vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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:
I am writing to formally dispute several unauthorized and inaccurate hard inquiries listed on my credit report. I am requesting that immediate action be taken to investigate and remove these inquiries, as they are unjustified and negatively impacting my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MD

Complaint narrative:
I am filing this complaint because American Express abruptly and without justification closed my American Express XXXX XXXX account and forfeited XXXX Membership Rewards points. 

I have always used the card responsibly and in full accordance with American Expresss terms and conditions. I make regular purchases, pay my full balance on time every month, and paid the annual membership fee on time. I have never received any warning or notification of any misuse or suspicious activity on my account.

When I contacted American Express, I was told that the card was closed due to " misuse '' but no specific reason or example was provided. I was not given any opportunity to appeal or clarify. Most concerning is that my XXXX Membership Rewards points which I earned through legitimate spending were forfeited with no recourse. These points hold substantial monetary value and were accumulated through years of loyal card use. 

This action feels unjustified and punitive, especially given my consistent record of responsible card use. I am requesting that : American Express provide a clear explanation of the alleged misuse. 

My Membership Rewards points be reinstated or made available for transfer or redemption. 

If American Express can not demonstrate valid grounds for the account closure and point forfeiture, I respectfully request regulatory review and intervention. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had three late payments on a XXXX account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2025-05-19 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: IL

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

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I submitted a dispute to Experian regarding a XXXX XXXX account reporting inaccurate information. I included a formal Method of Verification ( MOV ) request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). I specifically asked Experian to provide the name and contact of the furnisher, the method of verification, the date of the response, and the documentation relied upon. 

Experian responded by updating the account comment to reflect that the item was previously disputed and verified by the data furnisher, but they failed to provide any of the requested MOV details. No explanation, documentation, or verification method was disclosed, which is required by law. 

I do not acknowledge liability for this account, and I am concerned that Experian is continuing to report inaccurate and unverified information without honoring my rights under the Fair Credit Reporting Act. This has caused harm to my credit profile. I am requesting that Experian be compelled to comply with FCRA obligations, provide a complete Method of Verification, and correct or remove the inaccurate data.

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 2025-05-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Validation & Removal To Whom It May Concern, I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C . 1692g. Please provide : 1. Full accounting and origin of the debt 2. Proof of my liability 3. Name and address of the original creditor 4. Verification that you are licensed to collect in my state In accordance with the CFPBs policy changes on medical debt reporting, this account may no longer be reportable. Until verification is provided, please remove this item from my credit report under FCRA 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported without proper validation. I never received a validation notice under FDCPA 809, and XXXX has not responded to my written requests. The reported balances are inflated ( e.g. {$56000.00} for a {$47000.00} original balance ) with no itemized proof. 

Sincerely, 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 2025-05-19 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Validation & Removal To Whom It May Concern, I am requesting validation of this debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C . 1692g. Please provide : 1. Full accounting and origin of the debt 2. Proof of my liability 3. Name and address of the original creditor 4. Verification that you are licensed to collect in my state In accordance with the CFPBs policy changes on medical debt reporting, this account may no longer be reportable. Until verification is provided, please remove this item from my credit report under FCRA 611. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported without proper validation. I never received a validation notice under FDCPA 809, and XXXX has not responded to my written requests. The reported balances are inflated ( e.g. {$56000.00} for a {$47000.00} original balance ) with no itemized proof. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report maintained by Equifax. Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a thorough investigation and ensure the accuracy of all information reported. The following items on my report are inaccurate and must be corrected or removed immediately I have tried several attempts to have these items removed- with no results from Equifax. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( These records are inaccurate on all three reporting bureaus and should be removed immediately. ) XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( These records are inaccurate on all three reporting bureaus and should be removed immediately. ) XXXX XXXX XXXX : XX/XX/XXXX ( These records are inaccurate on all three reporting bureaus and should be removed immediately. ) XXXX XXXX XXXX : XX/XX/XXXX ( These records are inaccurate on all three reporting bureaus and should be removed immediately. ) XXXX XXXX XXXX : XX/XX/XXXX ( These records are inaccurate on all three reporting bureaus and should be removed immediately. ) DEAL XXXX XXXX XXXX : XXXX XXXX, XXXX ( These records are inaccurate on all three reporting bureaus and should be removed immediately. ) Also Equifax is reporting my credit score XXXX points lower across the other bureaus. - Equifax has a legal obligation to conduct a proper and complete investigation within 30 days of receiving this dispute ( which they have failed to do ). If any of the disputed information can not be verified as accurate, it must be removed, under Section 609 and Section 611 of the FCRA, I request all relevant documentation used to verify these disputed items. If Equifax can not provide proper validation proving the accuracy of the negative items, they must be deleted promptly.

Failure to comply with federal regulations and to ensure the accuracy of my credit report may result in legal action being pursued. I expect a written response confirming the results of your investigation within the legally required time frame. Please find enclosed copies of supporting documents to validate my dispute, including [ list any attachments such as identity documents, credit report copies, correspondence with creditors, etc. ]. 
I appreciate your prompt attention to this matter and expect a resolution without delay. Please confirm receipt of this dispute letter and provide updates regarding the investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-19 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: OH

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX Mountain Flower XXXX My employer is : 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: RI

Complaint narrative:
A few years ago ( XX/XX/XXXX ), I got an email from a financial services company called Chime that referenced something about an account. As I had never done business with this company, I immediately reached out and spoke to a customer service representative that informed me that an account had been opened in my name but they would close it immediately. The same thing happened in XXXX of XXXX. 

Then, last week ( XX/XX/XXXX ), I received in the mail both a credit card and a debit card from Chime. Again, I immediately reached out to customer service and they said that someone had opened an account in my name and requested these cards. They said they would close and flag the account. 

I checked my credit report with both my actual credit card ( XXXX ), as well as accounts I have with XXXX XXXX XXXX. None of them show any suspicious activity. I should also note that I have credit freezes with both XXXX XXXX XXXX. I asked Chime how they were able to open a bank account and credit card in my name if I have credit freezes. They responded that they don't do credit checks. 

They claim that someone has stolen my information, but I find it suspicious on their end as well. Both that I had received emails from them in the past ( which it appears they did not actually fix? ) and that they issued debit and credit cards with no sort of credit/background check. I have had no other issues with fraudulent accounts or my information being used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello. I am writing to request the correction of inaccurate personal information on my credit report. I've noticed that some errors in my report, particularly the incorrect addresses listed, have caused issues with my credit applications, which is extremely frustrating. Please take action on this as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under

FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request. The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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