vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. XXXX  is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of these accounts be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$940.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$460.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$540.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$650.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES 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 2025-07-11 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:
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 iden
tity 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00}

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 2025-07-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NJ

Complaint narrative:
Credit card company closed my account reporting that I was deceased. When I went to the Social security office of my town, they have no record of my being deceased and reported my social security number is in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Names : Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXXXXXX  Incorrect Address - XXXX XXXXXXXX XXXX XXXXXXXX, SC, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX EMPLOYER XXXX XXXX XXXX Incorrect Addresses : Incorrect Name - XXXX XXXX Incorrect DOB - XX/XX/XXXXXXXX  Incorrect Address - XXXX XXXXXXXX XXXX XXXXXXXX, SC, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX EMPLOYER XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TX

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXXXXXX Re : Unauthorized Credit Inquiries Failure to Investigate/Correct ( FCRA 611 ) To Whom It May Concern : I am writing to dispute unauthorized hard credit inquiries on my TransUnion credit report XXXX These inquiries, which I did not authorize and do not recognize, appeared without my consent. I first disputed them with TransUnion on XXXX, and despite repeated written correspondence, they have not been removed nor verified. 

Under Section611and 15 U.S.C. 1681s-2a of the Fair Credit Reporting Act ( FCRA ), and TransUnion is obligated to conduct a reasonable investigation of any dispute and remove unverifiable information within 30 days.

To date, no investigation results or supporting verification have been provided in response to my dispute. 

By failing to investigate and remove these inquiries, TransUnion is violating my rights under the FCRA and impeding my ability to access fair credit. I therefore request : A prompt reinvestigation of the disputed inquiries under 611.

Immediate removal of any inquiries that can not be properly verified.

A written confirmation of completion and results of the investigation. 

Notification to all recipients of my credit report that these inquiries have been deleted. 

I have enclosed copies of : My dispute letter to TransUnion dated XXXX Credit report extracts highlighting the unauthorized inquiry XXXX XX/XX/year> Any correspondence sent/received Since TransUnion did not fully comply with its obligations, I ask the Consumer Financial Protection Bureau to investigate and ensure enforcement of TransUnions obligations under the FCRA. Ive also filed this complaint for that purpose. 

Thank you for your time and assistance. Please contact me if you need further documentation or clarification. 

Sincerely, 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 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On Thursday, XX/XX/XXXX, XXXX XXXX XXXX contacted my husband about a debt that I owe to XXXX Credit Card. The representative told him that since he was my husband he was authorized to talk to him about a debt that I owe. My husbands name is not on the credit card and my husband expressed this to him but he proceeded to tell him that he was responsible for a debt that he had no part of. The gentleman then asked him if he would be willing to pay my debt. My husband said no he didnt make it so hes not paying it. The gentleman said that because we we are married he automatically acquired the debt as well. My husband told him it was illegal for him to give out information about me since his name is not on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
am writing to formally dispute several inaccurate and damaging entries currently appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request immediate investigation and correction or removal of the following accounts due to errors, outdated information, or failure to comply with proper reporting standards. 
The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX a late payment in XXXX and balance of {$86.00} even after account closure by consumer. I request full investigation and removal of any derogatory marks. 
XXXX. XXXX XXXX One 30-day late payment in XXXX. Please verify the accuracy of this record, and remove it if it can not be confirmed with original documentation. 
XXXX. XXXX XXXX XXXX Reports a 30-day late payment in XXXX. Please validate its legitimacy or remove it accordingly. 
XXXX XXXX XXXX XXXX Closed account with balance and a resolved dispute remark. I request validation of this debt and removal if not verifiable. 
Please conduct a prompt reinvestigation and provide me with written results of your findings. If the items listed can not be verified, I respectfully request that they be removed from my credit file immediately. 
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 2025-07-11 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:
am writing to formally dispute several inaccurate and damaging entries currently appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request immediate investigation and correction or removal of the following accounts due to errors, outdated information, or failure to comply with proper reporting standards. 
The accounts in question are : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX a late payment in XXXX and balance of {$86.00} even after account closure by consumer. I request full investigation and removal of any derogatory marks. 
XXXX. XXXX XXXX One 30-day late payment in XXXX. Please verify the accuracy of this record, and remove it if it can not be confirmed with original documentation. 
XXXX. XXXX XXXX XXXX Reports a 30-day late payment in XXXX. Please validate its legitimacy or remove it accordingly. 
XXXX XXXX XXXX XXXX Closed account with balance and a resolved dispute remark. I request validation of this debt and removal if not verifiable. 
Please conduct a prompt reinvestigation and provide me with written results of your findings. If the items listed can not be verified, I respectfully request that they be removed from my credit file immediately. 
Thank you for your attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a debt validation letter to XXXX XXXX XXXX within the XXXXday window under the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ), formally requesting that they verify the alleged debt and provide supporting documentation. It has now been over XXXX  days, and they have not provided any verification or proof that the debt is valid or belongs to me. 

Despite this, XXXX XXXX XXXX has continued to send me collection emails, which constitutes a violation of the FDCPA, specifically : Failure to validate the debt within XX/XX/XXXXdays Continuing collection activity during the validation period ( email contact ) Additionally, they reported this debt to Equifax, even though they never verified its validity which further violates my rights and has damaged my credit. 

To make matters worse, I had a XXXX XXXX account that was recently removed from my credit file ( as expected ), but this new account from XXXX suddenly appeared around the same time. This is highly suspicious, and I believe they are attempting to bypass the rules. Although this issue says equifax the collection agency who bro these rules is XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased and activated a {$200.00} American Express prepaid gift card on XX/XX/year>. The card was only used onceon the official American Express websiteto check the balance. I never used it to make a purchase, and I did not share the card information with anyone. 

On XX/XX/year>, XXXX unauthorized charges were made to the card by a business listed as * IN XXXX NC in XXXX, IL totaling the full {$200.00} : {$50.00} {$90.00} {$60.00} XXXX live in California and have never been to XXXX. I also do not make online purchases aside from XXXX, and I did not authorize these transactions in any form. 

I called AMEX prepaid support at XXXX ( the phone number on the back of the card ) on XX/XX/year> to file a dispute. I received a disputed case document by email, which I signed and returned that same day. 

On XX/XX/year>, I received a generic denial with no explanation of how they determined I had authorized the charges. On XX/XX/year>, I sent a firm reply asking for proof of the authorization and reiterating that I had not provided my card to anyone. 

On XX/XX/year>, I received another denial, filled with vague if language implying liability if I had given out my card detailsagain with no actual proof or investigation results. 

On XX/XX/year>, I responded again, clearly requesting evidence of authorization or a transaction breakdown. As of XX/XX/year>, I have received no response at all. 

I am being held responsible for fraudulent charges with no transparency, no proof, and a dismissal of valid concerns. I trusted American Express to protect cardholders. This process has made it clear that even reporting obvious fraud results in blame being shifted to the consumer. 

I am requesting that this case be reopened, that the {$200.00} be refunded, and that AMEX be required to provide actual documentation justifying their denial, or admit the investigation was insufficient.

Company response to consumer: Closed with explanation