vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I mailed in my paperwork to the address XXXX XXXX. There has not been any changes to my credit report due to the circumstances. Please review the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I am disputing an unverified collection account being reported by Sunrise Credit Services , Inc. on my credit reports.

I sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) ), requesting documentation that proves this debt is valid and that Sunrise is authorized to collect it.

Sunrise failed to provide any of the following required documentation : A copy of the original signed contract or application showing I am responsible for this debt ; Proof of assignment or purchase from the original creditor ; and A detailed accounting or itemized statement explaining how the alleged balance of {$4100.00} was calculated. 

Despite failing to validate the debt, Sunrise Credit Services continues to report this account to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA, specifically : FCRA 611 ( a ) ( 1 ) ( A ) reporting unverifiable information ; FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverified data ; FCRA 623 ( b ) ( 1 ) ( AE ) failure to conduct a reasonable investigation and delete unverified information ; FDCPA 809 ( b ) continuing collection activity before providing validation ; and FDCPA 807 ( 8 ) communicating false credit information to credit bureaus. 

These violations have caused damage to my credit profile and have subjected me to unfair collection practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I am writing regarding my American Express Platinum Card ending in XXXX. I have been an American Express member since XXXX and have always maintained an excellent payment history, never missed a payment, and consistently paid well above the minimum amount due. 

Over two years ago, American Express placed my account on a one-year probationary period after a prior issue, with the understanding that if I maintained good payment behavior, my account would be restored to its previous no preset spending limit status. I met every requirement and continued using my card responsibly. 

Despite this, my credit limit remained capped at {$15000.00}. Then, at the end of XX/XX/XXXX, American Express reduced my limit again to {$6000.00} without any valid reason or prior notice. This decision was based on a single recent payment issue that occurred because I mistakenly used the wrong bank account a former business account from a company I sold earlier this year. That payment was immediately reversed, and I promptly repaid the balance in full using my correct account. 

Since that time, I have continued to make timely payments and have kept my account in excellent standing. However, American Express has refused to restore my prior limit or remove the probationary status, despite their prior assurances that I would return to normal standing once I demonstrated consistent payment performance. 

I pay a {$700.00} annual fee for this card, and it was sold to me as a premium product with no preset spending limit. I have a credit score over XXXX and strong income, and I have been a loyal customer for more than a decade. American Expresss treatment of this situation has been unfair, unresponsive, and inconsistent with their stated customer service standards. 

I am requesting that American Express review this matter, restore my prior account status and limit, and ensure that this issue does not negatively affect my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My personal information was exposed in a recent data breach ( screenshots attached ). After that, I discovered multiple tradelines and a hard inquiry on my credit file that do not relate to any transaction by me. 

I filed a police report ( attached ) and immediately mailed Equifax a 605B identity theft block packet with : ( 1 ) police report ; ( 2 ) proof of identity and address ; ( 3 ) list of specific items to block ; ( 4 ) breach evidence ; ( 5 ) highlighted report pages.

I also requested removal of old addresses/name variants and deletion of an unauthorized hard inquiry under FCRA 1681b / 1681i.

Items to block ( non-exhaustivesee attached highlighted report pages ) : * XXXX XXXX XXXX XXXX Charge-off about {$22000.00} ( limit ~ {$19000.00} ). 

* XXXX XXXX XXXX XXXX Charge-off about {$11000.00} ( limit ~ {$10000.00} ). 

* XXXX XXXX XXXX XXXX Charge-off about {$1100.00}. 

* XXXX XXXX XXXX XXXX Charge-off about {$6500.00}. 

* XXXX XXXX  XXXX Collection about {$1100.00} ( debt buyer ). 

* * XXXX XXXX XXXX Accts * XXXX, * XXXX, * XXXX, * XXXX, * XXXX ; ( Add any other negative items you included in your Equifax 605B packet. ) Identifiers to delete : all old/incorrect addresses and name variant XXXX XXXX XXXX XXXX only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. 

Unauthorized inquiry to delete : XXXX XXXX XXXX XXXX hard inquiry dated XX/XX/year>. 

XXXXXXXX XXXX XXXXXXXX : Under FCRA 605B, the CRA must block identified identity-theft information within 4 business days of receiving ( i ) proof of identity, ( ii ) an identity theft report, ( iii ) identification of the information, and ( iv ) my statement that it is not my transaction. Re-insertion requires certification and 5-day notice ( 1681i ( a ) ( 5 ) ( B ) ). For personal data/inquiry issues, 1681e ( b ) ( maximum possible accuracy ), 1681i ( reinvestigation ), and 1681b ( permissible purpose ) apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am filing this complaint against Experian for its refusal to properly investigate my formal credit dispute, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to Experian via XXXX XXXX Mail ( Tracking No. XXXX ). In this correspondence, I identified multiple inaccuracies and incorrect personal information on my credit report. To ensure full verification of my identity and address, I enclosed a copy of my government-issued photo ID, Social Security card , and a recent bank statement reflecting my current residence. According to XXXX records, Experian received the letter on XX/XX/year>. 
Despite providing complete and verifiable documentation, Experian responded on XX/XX/year> via email stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 
This response is entirely unacceptable and demonstrates willful noncompliance with the FCRA. The law clearly requires Experian to conduct a reasonable reinvestigation when a consumer disputes information on their file. My dispute met every statutory requirement for verification and authenticity, yet Experian arbitrarily refused to investigate. By disregarding a legitimate dispute and dismissing it under false pretenses, Experian effectively denied me my right to an accurate and fair credit report. 
Experians actionsor lack thereofconstitute a deliberate obstruction of the dispute process mandated by federal law. This failure not only violates the FCRA but also undermines consumer trust in the credit reporting system as a whole. 
To support my claim, I have included a copy of my dispute letter along with identity verification documents ( photo ID, Social Security card, and bank statement ), XXXX proof of delivery, and Experians response email dated XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The consumer reporting agency failed to properly reinvestigate and verify all information in my credit file as required by the Fair Credit Reporting Act ( FCRA ) 609 and 611. I submitted a written request for a full file reinvestigation, instructing the bureau to verify every item for accuracy and completeness. However, the bureau did not provide full verification or documentation from the furnishers as required by law. 

Under FCRA 609 [ 15 U.S.C. 1681g ], I have the right to obtain all information in my credit file, and under 611 [ 15 U.S.C. 1681i ], the bureau must reinvestigate disputed data and provide the method of verification, including the name, address, and phone number of each furnisher contacted. The bureaus failure to comply prevents me from confirming the accuracy of my consumer file and constitutes a violation of my federal rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
My interest rate is currently showing XXXX % as a result of a loan modification, however my interest rate should not have changed and was to be held at 2.04 % I'd like more information on where and why the additional increase by XXXX points on the loan and when this change was made. I'd also like a payoff as of XX/XX/year> total amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have requested this account to be removed!! and it remains on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Re : XXXXXXXX XXXX XXXX  Correct Account Type ; Remove Misleading Comment Report quotes ( XXXX ) : Account Type : Open Account Comments : XXXX XXXX  Date Opened : XX/XX/XXXX. 
Equifax : Pursuant to 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ), XXXX XXXX XXXX, and XXXX, perform an independent reinvestigation. Codes are not proof. Obtain running statements/ledger proving contract type and each months due date/receipt/posting. 
Inaccuracy : A XXXX  secured credit card is Revolving, not XXXX Account. XXXX XXXX  on a revolving card is misleading. 
All late months disputed : I dispute all late months youve ever coded ; provide ledger proof for each. 
Metro 2 : XXXX ( Account XXXX ) ; XXXX ( XXXX XXXX ) ; XXXX ( XXXX XXXX ) misuse ; XXXX must reflect revolving minimum methodology. 
Demand : Correct to Revolving and remove XXXX XXXX, or delete under 1681i ( a ) ( 5 ) ( A ) if you can not independently verify. Non-compliance XXXX complaints and suit under XXXX. 
Enclosures : ID ; proof of address ; highlighted XXXX  pages. 
XXXX ) XXXX XXXX  miscode as Open Account + impossible Monthly Payment ( {$2000.00} ) Re XXXX XXXX XXXX Correct Account Type & Scheduled Monthly Payment Report quotes ( XXXX ) : Account Type : Open Account Monthly Payment : {$2000.00} Balance : {$0.00} High Credit : {$2000.00} Date Opened : XX/XX/XXXX. 
Equifax : Under 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) ), XXXX XXXX XXXX, and XXXX, conduct an independent reinvestigation. Codes are not proof. 
Inaccuracies : Self credit builder should not be coded Open Account ; and a Monthly Payment equal to total High Credit is facially false. 
All late months disputed : I dispute every non-OK month ; send the contract amortization/payment schedule and running statements/ledger ( due date, receipt, posting ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have sent written communication 3 times requesting the debt be both verified and validated with proof of ownership, balance and charged and in every attempt, my requests have been ignored. 

Letters were mailed via XXXX on XX/XX/year>, XX/XX/year> and the most recent was sent via XXXX with tracking directly to credit bureaus. Tracking # 's are below : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I was using cash app and had my bank card connected I had a XXXXXXXX XXXX  XXXX access when they closed my account worried about the debt I may be in with the app since they usually take unauthorized transactions if I do have money in the account I immediately payed back what I owed which was the only thing they allowed me to access after that I tried adding money to my account it provided an account closing under investigation for suspicious activity but had been still trying to charge me on that same account and Ive had my account for a long time invested a lot of money into it via many transactions I often used it for food shopping and sending money to family and friends when I went to customer support there wasnt anyone to call they only had text automated messages and the live support was also very not an actual person it was also just text messages almost rehearsed every time they never answered directly but generally if you asked XXXX questions theyll reply back with the same thing and it doesnt feel as if youre talking to a person but to AI

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation