vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear [ Credit Bureau Name ], I am formally disputing the accuracy of the following information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) : Discover account was opened XX/XX/XXXX. 
This account is being reported inaccurately and/or without proper verification. Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of any disputed information. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), the furnisher of this information must ensure its accuracy and provide proper documentation to substantiate the debt.

I request that you provide verification of the alleged debt, including documentation from the original creditor proving I owe this debt and that XXXX has the legal right to collect it. Proof of the date of first delinquency, as required to determine the proper reporting period under FCRA 605 ( a ) ( 7-year limitation ). Complete records of your investigation as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Late payments in question XXXX XXXX of XXXX and XXXX of XXXX If you can not verify this account with proper documentation within 30 days, the account must be deleted from my credit report pursuant to 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
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was enrolled in American Express Event Assistance program for XXXX disaster XXXX ( Texas flooding XXXX XXXX XXXX XXXX, 2025 ) and had my account access terminated immediately after requesting XXXX accommodations, preventing me from purchasing disaster preparedness supplies during an active federal disaster period. 

Timeline : - XX/XX/year> : Successfully enrolled in Event Assistance program for XXXX disaster XXXX - XX/XX/year> : Received confirmation letter stating successful enrollment - XX/XX/year> : Received letter from XXXX XXXX stating they " can not enroll via email '' due to XXXX requirements XXXX despite already being enrolled - XX/XX/year> : All account access terminated, preventing transactions during active disaster period XXXX Violations : I am a XXXX XXXX XXXX veteran with medically documented limitations preventing phone/chat use. I requested email accommodation multiple times. Despite acknowledging XXXX requirements, American Express : XXXX. Created barriers to continued enrollment after initially providing accommodation XXXX. Terminated my disaster assistance access immediately after accommodation requests XXXX. Denied equal access to financial services based on XXXX Disaster Relief Interference : My accounts were cut off during the active XXXX disaster period ( through XX/XX/year> ), preventing me from purchasing essential supplies including solar panels, batteries, and seeds for my XXXXverified agricultural operation. This interference with federally-declared disaster assistance may violate XXXX XXXX provisions. 

Evidence : - XX/XX/year> letter confirming successful Event Assistance enrollment - XX/XX/year> letter acknowledging XXXX requirements while simultaneously creating enrollment barriers- Pattern of retaliation : accommodation approved, then access terminated within XXXX hours I am requesting investigation of XXXX discrimination, interference with federal disaster relief, and restoration of my Event Assistance enrollment through my preferred accommodation method ( email ) for the remainder of the disaster period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Date XX/XX/XXXX Experian Corporate Counsel XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX : Request for Verification and Removal of Unauthorized Inquiries To Whom It May Concern : I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute several inquiries listed on my credit report which I do not recognize or authorize. 

The following companies made inquiries without my consent : - XXXX XXXX XXXX XX/XX/XXXX I request, pursuant to Sections 604, 609, 611, and 607 ( b ) of the FCRA : 1. Documented verification of the permissible purpose for each inquiry.

2. A copy of any signed contract or authorization for each listed inquiry.

3. Immediate removal of any inquiries that can not be verified in accordance with the law. 

Attached are my identification and proof of address. 

Thank you for your prompt attention to this matter. I expect a response within 30 days as required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 three top credit bureaus are reporting identity theft accounts on My credit report. The following accounts have been reporting identity theft data. I have been incarcerated and clearly I could not have made these charges. Here are the accounts listed Number XXXX Number XXXX Number XXXX Number XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX UNION SAVINGS BANK # XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE : XXXX I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to dispute the accuracy of certain information being reported on my credit file. The accounts listed below are showing 60-day and 90-day late payments that are currently in litigation and not legally enforceable at this time.

Per Metro 2 reporting guidelines and the XXXX XXXX XXXX XXXX XXXX ( XXXX ), furnishers must ensure that accounts in litigation are reported accurately and not in a manner that misleads or causes harm. Reporting delinquency during pending litigation is misleading and fails the requirement of maximum possible accuracy under FCRA 607 ( b ).

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX UNION SAVINGS BANK # XXXX XXXX XXXX XXXX XXXX, OH XXXX PHONE : XXXX I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to dispute the accuracy of certain information being reported on my credit file. The accounts listed below are showing 60-day and 90-day late payments that are currently in litigation and not legally enforceable at this time.

Per Metro 2 reporting guidelines and the XXXX XXXX XXXX XXXX XXXX ( XXXX ), furnishers must ensure that accounts in litigation are reported accurately and not in a manner that misleads or causes harm. Reporting delinquency during pending litigation is misleading and fails the requirement of maximum possible accuracy under FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 dispute the presence of several fraudulent accounts on my credit report, which were opened as a result of identity theft. I did not authorize or open the following accounts, and I am requesting their immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance In accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting that these fraudulent items be blocked from my credit report. This provision mandates that consumer reporting agencies must block information resulting from identity theft from appearing on a credit report within XXXX business 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 2025-08-18 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: FL

Complaint narrative:
I am submitting this formal complaint against Transunion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Transunion with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which the banks confirmed would be removed but remains on my report ; All of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Transunion 's refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-08-18 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:
equifax XXXX and experian they fail to address errors or provide adequate investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft dispute. Despite providing Equifax with my complete FTC Identity Theft Report ( FTC Report # XXXX ) and supporting documentation, they have failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), failed to provide investigation results within the 30-day statutory period as required under 1681i ( a ) ( 6 ), and failed to block fraudulent information from my file as mandated under 1681c-2. In fact, Equifax has allowed the continued reporting of fraudulent accounts, including XXXX ( XXXX ), XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX ), which are causing ongoing and irreparable harm to my credit standing. These actions directly violate my rights under federal law and mirror conduct for which credit bureaus have previously faced legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
This is a formal dispute of the following inaccurate and fraudulent accounts reported on my consumer credit file : XXXX XXXX Opened XX/XX/XXXX, Balance {$2500.00}, Status : Charged Off XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$2000.00}, Status : {$120.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$770.00}, Status : {$47.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$4000.00}, Status : {$250.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1500.00}, Status : {$96.00} Past Due ( as of XX/XX/XXXX ) What Happened These accounts are the result of a data breach and identity compromise. I did not authorize these accounts, and they can not be verified as accurate or valid. Reporting of such information is a direct violation of my rights under federal law. 

Applicable Law & Justification 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a credit reporting agency to conduct a reasonable reinvestigation when a consumer disputes any item of information.

15 U.S.C. 1681c-2 ( a ) Mandates that any consumer reporting agency must block fraudulent or identity-theft-related information within 4 business days of receiving proper notice.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681n & 1681o Provide for civil liability, including actual damages, punitive damages, attorneys fees, and costs, for willful or negligent noncompliance. 

Demand for Resolution Because these accounts resulted from identity theft and can not be verified, I demand that they be permanently deleted within 4 business days pursuant to 15 U.S.C. 1681c-2 ( a ). Any continued reporting after this notice constitutes knowing and willful noncompliance with the FCRA and will be treated as such. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, along with pursuit of full statutory damages in federal court. 

Please confirm in writing that these deletions have been completed.

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 2025-08-18 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: OH

Complaint narrative:
This is a formal dispute of the following inaccurate and fraudulent accounts reported on my consumer credit file : XXXX XXXX Opened XX/XX/XXXX, Balance {$2500.00}, Status : Charged Off XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$2000.00}, Status : {$120.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$770.00}, Status : {$47.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$4000.00}, Status : {$250.00} Past Due ( as of XX/XX/XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX, Balance {$1500.00}, Status : {$96.00} Past Due ( as of XX/XX/XXXX ) What Happened These accounts are the result of a data breach and identity compromise. I did not authorize these accounts, and they can not be verified as accurate or valid. Reporting of such information is a direct violation of my rights under federal law. 

Applicable Law & Justification 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requires a credit reporting agency to conduct a reasonable reinvestigation when a consumer disputes any item of information.

15 U.S.C. 1681c-2 ( a ) Mandates that any consumer reporting agency must block fraudulent or identity-theft-related information within 4 business days of receiving proper notice.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681n & 1681o Provide for civil liability, including actual damages, punitive damages, attorneys fees, and costs, for willful or negligent noncompliance. 

Demand for Resolution Because these accounts resulted from identity theft and can not be verified, I demand that they be permanently deleted within 4 business days pursuant to 15 U.S.C. 1681c-2 ( a ). Any continued reporting after this notice constitutes knowing and willful noncompliance with the FCRA and will be treated as such. 

Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, along with pursuit of full statutory damages in federal court. 

Please confirm in writing that these deletions have been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against Credit Collection Services because they have not complied with their obligations under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA )...

After receiving a collection notice, I exercised my right under 15 U.S.C. 1692g ( b ) by mailing a written request for validation of the alleged debt. In my letter, I specifically requested A copy of the original agreement or contract bearing my signature, A detailed accounting of the charges that make up the balance, and Proof that Credit Collection Services has legal authority or assignment to collect on this account, & a few more other things...

Despite this lawful request, Credit Collection Services has not provided meaningful documentation proving that the debt is valid. Instead, they have continued with collection activity and/or furnished information to the consumer reporting agencies... 
Reporting unverifiable information to the credit bureaus without first validating the debt violates the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681s-2 ). These actions misrepresent the status of the debt and cause material harm to me as a consumer...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation