vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have never used the name XXXX before, and that name must be removed from my credit report. The following accounts listed are fraudulent and must also be removed and blocked from my credit report under section 1681c2block of information resulting from identity theft under the Fair Credit Reporting Act. 
XXXX XXXX Account number XXXX, XXXX XXXX  Account number XXXX, XXXX XXXX Account XXXX, XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I purchased an AMEX gift card from XXXX and added {$250.00} dollars during a week wait period I did not have access to my debit card as I had misplaced it so I researched how I could use some sort of card for online and physical purchases during that time and AMEX gift card advertises they are accepted anywhere Amex is accepted both online and physical locations. After purchasing my gift card for {$250.00} I registered it and activated it as the website instructions instruct you to do so. However when it came time to make an online or physical purchase with this AMEX gift card it was declined every time due to zip code missing even though I was using my zip code I provided AMEX during registration and it was declined at several other stores physically when swiped. I am unable to use the {$250.00} dollars i added to my gift card and unable to recover any sort of reason from AMEX gift card services as to why I am having these issues. However the gift card has done nothing they advertise it to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: MS

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
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 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 2025-07-24 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: NH

Complaint narrative:
In XXXX of XXXX, I applied for an apartment at the XXXX  XXXX XXXX  XXXX  in XXXX, NM, paying an application fee. I paid an additional hold fee, but ultimate did not accept an apartment there. Forr the past almost 3 years the complex has been billing me for {$310.00} despite the fact that I did not accept an apartment there ; they subsequently submitted the bill to collections. I filed disputes with all 3 credit reporting agencies, as this collections account.has negatively impacted my credit ; however, all 3 credit reporting agencies denied the appeal. I don't know where to turn or what to do to get this off my credit report. Early messages to XXXX XXXX in late XXXX and early XXXX ( by email, but no longer have the emails ) went unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NH

Complaint narrative:
In XXXX of XXXX, I applied for an apartment at the XXXX  XXXX XXXX  XXXX  in XXXX, NM, paying an application fee. I paid an additional hold fee, but ultimate did not accept an apartment there. Forr the past almost 3 years the complex has been billing me for {$310.00} despite the fact that I did not accept an apartment there ; they subsequently submitted the bill to collections. I filed disputes with all 3 credit reporting agencies, as this collections account.has negatively impacted my credit ; however, all 3 credit reporting agencies denied the appeal. I don't know where to turn or what to do to get this off my credit report. Early messages to XXXX XXXX in late XXXX and early XXXX ( by email, but no longer have the emails ) went unresolved.

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 2025-07-24 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I have become aware of a potential or actual data breach involving my personal information that may have originated from your company or systems. I have reason to believe that my [ full name, Social Security number, credit card number, medical records, etc. ] has been exposed, misused, or accessed without authorization.

Under applicable federal and state data protection and breach notification laws, you have a legal duty to protect consumer data and promptly inform affected individuals of any breach of security. If my information was compromised due to your negligence or failure to follow proper data security protocols, I expect : 1. A full explanation of the scope of the breach, including what data was affected and when the breach occurred.

2. Written confirmation of the steps being taken to mitigate harm and prevent future incidents.

3. Compensation for any harm suffered as a result of this breach, including credit monitoring or identity theft protection for a minimum of 12 months.

4. Written assurance that my data has been removed or secured in accordance with relevant laws. 



If you do not respond within 10 calendar days, I will file complaints with the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX state attorney generals office XXXX XXXX and other relevant regulatory authorities. I may also consider legal action for any financial, reputational, or emotional damage resulting from this exposure. 



Please treat this matter with urgency and respond in writing by [ 10 Calendar days ].

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I have become aware of a potential or actual data breach involving my personal information that may have originated from your company or systems. I have reason to believe that my [ full name, Social Security number, credit card number, medical records, etc. ] has been exposed, misused, or accessed without authorization.

Under applicable federal and state data protection and breach notification laws, you have a legal duty to protect consumer data and promptly inform affected individuals of any breach of security. If my information was compromised due to your negligence or failure to follow proper data security protocols, I expect : 1. A full explanation of the scope of the breach, including what data was affected and when the breach occurred.

2. Written confirmation of the steps being taken to mitigate harm and prevent future incidents.

3. Compensation for any harm suffered as a result of this breach, including credit monitoring or identity theft protection for a minimum of 12 months.

4. Written assurance that my data has been removed or secured in accordance with relevant laws. 



If you do not respond within 10 calendar days, I will file complaints with the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX  state attorney generals office XXXX XXXX and other relevant regulatory authorities. I may also consider legal action for any financial, reputational, or emotional damage resulting from this exposure. 



Please treat this matter with urgency and respond in writing by [ 10 Calendar days ].

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that I have become aware of a potential or actual data breach involving my personal information that may have originated from your company or systems. I have reason to believe that my [ full name, Social Security number, credit card number, medical records, etc. ] has been exposed, misused, or accessed without authorization.

Under applicable federal and state data protection and breach notification laws, you have a legal duty to protect consumer data and promptly inform affected individuals of any breach of security. If my information was compromised due to your negligence or failure to follow proper data security protocols, I expect : 1. A full explanation of the scope of the breach, including what data was affected and when the breach occurred.

2. Written confirmation of the steps being taken to mitigate harm and prevent future incidents.

3. Compensation for any harm suffered as a result of this breach, including credit monitoring or identity theft protection for a minimum of 12 months.

4. Written assurance that my data has been removed or secured in accordance with relevant laws. 



If you do not respond within 10 calendar days, I will file complaints with the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX state attorney generals office XXXX XXXX and other relevant regulatory authorities. I may also consider legal action for any financial, reputational, or emotional damage resulting from this exposure.

Please treat this matter with urgency and respond in writing by [ 10 Calendar days ].

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 2025-07-24 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-24 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: AL

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 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 2025-07-24 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX  & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-24 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:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: WA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Synovus Bank
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report like I normally do, but this time I noticed some unexpected discrepancies. I even refreshed the browser thinking it might be a temporary glitch, but the inaccurate accounts were still there. Because of this, Im requesting a careful review of the documents Ive submitted so that I can stop stressing over this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am 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 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