vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-08-20 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:
These accounts were not authorized by me and may be linked to fraudulent activity. I respectfully request their elimination from my credit history and a complete review. Supporting paperwork is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: PR

Complaint narrative:
On XX/XX/year>2025, I submitted a formal dispute to Equifax under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), providing my official FTC Identity Theft Report ( Report Number : XXXX ) and requesting the immediate blocking of fraudulent accounts, specifically XXXX XXXX XXXX XXXX XXXX XXXX - XXXX. By law, the agency was required to block the disputed information within four ( 4 ) business days.

Instead of complying, the bureau simply verified the account using internal data from the furnisher, without providing any written certification, signed contract, or details of the investigation, as required under FCRA 611 ( a ) ( 7 ) and 609 ( a ).

More than 30 days have passed, and the fraudulent account still remains on my credit file. This constitutes a violation of FCRA 605B, 611, and 607 ( b ), as the agency failed to : Block the information within the required 4-day period.

Provide the results of the reinvestigation and the verification procedures.

Remove unverifiable information from my report.

As a result, my credit score remains artificially low, I have been denied credit, I am forced to pay higher interest rates, and I continue to suffer financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: LEXISNEXIS
State: NY

Complaint narrative:
I filed a dispute with LexisNexis through their online system on XX/XX/year> regarding inaccurate claims on my report. They requested additional information, which I promptly provided. I also asked for a rush due to financial hardship, since the inaccurate claims have caused my auto insurance rates to increase to the point where I can not afford coverage. Despite this, LexisNexis sent me my findings through regular mail, which I received on XX/XX/year>. When I checked again, the disputed claims were still showing on my report. I tried contacting LexisNexis multiple times, but due to my full-time job and being a single parent, whenever I had time, they had me on hold for over XXXX minutes, and I had to hang up. Finally, when I took off day fromwokr to take care of this on XX/XX/year>, and they admitted I would have to wait for another reinvestigation, even though the error was on their end. I should not be penalized with another 30-day wait. They also refused to connect me with compliance or escalations and only offered another rush, which is not guaranteed. In addition, another claim I disputed was marked as an accident/claim even though I was not the driver or policyholder, and this was not corrected either. I have complied with all requests, yet LexisNexis has failed to accurately investigate and correct my report. As a result, I am suffering serious financial hardship, an inability to obtain affordable insurance, and ongoing frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express Platinum Credit Card Ending in # XXXX. 
Back in XXXX, a Company Executive from American Express had promised that they had to put me on a temp credit limit basis for 1 year max. They said they provided me {$15000.00} limit on the card. XXXX came around and I still have a credit limit as we pay a HUGE Annual Fee to have freedom with the Plat. CC with a NO LIMIT with that card. The Company Executive said this would be for 1 year to review my payments and how I been using the card. 

I have now only paid off the card off every single month, I actually carry a credit balance every month to ensure I am always above the credit limit. 

I simply want what I was promised by the executive team and credit department as they promised being I been a long term client since XXXX, they would honor our agreement for 1 year and remove the credit limit. I am reporting this by Email, CFPB and Federal Trade Complaints and by Mail as we are now in XXXX and I am still dealing with a little credit limit. They have refused to remove this and act on their word.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including collections, charge-offs, late payments, and hard inquiries, that were added to my credit report without my knowledge or authorization. These accounts are the result of fraudulent activity and not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report # XXXX along with supporting documentation, including evidence that my personal data was compromised in the Equifax data breach. The fraudulent accounts reported on my Equifax credit file include a XXXX account ending in XXXX * * * * * *, opened in XX/XX/XXXX with a reported balance of {$1100.00} under a credit card ; a XXXX XXXX account ending in XXXX * * * * * * * *, opened in XX/XX/XXXX with a reported balance of {$6100.00} under an auto loan ; a XXXX XXXX account ending in XXXX * * * *, opened in XX/XX/XXXX with a reported balance of {$3100.00} under an auto lease ; and an XXXX account ending in XXXX * * *, opened in XX/XX/XXXX with a {$0.00} balance under an unsecured loan. I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my XXXX  credit report which I do not recognize and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX on XX/XX/XXXX under account XXXX * * * * * * with a {$1100.00} balance, an auto loan opened at XXXX XXXX on XX/XX/XXXX under account XXXX * * * * * * * * with a {$6100.00} balance, an auto lease opened at XXXX XXXX on XX/XX/XXXX under account XXXX * * * * with a {$3100.00} balance, and an unsecured loan opened at XXXX on XX/XX/XXXX under account XXXX * * * with a {$0.00} balance. These accounts have resulted in fraudulent hard inquiries and adverse reporting on my consumer FICO credit report. I demand the immediate removal of these items and that all related collection activity cease pursuant to my rights under the FCRA and FDCPA. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX CARD XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$30.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CT

Complaint narrative:
I want to make it absolutely clear that I did not authorize, open, or have any involvement with this account. This fraudulent activity has caused me significant harm, including damage to my credit profile, emotional distress, and disruption to my financial stability. 

XXXX XXXX XXXX  Account number XXXX Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is reporting an XXXX XXXX XXXX XXXX account on my Experian credit report that was originally delinquent on XX/XX/year>. This account has been previously removed after disputes but has been re-reported by different collection agencies. Experian marked my dispute as verified even though the collection agencys response states that validation is forthcoming. They have not confirmed the original delinquency date, which is required under FCRA Section 611 ( a ) ( 1 ), and are now prolonging the verification process, which is illegal. Reporting this as current or re-aging the account is also illegal and violates the 7-year reporting limit under FCRA Section 605 ( a ).

I request that Experian verify the account using the original delinquency date or remove the account immediately.

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 2025-08-20 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: FL

Complaint narrative:
This is now my third and FINAL notice regarding the continued reporting of false, inaccurate, and unverifiable information on my credit file : XXXX  - XXXX 15 USC 1681b ( a ) ( 3 ) : Permissible Purpose Instruction : Explain the permissible purpose for accessing my credit file in relation to this collection account & DELETE this account immediately. 
Let me be very clear your failure to correct this matter after multiple lawful disputes is no longer just negligence. It is now willful, malicious, and entirely unlawful conduct designed to harm me. 
Unauthorized inquiry. 
I am a consumer with rights protected under federal law. I have notified you on two prior occasions and provided every opportunity for you to correct this situation. Instead, you have chosen to ignore your legal obligations, leaving damaging and false information on my credit report. This stops now.

The following laws are being violated by your continued actions : FCRA Violations : 15 U.S.C. 1681e ( b ) : You have willfully failed to ensure maximum possible accuracy. 15 U.S.C. 1681i : You failed to conduct a lawful reinvestigation and correct the information within the required
time. 15 U.S.C. 1681s-2 : You continue reporting false, unverifiable information, knowingly violating my rights.

1 of 3 FDCPA Violations : 15 U.S.C. 1692e : You are deceptively misrepresenting the validity of this alleged debt. 15 U.S.C. 1692f : You are engaging in unfair and abusive reporting practices that have caused me financial and emotional harm.

UCC Violations : UCC 3-305 & 1-103 ( a ) : You are knowingly reporting debts for which there is no legal, verifiable agreement this is outright fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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:
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 identity 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 XXXX XXXXXXXX ACCOUNTS : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} US DEPT ED - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} US DEPT ED - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00}

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 explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
I purchased an HVAC system in XX/XX/XXXX for XXXX through XXXX XXXX and XXXX XXXX and they offered a loan through Service Finance Company for 18 month interest free. The payments started in XX/XX/XXXX and I received the first bill via US mail ( but not email as they would say ) I paid the first payment, but the second bill did not arrive until after the due date ( which I would suspect they did on purpose ) and so I was late with that payment. I called and told them I did not receive the bill but would send in the payment. I also wanted to make sure they had my correct address. No problem was conveyed at that time with the status of the loan. I received the XX/XX/XXXX bill late as well but was on top of it by then and made that payment and every other payment on time for the next 16 months. I even went to the post office in XXXX of XXXX to see if they could identify why I might not be receiving this bill on time. They did an investigation but had no answer. When I called in XXXX of XXXX to get my payoff amount as I wanted to pay it off in the XXXX month, the payoff amount was {$6500.00} more than the expected balance and finally at that time they informed me that I had been put out of the promotion back in XXXX of XXXX due to the late payment, even though I reconciled it with them at that time. 
I have called in to talk to someone on several occasions starting in early XXXX with the only response being I would get a call back in XXXX hours from a supervisor. I finally did around XX/XX/XXXX from XXXX XXXX XXXX who took my information only. I then had to contact him via email as no one would transfer me to him through the call center. There was correspondence beginning of XX/XX/XXXX to XX/XX/XXXX with promises to have a person from the reconciliation or Complaints department get back to me to resolve the issue. I still did not hear anything back after several more calls to the call center who told me the complaint was still in review. I then wrote a letter to send in with my final planned payment to pay off the full principal on XX/XX/XXXX again with no response. I have called the call center several times again and then they told me the complaint was resolved and said someone should have called me, which they did not, so they would put in a new complaint. When I called a week or two later, they said no supervisor was available to speak to me but that someone would call back in XXXX hours, which they did not. So they are no longer making any attempts to communicate back to me.

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