vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX  on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is shown in collection also showing late payment history on Equifax only Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is showing late payment history on Experian only which is being inconsistently reported among the national credit bureaus .

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 2025-05-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-05-27 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the 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, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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 2025-05-27 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-27 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: WV

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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 credit report and found inaccurate information regarding an account that I believe is being reported incorrectly. 

Specifically, the report shows two late payments for this accountone in XX/XX/XXXX and another in XX/XX/XXXX. However, I made both of these payments on time. This reporting is not only incorrect but also damaging to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the information they provide is accurate and up to date. I have attached a copy of my credit report for reference, highlighting the inaccuracies. 

I respectfully request a thorough investigation into this account and that the payment history be corrected to reflect on-time payments for the months of XX/XX/XXXX and XX/XX/XXXX. Please update my report accordingly and confirm once the changes have been made. 

Thank you for your attention to this matter.

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 2025-05-27 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:
I reviewed my credit report and found inaccurate information regarding an account that I believe is being reported incorrectly. 

Specifically, the report shows two late payments for this accountone in XX/XX/XXXX and another in XX/XX/XXXX. However, I made both of these payments on time. This reporting is not only incorrect but also damaging to my credit standing. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the information they provide is accurate and up to date. I have attached a copy of my credit report for reference, highlighting the inaccuracies. 

I respectfully request a thorough investigation into this account and that the payment history be corrected to reflect on-time payments for the months of XX/XX/XXXX and XX/XX/XXXX. Please update my report accordingly and confirm once the changes have been made. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-27 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting.

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 2025-05-27 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 am writing to formally dispute the inaccurate and fraudulent information that appears in my credit report. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., and as per the XXXX XXXX reporting guidelines, I am requesting the immediate removal of the following erroneous items : XXXX XXXX XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$890.00} DEPARTMENT OF DEFENSE XXXX XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$280.00} FXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XX/XX/XXXX {$210.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NV

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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
# XXXX. Date : XX/XX/XXXX Amount : {$130.00} Original Creditor : XXXX XXXX Debt Collector : Radius Global Solutions # XXXX. Date : XX/XX/XXXX Amount : {$1800.00} Original Creditor : XXXX XXXX Debt Collector : Radius Global Solutions I have no knowledge of these accounts. The name and address are not mine, is pretty simple to correct this please help ASAP. Since XX/XX/XXXX Ive tried a dispute with credit companies, and nothing has been solved. Tried with XXXX XXXX ( original 's creditor ) and didnt give me enough information, they dont even have services on the city I live. The debt collector couldnt solve it either except for admitting name and address dont match, in a way accepting that the accounts are not mine. My payments have been made perfect with every credit companies, which in a way indicates this is a fraud. 
Thank You

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 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2025, I attempted to book a hotel through the American Express Travel website using my Amex Platinum credit card. I noticed that the price listed on Amex Travel was significantly higher than the market rate for the same hotel and room type. To take advantage of Amexs Lowest Hotel Rate Guarantee, I contacted the Amex Travel Concierge. 

The concierge advised me that to be eligible for the guarantee, I would need to book the hotel either through him or directly on the Amex Travel website. I provided him with my full name and the exact room type I wanted. However, the agent made two critical errors : 1 ) He booked the wrong room type. 
2 ) He booked the reservation under the wrong name. 

When I received the itinerary, I immediately noticed the discrepancies. The agent initially insisted that everything was correct until I showed him the confirmation details. At that point, he admitted the mistake and told me that, because the booking was under the wrong name and room type, I was no longer eligible for the Lowest Price Guarantee. 

To resolve the issue, the agent said he would : 1 ) Open a complaint case on himself so the company could investigate and refund the incorrect booking. 
2 ) Make a new, correct booking for me. 

However, I was subsequently charged twice once for the incorrect booking and once for the corrected one. No investigation case was ever opened, and I have received no refund or follow-up. I now feel that I have been misled and potentially scammed by the agent and the process. I have contacted American Express multiple times, but the issue remains unresolved. 

This experience has caused significant frustration, stress, and emotional distress. I feel misled and unsupported by a company that promotes premium service and consumer protection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Chainlink Services LLC
State: TN

Complaint narrative:
A collection agency contacted me about a debt they claimed I owed to XXXX. Before they ever sent me proper verification, they contacted my family members multiple times including early in the morning and asked them for information such as where I work. This caused confusion and stress for my family and was embarrassing. They also provided a case number and company name, which clearly implied the purpose of the calls. 

They began calling my family after only XXXX call attempt to me, even though I later left them a voicemail requesting that they stop contacting others and reply directly to me about who is calling. Despite that voicemail, they called my family ( parents and sibling ) again the very next day, doing this multiple time.. 

I eventually spoke with them and asked for proper verification of the debt. They then sent a follow-up email, but again, only after multiple improper XXXX-party contacts. 

I have also been informed they asked my family for my employment address or location, even though I had not authorized any such communication. They actually asked my relatives for more info than they were initially requesting from me. 

I believe these actions violate the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding third-party contact and the failure to wait for my direct response before contacting others. 

I have requested, yet again and via email this time, that all communication from now on be directed only to me and that they cease contact with any XXXX parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CO

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-27 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: CO

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 2025-05-27 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: NV

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 non-monetary relief