vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 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 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 2025-07-31 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 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 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 2025-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am writing to clarify a matter regarding my account with Bank of America. On XX/XX/year>, I paid the outstanding debt of {$1000.00} associated with the account in question. To my knowledge, the account was closed following that payment. 

However, I have recently become aware that an additional balance of {$16.00} has been added to the account on my credit report after its closure. I want to emphasize that this is not a complaint, but rather a request to correct what appears to be an inaccurate report. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and complete information reflected on my credit report. The addition of a new balance to a closed and paid account is inaccurate and should be corrected to comply with the FCRAs provisions.

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 2025-07-31 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:
I am submitting a follow up complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 2025-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened an American Express high yield savings account in XX/XX/XXXX, in XXXX I went to log-in online and couldn't get into my account. 

I called them on XX/XX/XXXX, they told me that I was locked out of my account and the only way I could get back in was to go via their online notary. This felt like a big hurdle to jump through, and came just before I was traveling for work, so I never got round to going through the notary process until late XXXX - because I never thought there'd be such an issue. 

When I was approved by the notary, I called them again on the XX/XX/XXXX This is when they first told me my account had been closed for 'business reasons '. In this conversation, the woman initially agreed to wire me my fund back ( half my life savings ) and then changed during the call to say they could only post it - but not tracked. She said it would take XX/XX/XXXX business days to arrive by post. That week I was flying to the XXXX XXXX for work, when I arrived home - nothing was in the post. 

I called again to ask for an update on XX/XX/XXXX, they said the XXXX business days hadn't passed but if it doesn't arrive then I MUST fax a form back to to them to cancel the cheque to prevent anybody else from claiming it - a stop payment indemnity form. 

I called again on XX/XX/XXXX and they told me the cheque must be lost and to complete the stop payment indemnity for my protection. I couldn't do this right away since I was going on vacation to visit family in the XXXX, when I got back I faxed the form on XX/XX/XXXX. 

I called again on XX/XX/XXXX and they confirmed they received the forms, and told me they're resending a cheque and it will take XX/XX/XXXX business days. I called after this time had passed, on XX/XX/XXXX. They then told me the cheque hadn't even been sent out, so I'd clearly been lied to, and told me they'd send it out today and it would take XX/XX/XXXX business days - a new timeframe. 

When they told me this, I asked them how was it even possible to believe them after all of this time. I then asked that the cheque be sent with tracking but they refused and said they couldn't do that. 

It's been nearly XXXX  months now and I've been lied to, told contradictory things and still don't have my money back - losing significantly on any potential interest earned during this time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-31 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:
I am requesting immediate deletion of the disputed item and escalation to an TransUnion compliance supervisor. If this matter is not resolved promptly, I will be petitioning the Office of the Inspector General ( OIG ) and seek congressional assistance. 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 non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I disputed a charge on my CareCredit account two times, and both disputes were denied without proper justification. The charge was from XX/XX/2025 for {$11000.00}. I was completely misled about the procedure costs and never received service. 
I contacted CareCredit ( Synchrony Bank ) and explained this, but they failed to provide a valid explanation or evidence from the provider XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX. I asked for documentation supporting the charge, but it was not provided.

This situation has caused my credit to decline and damaged my trust in the medical field and dispute process. I am requesting that the charge be removed from my account and a full investigation be completed, including provider records and communication.

I am attaching prior dispute records all information that I have, and i request CFPB to investigate and assist in resolving this issue.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Unverifiable Bankruptcy Reporting ( Case No. XXXX ) Companies : Experian, Equifax, and TransUnion XXXX XXXX XXXX XXXX XXXX : I am filing this formal complaint against Experian, Equifax, and TransUnion for continued reporting of Bankruptcy Case No. XXXX in violation of federal consumer protection laws. Despite multiple disputes and requests for reinvestigation, these credit reporting agencies continue to report this public record inaccurately and without proper verification. 



Details of the Issue : The bankruptcy listed as XXXX XXXX. XXXX is currently being reported on my credit file by all three major credit bureaus.

I have disputed this item multiple times, requesting verification as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ).

I requested that each agency verify the source of the information and provide proof that the reporting is accurate and complete. 

The responses I received failed to include any documentation from the original source ( i.e., the bankruptcy court ) confirming the accuracy or legality of the reporting. 

Upon contacting the United States Bankruptcy Court Eastern District of Louisiana, I was informed that they do not furnish or verify consumer information to credit bureaus, as confirmed in past CFPB and court findings.

Therefore, Experian, Equifax, and TransUnion are unable to independently verify this bankruptcy, and yet they continue to report it as a valid public record.

Violation of Federal Law : Under the Fair Credit Reporting Act ( FCRA ), the CRAs are required to : Maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) Conduct a reasonable reinvestigation if a consumer disputes information under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Delete unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) if the disputed data can not be confirmed The continued reporting of this unverifiable public record constitutes : Willful or negligent noncompliance with the FCRA Reputational and financial harm due to a derogatory and inaccurate public record A direct violation of my consumer rights under federal law Resolution Sought : I am requesting that the CFPB investigate this matter and require the following : 1. Immediate deletion of Bankruptcy Case XXXX. XXXX from my Experian, Equifax, and TransUnion credit files.

2. A formal written confirmation of removal from each credit bureau.

3. An internal review by each bureau on their procedures for verifying public records when the original furnisher does not report or verify such information.

I have retained copies of all prior disputes, credit reports, and the courts response to support this complaint and can provide them upon request. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I am a Georgia resident reporting violations by XXXX  and several furnishers who continue to report and verify inaccurate, derogatory information on my credit fileeven though my secondary consumer reporting agencies are frozen. 

I have disputed these accounts XXXX or more times, and yet they continue to show verified without correction. This is legally impossible, as I have active security freezes on : XXXX XXXX XXXX SageStream ( merged with XXXX ) XXXX XXXX XXXX ( Experian-owned ) XXXX XXXX ( Advanced Resolution Services ) These agencies are used to verify identity, payment history, and account details. Without access to them, no company can legally or accurately verify my information. 

Affected accounts include : NetCredit ( {$9900.00} open and past due ) Affirm ( XXXX charged-off accounts : {$110.00} and {$47.00} ) XXXX XXXX ( XXXX open accounts ) I am not disputing the accounts themselves, but the late payment history being reported and verified is inaccurate. Since the secondary bureaus were frozen, XXXX XXXX could not have properly verified these late payments. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX off ) Self Financial/Lead Bank ( XXXX paid, closed accounts ) I am requesting a full investigation and removal of each item or derogatory element that can not be legally verified. These actions violate the FCRA, including : XXXX : No permissible purpose to access frozen files XXXX : Failure to properly investigate consumer disputes XXXX ( a ) : Reporting unverifiable and inaccurate data XXXX : Obsolete data concerns XXXX : Violation of the laws intent FACTA XXXX ( implied ) : No ability to verify during freeze 15 USC 1681n and 1681o : Civil liability for willful and negligent noncompliance This issue is also being reported to the Georgia Attorney General under the Fair Business Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NY

Complaint narrative:
Miss information on my credit report is inaccurate and unsupported

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 2025-07-31 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: NY

Complaint narrative:
Miss information on my credit report is inaccurate and unsupported

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 2025-07-31 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: PA

Complaint narrative:
I am filing this formal legal complaint to request officer-level review due to continued violations by the credit bureaus : TransUnion, Experian, and Equifax. Despite prior disputes, each bureau has failed to investigate and correct multiple items that are inaccurate, incomplete, and legally unverifiable, in violation of : Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, 1681s-2 ( b ), and 605 ( a ) ( 5 ) Uniform Commercial Code ( UCC ) 3-305, 3-501, and 9-210 Specific Issues in My Report : XXXX. XXXX XXXX Charge-Off Marked as profit/loss but debt was already satisfied through trust or insurance ( i.e., the company was compensated ). 
Reporting this as a charge-off is double-collection, misleading, and unlawful. 
Demand : Permanent deletion due to prior payment and misrepresentation. 

XXXX XXXX Charge-Off Same as above. Profit/loss status = already paid. 
Demand : Deletion under UCC 3-305. 

XXXX. XXXX XXXX ( XXXX XXXX XXXX  ) Late Payments Account is open and current. No late payments in over a year. 
I completed their hardship program, and have paid in full monthly since. 
Reporting of past delinquencies is outdated, punitive, and inaccurate. 
Demand : Remove all late marks per FCRA 1681e ( b ) and 605 ( a ) ( 5 ). 

XXXX. XXXX XXXX  XXXX Payments Also current and in good standing. 
Past late payment being reported is inaccurate this account was set on auto pay during the time they are reporting this. The account also had been paid every month Demand : Remove all past late marks. 

XXXX. XXXX XXXX XXXX Unknown Tradeline I never authorized, applied, or transacted with this company. 
Demand : Immediate deletion as this is unverifiable and unauthorized ( FCRA 1681b and 1681i ).

6. Unauthorized Inquiries ( Hard Pulls ) The following companies ran unauthorized hard inquiries without my consent : 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 XXXX XXXX XXXX None were approved by me in writing or electronically. These are clear violations of FCRA 1681b ( c ) permissible purpose rule. 
Demand : Permanent removal of these inquiries. 

Additional Notes : I was a confirmed victim of the Equifax data breach. 
These inaccurate entries are damaging my credit and ability to secure stable housing, financing, and insurance. 
The credit bureaus have not conducted proper investigations or provided documentation as required under FCRA 1681i ( a ) ( 5 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian goes here, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes the following : A collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX associated with the XXXX XXXX XXXX which is a personal loan account. 

These accounts have resulted in fraudulent collections on my consumer FICO credit report. I have attached a list of the alleged collection accounts and a copy of the consumer credit report maintained by you, which shows these fraudulent items. 

I do not recognize these accounts or collections as reported. The accounts or collections appearing on my credit report were not opened, made, or authorized by me. All of these items are the result of identity theft and fraud. 

I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that these items are the result of identity theft and fraud. 

I request immediate removal of these items as per my rights under the FCRA.

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