vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-06-20 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: GA

Complaint narrative:
In the year XXXX i was notified of my information being leaked in a data breach. I was told that i was eligible for repair services. Fast forward XXXX i was taking careful examination of my credit report because i was looking to get a auto loan. Come to find out there's XXXX credit cards that are being reported to my XXXX XXXX and i have no knowledge on how these accounts were opened. The first account a " XXXX '' account opened XX/XX/XXXX fraudulent charges of {$50.00}. " XXXX XXXX XXXX XXXX '' account opened XXXX, XXXX XXXX fraudulent charges of {$11000.00}. The XXXX and final account " XXXX XXXX XXXX '' opened XX/XX/XXXX fraudulent charges : {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
In the year XXXX i was notified of my information being leaked in a data breach. I was told that i was eligible for repair services. Fast forward XXXX i was taking careful examination of my credit report because i was looking to get a auto loan. Come to find out there's XXXX credit cards that are being reported to my XXXX XXXX and i have no knowledge on how these accounts were opened. The first account a " XXXX '' account opened XX/XX/XXXX fraudulent charges of {$50.00}. " XXXX XXXX XXXX XXXX '' account opened XXXX, XXXX XXXX fraudulent charges of {$11000.00}. The XXXX and final account " XXXX XXXX XXXX '' opened XX/XX/XXXX fraudulent charges : {$11000.00}.

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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
To whom it may concern, I am filing this complaint due to a series of billing and communication issues with XXXX that have now resulted in a collection being reported on my credit report without proper notification. 

From XXXX, I was on an affordable plan ( ~ $ XXXXmonth ), assisted by the governments XXXX program . That program ended around XX/XX/XXXX. I managed payments until XX/XX/XXXX, when my grandson received a XXXX XXXX. Unaware that it would trigger extra data charges ( {$10.00} per XXXX, capped at $ XXXXmonth ), my bill spiked unexpectedly. 

In XXXX XXXX, I called XXXX believing they had changed my plan again ( which they had done in the past without notice ). A representative said I could come to the office and sign up for an {$89.00} plan with a modem to get unlimited data, but I couldnt afford it, so I continued making partial payments to maintain service. 

In XX/XX/XXXX, I physically visited the XXXX office to request a suspension or cancellation of my service, but was told their system was down and they would shut it off once operational. I assumed it was handled. 

I received a final bill around XXXX XXXX for ~ {$390.00} and believed that was the closing amount. However, in XX/XX/XXXX, I was notified the service had been shut offagainand the new balance was over {$710.00}. By XX/XX/XXXX, I saw a collection account for the full {$710.00} on my credit report from Sunrise Credit Services Inc., though I was never informed by XXXX XXXX or the collection agency beforehand. That debt has since been disputed and removed with help, but the way this was handled was unfair and damaging. 

I visited an XXXX office again and was told they couldnt access the account due to changes in account numbers, and that no payment could be made. However, I would still like to resolve the legitimate portion of my debt, which I believe is the ~ {$390.00} that reflects actual services used. 

I also want to ensure I am not penalized for the unfair billing or mishandled cancellation request. Additionally, I request that all future communication from XXXX regarding this matter be in writing only via email or U.S. Mail , as I do not want or consent to phone contact.

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 2025-06-20 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX/XXXX/2023 TransUnion XXXX XXXX XX/XX/year>2023 TransUnion XXXX XXXX XX/XX/year>2023 TransUnio

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
In XXXXXXXX XXXX I paid a {$320.00} annual fee for my American Express credit card ( ending with XXXX ). Within approximately one month of paying this annual fee, American Express cancelled my account without providing adequate explanation for the closure.

I immediately contacted American Express customer service to request a refund of the annual fee since my account was closed so shortly after I had paid it. The customer service representative agreed to process my refund request, and I subsequently received a refund check for the {$320.00} annual fee.

However, after receiving the refund check, a new charge appeared on my account labeled " REMOVAL OF CREDIT BALANCE. '' American Express is holding me responsible for this charge, but when I contacted customer service, they could not provide a clear explanation of what this charge represents or why it was applied to my account.

The sequence of events creates confusion : I paid an annual fee, my account was quickly cancelled, I received a refund for that fee, but then a mysterious charge appeared that seems related to the refund process. The charge description " REMOVAL OF CREDIT BALANCE '' is vague and uninformative. I have received no written explanation or prior notification about this charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
I have recently been made aware of unauthorized accounts appearing in my credit report. These accounts are not mine, and I never initiated, applied for, or consented to them. Their presence is damaging and inaccurate. In compliance with 15 U.S. Code 1681g, I am formally requesting that these accounts be deleted from my credit file within 15 days. Attached are documents that support my identity and validate my claim.

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 2025-06-20 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance {$290.00} XXXX XXXX XXXX Balance {$2100.00} XXXXXXXX XXXX XXXX Balance {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX XXXX * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian

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 2025-06-20 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: TX

Complaint narrative:
I am writing to file a formal complaint and request immediate assistance under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate and unverifiable information being reported on my credit report. Despite prior disputes submitted directly to the credit bureaus ( Experian, TransUnion, and Equifax ), I have not received a meaningful resolution or a proper investigation as required by law.

Under 15 U.S.C. 1681i, credit reporting agencies are legally obligated to conduct a reasonable investigation upon receiving notice of a dispute. However, they have failed to : Remove or correct the inaccurate and/or unverifiable accounts. 

Provide adequate documentation proving the validity of the reported information. 

Respond in a timely and complete manner regarding the outcome of the investigation. 



Additionally, under 15 U.S.C. 1681g, I have a right to receive all information in my file, including the sources of the disputed data. To date, I have not been provided with any such evidence. 



These continued violations harm my creditworthiness and financial opportunities, and they are in direct contradiction to the rights afforded to me under federal law. I am now requesting that the Consumer Financial Protection Bureau intervene to ensure that : A full and lawful reinvestigation is conducted ; All unverifiable or inaccurate information is permanently removed ; Documentation regarding the source and investigation results are provided to me ; Enforcement action is considered against any non-compliant credit reporting agency. 



Attached are copies of prior dispute letters, proof of identity, and supporting documentation. 



Please take immediate action to ensure my rights under the FCRA are upheld. I expect a full investigation into this matter and a written resolution within the timeline specified by federal law. 



Thank you for your attention to this matter.

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 2025-06-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On multiple occasions throughout the timeframe of XX/XX/XXXX until the present date here in the XXXX year of XXXX I have sent multiple disputes regarding errors on my credit to this credit reporting bureau. I feel that I am being intentionally targeted and prevented from being able to Resolve any issues in regard to those improper reportings. It has gotten so bad that I have had to contact an attorney and have the attorney file disputes for which the credit bureau is still intentionally reporting the information incorrectly. Case in point would be involving student loans that are on forbearance for the purpose of being forgiven via my XXXX. Instead of the credit bureau, removing the late payments as they were asked to do, they added inaccurate extra late payments onto the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Someone committing identity fraud tried to open a capital one card on XX/XX/year>. Capital one did a hard credit inquiry even though they didnt have proof of identity and it is still on my credit report as a hard inquiry when it wasnt even me. 
I filed multiple complaints and to you as well yet I am the only suffering because I have incorrect nonsense identity fraud hard inquiry on MY CREDIT REPORT! I requested information from capital one and they have failed to send it to me or give my any type of correction the screwing up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I request that you immediately investigate these items, deleted all fraudulent information from my items and credit reports, and cease all collection activity related to these charges. Please send me written confirmation of the removal Thank you for your prompt attention and cooperation in resolving this matter. 
XXXX XXXXXXXX Balance {$3200.00} XXXX XXXX  Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$85.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXX XXXXXXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance {$120.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance {$84.00XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX {$73.00XXXX XXXX XXXX XXXX XXXX {$84.00} XXXX XXXXXXXX XXXX XXXX {$69.00} XXXX XXXX Balance {$79.00} XXXX XXXXXXXX XXXX Balance {$83.00} XXXXXXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$3600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I request that you immediately investigate these items, deleted all fraudulent information from my items and credit reports, and cease all collection activity related to these charges. Please send me written confirmation of the removal Thank you for your prompt attention and cooperation in resolving this matter. 
XXXX XXXXXXXX Balance {$3200.00} XXXX XXXX  Balance {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$85.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$150.00} XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1200.00} XXXX XXXX Balance {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance {$2400.00} XXXX XXXX XXXXXXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance {$120.00} XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance {$84.00XXXX XXXX XXXX XXXX XXXX {$61.00} XXXX XXXX XXXX XXXX {$73.00XXXX XXXX XXXX XXXX XXXX {$84.00} XXXX XXXXXXXX XXXX XXXX {$69.00} XXXX XXXX Balance {$79.00} XXXX XXXXXXXX XXXX Balance {$83.00} XXXXXXXX XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX * * * Balance Owed : {$3200.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX XXXX Balance {$3600.00}

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 2025-06-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I some some inaccurate negative items on my credit report. I contacted the furnished, received no verifiable response and Im requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). Please remove these unverifiable items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
They run my credit report without my knowledge. So need this financial company off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting a complaint against XXXX XXXX XXXX XXXX  for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX  has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NC

Complaint narrative:
I some some inaccurate negative items on my credit report. I contacted the furnished, received no verifiable response and Im requesting a full reinvestigation under the Fair Credit Reporting Act ( FCRA ). Please remove these unverifiable items.

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