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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 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: 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: IL

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America account since XXXX, in early XXXX there was fraud/unauthorized charges on my account which I ended up having to dispute. Then weeks later I received a correspondence in the mail stating that Bank of America is ending their baking relationship with me, but none of this was my fault I was a victim of Fraud.

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 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

INQUIRIES : 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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERISAVE MORTGAGE CORPORATION
State: MI

Complaint narrative:
The attachment for my very las paycheck is attached below. Company sent my paycheck to a closed XX/XX/XXXX account. XX/XX/XXXX XXXX told me to tell the company amerisave mortgage to cancel the deposit and issue me a check and they never did and nor did XX/XX/XXXXXXXX XXXX. Im owed {$1100.00} that I have yet to receive sine XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked XXXX am requesting them to be removed because they are inaccurate and not mine. XXXX XXXX ( Bank ) XXXX, XXXX XXXX Finance ) 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked XXXX am requesting them to be removed because they are inaccurate and not mine. XXXX XXXX ( Bank ) XXXX, XXXX XXXX Finance ) XXXX

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: PA

Complaint narrative:
Inaccurate accounts are reporting to my credit file without my knowledge

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: PA

Complaint narrative:
Inaccurate accounts are reporting to my credit file without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Good afternoon, please be advised that I have included what the company sent to me which is false information. I pulled my credit report with all 3 credit Bureau and no such debt/account is found. I've been dealing with this same Midland Company since last year by asking them proof of this debt/account to no avail. They are sending me information on a debt that they had with XXXX XXXX for which was paid-off and never for this specific debt in question. On XX/XX/year>, I asked them for the following information : Debt Validation letter, Chain of Custody with the original contract, the original signature that I agreed on the contract and the bill of sale. Please assist me with this Urgent Matter. These people are causing me to have a mental beak-down.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have consistently made timely payments and have never been late. I believe this entry may be an error, and I kindly request that you investigate this matter.

The accounts are XXXX XXXX and DPT EDXXXX Maintaining a positive credit history is important to me, and I would appreciate your assistance in correcting this record. 

Thank you for your attention to this issue. I look forward to your prompt 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have consistently made timely payments and have never been late. I believe this entry may be an error, and I kindly request that you investigate this matter.

The accounts are XXXX XXXX  and DPT ED/XXXX  Maintaining a positive credit history is important to me, and I would appreciate your assistance in correcting this record.

Thank you for your attention to this issue. I look forward to your prompt 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: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
This request is in reference to a recent complaint with the CFPB # : XXXX. 
Attached is the company 's response which I am disputing below : Dear American Express and Relevant Regulatory Review, The response from Amex claims I presented a XXXX  card at check-in, and therefore was not eligible for the XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX guaranteed late checkout. This assertion is incorrect and misapplies the programs terms. 

My stay was booked and fully prepaid through the XXXX XXXX XXXX XXXX portal using my eligible XXXX XXXX. At check-in, I presented the same XXXX XXXX and requested the XXXX XXXX  checkout benefit. The only time a XXXX card was used was to pay for incidentals, beer, food, and snacks. 

The XXXX  Terms and Conditions do not require incidental or non-room charges to be billed to an American Express card for the XXXX XXXX  checkout guarantee to apply. The terms only stipulate that the booking and payment for the stay itself must be made with the eligible Amex cardwhich I fulfilled in full. 

Denying the XXXX XXXX  guaranteed checkout on the basis of unrelated XXXX spend ( for non-lodging incidentals ) is not only inconsistent with XXXX  stated criteria but potentially discriminatory in how Amex conditions benefits on unrelated purchases. 

To put it in an example, if I booked a flight through Amex XXXX with an eligible card and was promised free checked baggage, Amex could not later deny that benefit because I purchased a beverage on the plane with a XXXX card. 

Summary of Factual Points : 1. The hotel reservation was booked and paid in advance through the XXXX portal with my eligible XXXX XXXX and the same card was physically presented to the staff. 
2. I met all published XXXX  criteria for the guaranteed XXXX XXXX  checkout. 
3. No XXXX  term or condition links incidental spend to benefit eligibility. 
4. The XXXX card was used only for incidentals after arrival. 

I am therefore requesting : A formal written acknowledgment that American Express misapplied its own XXXX XXXX XXXX XXXX Terms and Conditions ; and A written apology recognizing this error and its impact on my experience as a cardholder. 

If no satisfactory resolution is provided, I will escalate this matter to relevant oversight entities, including the XXXX XXXX XXXX and the State Attorney Generals Consumer Protection Division. Furthermore, I may be compelled to consult legal counsel regarding the potential implications of American Express having collected my annual membership fee while denying a guaranteed benefit on grounds that appear to discriminate based on my use of other card networks for unrelated purchases.

I respectfully request a substantive written response within 30 days.

Sincerely, XXXX XXXX

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously filed a CFPB complaint regarding XXXX XXXX account # XXXX appearing on my Experian credit report. XXXX  and XXXX  have already deleted this same tradeline after investigation, but Experian continues to report it as verified. I requested the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), asking Experian to provide the exact furnisher response, ACDV details, and documents used to verify. Experian failed to provide any specific data or documentsonly a boilerplate verified as accurate notice. Attached are the following supporting documents : 1. XXXX XXXX letter ( XXXX XXXX, XXXX  ) stating the account is closed and they no longer report updates. 2.

Retail installment contract confirming original terms and parties. 3. CFPB complaint response showing Experian marked it closed with explanation. 4. Evidence that XXXX  and XXXX  removed the tradeline. Experians refusal to provide the required Method of Verification violates FCRA 611 ( a ) ( 7 ). I request CFPBs assistance to compel Experian to provide full documentation of its verification or delete the tradeline as unverifiable.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am writing about companies that are now charging a fee of {$1.00} a month to receive a paper statement in the mail, instead of an email statement. I would like to keep getting paper statements, but do not like having to pay for a paper statement! It feels like they are charging me for the privilege of just having their card. This is in addition to any other fees or interest they charge, and even if I have no balance that month! This seems excessive! 

It just came to my attention with my XXXX XXXX  card. Somehow they changed me over to paperless statements, and when I called to inquire I was told I have to pay a monthly statement in the mail. I called today ( XX/XX/year> ) and was told what I already knew. The only way to avoid the fee is to get the statement by email.

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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: TX

Complaint narrative:
I hereby contest items in my profile that correspond to unauthorized accounts. Kindly undertake a comprehensive examination and delete them. Enclosures are provided

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am writing to dispute several items on my credit report that I believe are inaccurate or unauthorized.

XXXX XXXX There is an inquiry dated XX/XX/year> for a loan in the amount of {$25000.00}. This loan was paid in full and should have already been removed from my credit report. I am requesting that this inquiry be corrected and removed immediately. 

Additional Unauthorized Credit Inquiries The following credit inquiries were not authorized by me and should be removed from my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I request that all of these inquiries be investigated and removed promptly. These inquiries are negatively affecting my credit report, and I did not provide authorization for these companies to access my credit.

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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Multiple inaccurate accounts are reporting to my credit file

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation