vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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:
I am submitting this formally dispute several inaccurately reported accounts that are negatively impacting my credit profile. The information below is not consistent with other credit bureaus reporting, and some entries appear incomplete or inaccurate. I am requesting a full reinvestigation of each tradeline listed in accordance with the Fair Credit Reporting Act ( FCRA 611, 623, and 602 ) .Late open : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$24.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX not reported on other bureaus XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX - included in regular XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7300.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXX Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXX Opened : XX/XX/XXXX Date of Last Activity : Date Reported : XX/XX/XXXX not reported late on other bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
I am submtting this formally dispute several inaccurate and obsolete items being reported on my credit file. The information listed below does not accurately represent my current financial history or status and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 605 ( a ) ( Obsolete Information ), 623 ( a ) ( 5 ) ( Obligation to Report Accurate DOFD ), and 604 ( a ) ( 3 ) ( Permissible Purpose ). I am requesting that you conduct a full reinvestigation of these accounts and remove or correct all items found to be reported in error. Below are the details and my explanations for each account in question. 
CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
I am submtting this formally dispute several inaccurate and obsolete items being reported on my credit file. The information listed below does not accurately represent my current financial history or status and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 605 ( a ) ( Obsolete Information ), 623 ( a ) ( 5 ) ( Obligation to Report Accurate DOFD ), and 604 ( a ) ( 3 ) ( Permissible Purpose ). I am requesting that you conduct a full reinvestigation of these accounts and remove or correct all items found to be reported in error. Below are the details and my explanations for each account in question. 
CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Owed : {$2700.00} INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
.I am sending pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c2, to formally request the immediate blocking and removal of all information on my credit report that resulted from identity theft.I have been a victim of identity theft, and I am enclosing the following documentation in support of my request : XXXX XXXX XXXX * * Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$33000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-27 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: MI

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

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 2025-10-27 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:
Due to a period of XXXX, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I tried to dispute the unauthorized transaction while vacationing on a cruise in XXXXXXXX XXXX XXXX  i was overcharged XXXX XXXX at a stop along the way, XXXX XXXX i believe regardless of region i contacted cash app as soon as I realized about the transaction and after the fact on numerous occasions, feeling defeated i accepted being ripped off, I find out they have a class action lawsuit for this exact situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX at approximately XXXX miles with a XXXX day drivetrain warranty from XXXX. While still under XXXX In XX/XX/XXXX I started experiencing very noticable engine trouble. I took it in for service and the dealership determined nothing was wrong. I returned while still under XXXX and the dealership sent my vehicle to a transmission shop who held my vehicle for XXXX  days. I stated that it wasn't the transmission. The engine was misfiring. At this time I was entering the end of my warranty period which was XX/XX/XXXX. The transmission shop Stated they replaced the XXXX body in the transmission which didn't fix the problem. I returned the vehicle and they serviced the transmission again. That did not fix the problem. This took me into the end of my warranty date in XX/XX/XXXX. I called the dealership and they refused to service my vehicle because the warranty was then expired. I feel that they knew what the problem was which was far more expensive than what the transmission shop performed. XXXX to XXXX Escalades all experience the XXXX active fuel management problem which leads to catastrophic engine failure. This was the problem in the beginning when I took the vehicle to the dealership the first time. The dealership deliberately misled me because it would be a very expensive fix while under warranty. They deliberately and knowingly sold me a vehicle with a major engine problem. They deliberately and knowingly avoided the issue into the end of my warranty date and refused to service my vehicle. XX/XX/XXXX I experienced catastrophic engine failure based on the XXXX active fuel management. As I stated the dealership was well aware that the XXXX active fuel management was failing at the time of purchase. General motors is also aware that the XXXX active fuel management system causes catastrophic engine failure in a high percentage of their vehicles that have XXXX L engines. They seem to only acknowledge the XXXX to XXXX vehicles which all have identical XXXX active fuel management systems. Since XX/XX/XXXX my vehicle has been inoperable and I still owe to this date approximately {$23000.00}. The purchase amount of this vehicle is approximately {$34000.00}. I feel the dealership should fix or replace my vehicle which they have refused to in the past. If I'm correct in the state of Pennsylvania it is illegal for a car dealership to knowingly and deliberately sell a vehicle with a known mechanical problem that is unsafe XXXX XXXX and can lead to a catastrophe, loss of life and or serious bodily injury, due to loss of power which falls under The XXXX XXXX XXXX. Thank you please address this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/year>, I received a sudden phone call notifying me that my American Express credit card account had been closed, and my American Express checking account was also terminated at the same time. 

I immediately called American Express customer service at XXXX for clarification. The representative initially refused to explain the reason, saying that I would receive a letter. After I insisted multiple times, they said the closure was because the linked bank account failed to process payments and was frozen. 

This explanation is completely false. The linked account they referred to was my XXXXXXXX XXXX checking account, which was fully active, had sufficient funds, and was capable of transfers. Moreover, American Express never even attempted to initiate a payment withdrawal before claiming that the payment could not be processed. Making such a claim without any payment attempt is misleading and fraudulent. 

As soon as I was told of the alleged payment issue, I immediately updated my payment method to another valid bank account. However, American Express still closed my account using the same false reason, without conducting any investigation or verification, and without giving me any prior notice. 

The timing is also highly suspicious. The closure occurred exactly six months after account openingright when I had completed {$6000.00} in spending to qualify for the welcome bonus. As a result, I was unfairly denied the bonus I had rightfully earned. 

In addition, my American Express checking account was closed at the same time without justification, causing further inconvenience and loss of access to my funds. I strongly believe that American Express intentionally closed my accounts to avoid paying the welcome bonus while keeping my annual fee, which constitutes fraudulent and deceptive business conduct.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-27 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: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
" I am sending this letter to formally dispute and request the immediate blocking and permanent deletion of an inaccurate and fraudulent account from my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). This correspondence serves as my formal request under the FCRA to block and remove any information that has been identified as inaccurate or resulting from identity theft.

Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies are required to block and delete such information within XXXX ( XXXX ) business days of receiving a valid request, along with appropriate identification and documentation. 
XXXX XXXX XXXX {$6700.00}

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 2025-10-27 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: MD

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-10-27 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i do not recognize this this hard inquiry and i wantbthis removed from my account immediately I am writing to dispute an unauthorized credit inquiry that appears on my credit report from Capital One, dated XX/XX/year>. 

I did not authorize this inquiry, nor did I apply for any credit, loan, or financial product with Capital One at that time. This inquiry was made without my knowledge or consent and may be connected to potential identity theft. 

I am requesting that this inquiry be immediately removed from my credit report and that Capital One provide documentation proving that I granted authorization for this inquiry. If such documentation can not be provided, the inquiry must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please investigate this matter promptly and confirm in writing that the unauthorized inquiry has been removed from all of my credit reports ( XXXX XXXX and XXXX  ). 

Thank you for your attention and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
.I am sending pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c2, to formally request the immediate blocking and removal of all information on my credit report that resulted from identity theft.I have been a victim of identity theft, and I am enclosing the following documentation in support of my request : XXXX XXXX XXXX * * Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$33000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-27 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:
.I am sending pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c2, to formally request the immediate blocking and removal of all information on my credit report that resulted from identity theft.I have been a victim of identity theft, and I am enclosing the following documentation in support of my request : XXXX XXXX XXXX * * Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$33000.00} XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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