vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Regarding Credit Protection and Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally lodge a complaint regarding the mishandling of my account and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have contacted your customer service team on multiple occasionsfirst in XXXX, and again beginning in XX/XX/XXXX through the presentregarding the activation and application of the XXXX XXXX XXXX for which I have been paying. Despite these repeated communications and dispute submissions, XXXX XXXX XXXX has failed to properly invoke the XXXX XXXX provisions on my account. 

As a paying customer enrolled in your XXXX XXXX program, I understand that this service is intended to provide relief in qualifying circumstances, including protection from late fees and negative credit reporting. I have made good faith efforts to resolve this matter directly by disputing the inaccurate reporting several times, but the issue remains unresolved. 

As a result, late payments have been improperly reported to credit bureaus, which is not only a violation of the terms under which I enrolled in your XXXX XXXX service, but also causes undue harm to my credit standing. 

I demand that XXXX XXXX XXXX  immediately : Review my account and confirm the dates and circumstances under which XXXX XXXX should have been activated. 

Cease reporting inaccurate late payment information to the credit bureaus. 

Notify the credit bureaus of any necessary corrections. 

Provide written confirmation of the actions taken. 

I expect a timely and appropriate resolution to this matter. If this issue is not addressed promptly, I will be forced to escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

Sent information to company as well. Please see attachment. I paid for credit protection!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
On XX/XX/XXXX, I discovered that my American Express XXXX XXXX ending in XXXX account had been suddenly closed without any prior notice or warning ( membership since XXXX ). I received no email, message, or phone call beforehand. When I contacted customer support, I was told the closure was due to potential misuse, but no specific explanation or evidence was provided. 

At the time of closure, I had a strong account history : no late payments, consistent usage, and a XXXX  score over XXXX. I was using the card for regular, personal expenses only. I was not given the opportunity to respond to or appeal the closure. 

In addition to closing my account, American Express confiscated XXXX Membership Rewards points, which had significant monetary value. This action was taken immediately and without honoring any 30-day grace period, despite what is stated in Amex 's published terms. 

I contacted several American Express phone lines, including XXXX, XXXX, and XXXX, but none of them provided clear answers. In some cases, I was met with rude and dismissive behavior, and even encountered mocking or sarcastic tones from customer representatives. The attitude I received was shocking and deeply unprofessional, especially considering the seriousness of the issue. 

I also requested written justification, a review of the closure decision, and restoration of my rewards none of which were addressed. The process lacked transparency, due process, and basic respect for the customer. 

This abrupt account closure has also negatively affected my credit report, as a long-standing line of credit was terminated without warning. This is particularly unfair given that I have maintained excellent credit behavior. 

I am seeking a full refund of the annual fee I paid for the card, and reinstatement or equivalent compensation for the forfeited Membership Rewards points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-13 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-13 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: NJ

Complaint narrative:
I am filing a complaint against EQUIFAX and the associated information furnisher for inaccurately reporting late payments on my Credit Card account with account number XXXX. 

This incorrect information in my credit report violates several regulations, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Protection Against Non-Payment of Obligations Act ( PAANL ), and Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). 
1. FCRA : The credit bureau and the information furnisher have failed to ensure the accuracy of the data in my report, and the incorrect information continues to appear despite my request for a manual and thorough verification, as required by the FCRA. The lack of manual investigation, as well as possible reliance on the automated E-Oscar system, constitutes a violation of 15 U.S.C. 1681i and 1681s-2.

2. TILA : I have not received periodic billing statements within the legal timeframe of 21 days before the payment due date, which has resulted in the incorrect reporting of late payments. I request the provision of records demonstrating compliance with TILA requirements, specifically 15 U.S.C. 1637 ( b ) and 12 CFR 1026.5.

3. UDAAP : The inaccurate information regarding my late payments affects my credit score and may mislead potential creditors. I believe this constitutes a deceptive practice under UDAAP regulations overseen by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-05-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I noticed the following inquiry, which I did not authorize nor do I have any existing relationship or business dealings with this entity CITIZENS BANK. This was done WITHOUT my knowledge or permission Equifax conducted a sham investigation and did not provide documentation with my signature showing I authorized this inquiry. In direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) to remove the XXXX account from my credit report within XXXX business days. 

The account in question was charged off on XX/XX/XXXX, and XXXX subsequently issued a Form XXXX on XX/XX/XXXX for the XXXX tax year. This is clear legal evidence that the debt was canceled. 

Reporting a balance of {$970.00} after a 1099-C has been filed is unlawful, misleading, and constitutes a willful violation of the FCRA under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Continuing to report an amount owed on a canceled debt is inaccurate and deceptive and exposes your bureau to liability for maintaining false information. 

You are hereby notified that you must : Delete the XXXX account in its entirety, within XXXX business days of receipt of this notice. 

No correction, notation, or balance adjustment is acceptable. Only full deletion will satisfy this demand. 

Failure to comply will result in : Immediate legal action for statutory and actual damages Formal complaints filed with the CFPB, FTC, and state Attorney General A lawsuit seeking injunctive relief and attorneys fees This is your final notice. I request written confirmation of removal upon completion of your reinvestigation.

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 2025-05-13 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: FL

Complaint narrative:
This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ) to remove the XXXX account from my credit report within XXXX business days. 

The account in question was charged off on XX/XX/XXXX, and XXXX subsequently issued a Form XXXX on XX/XX/XXXX for the XXXX tax year. This is clear legal evidence that the debt was canceled. 

Reporting a balance of {$970.00} after a 1099-C has been filed is unlawful, misleading, and constitutes a willful violation of the FCRA under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Continuing to report an amount owed on a canceled debt is inaccurate and deceptive and exposes your bureau to liability for maintaining false information. 

You are hereby notified that you must : Delete the XXXX account in its entirety, within XXXX business days of receipt of this notice. 

No correction, notation, or balance adjustment is acceptable. Only full deletion will satisfy this demand. 

Failure to comply will result in : Immediate legal action for statutory and actual damages Formal complaints filed with the CFPB, FTC, and state Attorney General A lawsuit seeking injunctive relief and attorneys fees This is your final notice. I request written confirmation of removal upon completion of your reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-05-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion 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 receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) a fraudulent phone XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXXnder the account number XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX 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 2025-05-13 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: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c2 ) that you, the TransUnion 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 receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX under the account number ( XXXX ) a fraudulent phone XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XXXXnder the account number XXXX these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX federal trade commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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