vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
Complainant : XXXX XXXX XXXX Account Number ( if applicable ) : XXXX Summary of Dispute I am filing a formal complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and the credit bureaus TransUnion and Experian for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

These companies are simultaneously reporting the same account under different names. This has resulted in : Inaccurate, duplicative reporting Reporting under an incorrect name ( " XXXX XXXX '' instead of " XXXX XXXX XXXX '' ) Failure to remove unverifiable or disputed information Ongoing damage to my credit score and reputation Despite multiple written disputes, the information has not been corrected or removed. 

Legal Basis for Dispute Under the FCRA : 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : CRAs must conduct a reasonable reinvestigation of disputed items. 

15 U.S.C. XXXX ( a ) ( XXXX ) : If the disputed data can not be verified, it must be corrected or deleted. 

15 U.S.C. XXXX ( b ) : CRAs must assure the maximum possible accuracy of credit report data. 

Supporting Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs must conduct an independent and reasonable investigation, not just rely on furnishers. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : CRAs must go beyond a cursory review and ensure accuracy. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to investigate constitutes an FCRA violation. 

Harm Suffered Due to these actions, I have experienced : Credit denials Higher interest rates Emotional distress Reputational damage I have also lost financial opportunities due to this inaccurate and duplicative reporting. 

Relief Requested I am requesting : Immediate deletion of the disputed and inaccurate items Verification of proper name usage ( " XXXX XXXX XXXX '' ) A complete, written explanation of any reinvestigation conducted Compensation of {$1000.00} per violation under FCRA XXXX and FDCPA XXXX Actual and punitive damages for willful noncompliance Related Complaints This issue has also been reported to : The Federal Trade Commission ( FTC ) The XXXX Attorney Generals Office

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 2025-06-30 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$650.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$460.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
XXXX, Equifax, Experian, and Transunion, violated the Fair Credit Reporting Act ( FCRA ), by refusing to provide to me the proof I made a {$5.00} payments on this account, payments that appear to be either incorrect or falsely reported to extend the reporting period beyond what is legally allowed. 
This practice violates the FCRA, specifically Section 605 ( c ), which prohibits re-aging of accounts or false updates that alter the date of first delinquency in order to prolong the reporting timeline. 

Send me the proof of these $ 5 monthly payment or delete that account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
XXXX, Equifax, Experian, and Transunion, violated the Fair Credit Reporting Act ( FCRA ), by refusing to provide to me the proof I made a {$5.00} payments on this account, payments that appear to be either incorrect or falsely reported to extend the reporting period beyond what is legally allowed. 
This practice violates the FCRA, specifically Section 605 ( c ), which prohibits re-aging of accounts or false updates that alter the date of first delinquency in order to prolong the reporting timeline. 

Send me the proof of these $ 5 monthly payment or delete that account.

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 2025-06-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Account Number XXXX Balance : {$5500.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$11000.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Account number XXXX Balance {$990.00} Date opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Balance {$600.00} Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$190.00} Date opened XX/XX/XXXX inquiries 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 2025-06-30 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: CA

Complaint narrative:
I have been a card member with American Express since XXXX. In the XXXX years I have been a member, I've never had a late payment. My account has always been up to date and active, and to this day is up to date. I also have a personal loan through amex which is also up to date and has never been late to pay. I was recently laid off from my job. Accordingly, I've been using my amex everyday card more often than I might have in the past. My credit limit was {$50000.00} and my current balance is around $ XXXX. Last week Amex informed me that they were changing my credit limit from {$50000.00} to {$6500.00}. When I contacted them to discuss this, and explained that I have never missed or been late on payments, they informed me that they reviewed my account and had flagged it. I could not get any more info from them. Their decision to do this will personally cost me as my credit utilization ratio has now severely diminished. That ratio is one of the key drivers to personal credit report. To summarize, my XXXX membership, and XXXX history of excellent credit with Amex was rewarded with a penalty that has added significant tension to my credit rating and will cost me more money in the form of higher interest rates for the foreseeable future. I am experiencing a temporary financial hardship, and Amex has taken actions that will make it more difficult for me to get back on track. As of this writing, my accounts with Amex are still 100 % up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NJ

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 non-monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I submitted a complete identity theft report and signed affidavit to Experian, along with all required identifying documentation and a copy of the data breach notice from the XXXX XXXX XXXXXXXX XXXX, dated XX/XX/XXXX, XXXXthe breach which led to the compromise of my personal data and is the basis for my identity theft claim. 

I included details for each account on my credit report that did not belong to me, as required by FCRA Section 605B. The complete package was sent via certified mail and delivered on XX/XX/XXXX, XXXX have the certified mail tracking number and the green return receipt card as proof of delivery. 

As of today, XX/XX/year>, I have not received any confirmation, response, or resolution from Experian. It has been nearly XXXX months without action or communication, despite the FCRA 's 4-business-day requirement to block fraudulent information once proper documentation is received. 

This failure to comply with the Fair Credit Reporting Act ( FCRA 605B ) has caused significant harm to me, including the continued presence of fraudulent accounts on my credit report, the denial of legitimate credit applications, and emotional distress resulting from this ongoing issue. 

I respectfully request that the CFPB investigate this matter and ensure that Experian complies with their legal obligations to block the fraudulent information and provide confirmation of action taken.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I already have a complaint with Mercedes Benz about with them not giving me my title and lies about my account but now they are asking my for a monthly payment of XXXX dollars to take effect XX/XX/year> but I already paid the loan off I dont want my credit to be affected or late fees its causing me emotional stress dealing with them they just pass me to different agents The file I send shows that Ive over paid on my amount financed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I purchased my XXXX XXXX XXXX in XXXX of XXXX via a private sale. I got a title loan on my car in XXXX of XXXX and they then held my lien. On XX/XX/XXXX a title or a XXXX was created in the state of California under the previous owners name which is XXXX XXXX date of birth is XX/XX/XXXX. I still had a valid lien on my car through Onemain financial that was released in XXXX of XXXX to the state of Nevada. My title essentially vanished and Nevada nor California have it. The previous owner used my car as collateral for a loan ( at least that is what California XXXX has said ) through XXXX on XX/XX/XXXX. However, that institution was already shut down. XXXX XXXX absorbed their debts and according to XXXX XXXX they have no record of a loan or lien on my vehicle under anyones name. I had a clean Nevada title in my hands when I purchased the car. It is now inoperable and has been since the summer of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My XXXX bank account was hacked in early XXXX resulting in unauthorized transfers of over {$2000.00} to a Coinbase account that I did not open. These funds were then stolen by the fraudsters. I reported the fraud immediately to both XXXX and Coinbase, but to date, the matter remains unresolved. I am seeking assistance from the XXXX XXXX XXXX XXXX XXXX to help recover my funds and hold the responsible parties accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
My federal student loans were XXXX XX/XX/XXXX due to meeting the XXXX XXXX XXXX loan forgiveness program. I had overpaid by approximately {$5000.00}, and Mohela had XXXX business days to refund me. However, it is XX/XX/XXXX and I have yet to get a refund. I call almost monthly and sometimes more than that and I get the same answer its stuck in our system and its still open. 

If I had missed a student loan payment, they would be harassing me nonstop the day after I missed my payment, but when they are months behind paying ME back, then they are ok with it. I need this company to give back the money I overpaid and I need them to move it along.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
In XX/XX/year>, I received {$80.00} on XXXX  from a buyer for a product I was selling. He later requested a refund, and I returned the full {$80.00} back to him on the same day through XXXX. Months later, he contacted his bank and falsely claimed that he never received the refund. Despite the fact that I submitted clear proof to XXXXincluding a screenshot showing both the payment and refundXXXX still removed the {$80.00} from my account. 

XXXX  acknowledged the refund existed during support chat and email, but ultimately told me they couldnt reverse the chargeback because it was initiated by the buyers bank. This left me without the original payment and the refunded money, essentially losing {$80.00} to a fraudulent claim. I cooperated fully with the dispute process and submitted evidence before their deadlines. 

This feels like an unfair and unsafe policy for sellers, especially when clear evidence exists. Im requesting that XXXX  and/or the CFPB step in to resolve this and return my {$80.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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