vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally file a complaint and request the immediate removal of multiple unauthorized hard credit inquiries that have appeared on my credit reports. These inquiries were made without my knowledge, authorization, or consent, and in several cases, they appear to involve incorrect personal information, strongly suggesting identity theft or misuse of my personal data. 

Unauthorized Inquiries Reported 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 XXXXXX/XX/XXXX Legal Basis for Removal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ) : Prohibits credit reporting agencies from including inquiries unless they were authorized by the consumer.

FCRA, 15 U.S.C. 1681i ( a ) : Gives me the right to dispute inaccurate or fraudulent information and requires credit bureaus to investigate and remove unverifiable data.

South Carolina Code of Laws 37-20-170 : Prohibits use of consumer credit information obtained through fraudulent or unauthorized means.

South Carolina Identity Theft Protection Act, 16-13-510 et seq. : Protects against fraudulent use of personal identifying information and requires prompt corrective action.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations, including reporting inquiries under false pretenses.

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 2025-08-28 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: NH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-28 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-08-28 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-28 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-28 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Re : Formal Complaint and Demand for Relief Against Experian Information Solutions , Inc .

To the Consumer Financial Protection Bureau, I hereby submit this formal complaint and demand for relief against Experian Information Solutions , Inc. ( Experian ) for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These violations mirror the very misconduct your Bureau described in its recent lawsuit against Experian for sham investigations of consumer credit report errors ( filed XX/XX/2025 ). 



Summary of Violations in My Case 1. Sham Investigations of My Disputes Despite my repeated disputes with Experian regarding inaccurate accounts on my credit report, Experian failed to conduct reasonable investigations. Instead, Experian truncated the documentation I submitted and forwarded only incomplete information to furnishers. It then uncritically accepted the furnishers responseseven when clearly inconsistent or implausible.

2. Improper Reinsertions After certain inaccurate accounts were deleted following my disputes, Experian wrongfully reinserted the same negative items without proper notice or certification, directly violating FCRA 611 ( a ) ( 5 ).

3. Failure to Provide Clear Results The responses Experian provided to my disputes were vague, misleading, and deprived me of the ability to understand the outcome or pursue further remedies. This practice is materially deceptive under the CFPA.

Legal Basis Experians actions constitute willful and negligent violations of : FCRA, 15 U.S.C. 1681i failure to conduct reasonable reinvestigations ; FCRA, 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy ; FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) unlawful reinsertion of deleted information without proper certification and notice ; CFPA, 12 U.S.C. 5531 & 5536 unfair, deceptive, and abusive acts and practices.

These are the same provisions cited in the CFPBs current enforcement action against Experian.

Damages Suffered As a direct result of Experians misconduct, I have experienced : Denial or delay of credit opportunities ; Higher costs of borrowing due to artificially deflated creditworthiness ; Loss of time and resources spent correcting Experians misconduct ; XXXX XXXX and reputational harm.

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 2025-08-28 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:
Re : Formal Complaint and Demand for Relief Against Experian Information Solutions , Inc .

To the Consumer Financial Protection Bureau, I hereby submit this formal complaint and demand for relief against Experian Information Solutions , Inc. ( Experian ) for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). These violations mirror the very misconduct your Bureau described in its recent lawsuit against Experian for sham investigations of consumer credit report errors ( filed XX/XX/2025 ). 



Summary of Violations in My Case 1. Sham Investigations of My Disputes Despite my repeated disputes with Experian regarding inaccurate accounts on my credit report, Experian failed to conduct reasonable investigations. Instead, Experian truncated the documentation I submitted and forwarded only incomplete information to furnishers. It then uncritically accepted the furnishers responseseven when clearly inconsistent or implausible.

2. Improper Reinsertions After certain inaccurate accounts were deleted following my disputes, Experian wrongfully reinserted the same negative items without proper notice or certification, directly violating FCRA 611 ( a ) ( 5 ).

3. Failure to Provide Clear Results The responses Experian provided to my disputes were vague, misleading, and deprived me of the ability to understand the outcome or pursue further remedies. This practice is materially deceptive under the CFPA.

Legal Basis Experians actions constitute willful and negligent violations of : FCRA, 15 U.S.C. 1681i failure to conduct reasonable reinvestigations ; FCRA, 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure maximum possible accuracy ; FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) unlawful reinsertion of deleted information without proper certification and notice ; CFPA, 12 U.S.C. 5531 & 5536 unfair, deceptive, and abusive acts and practices.

These are the same provisions cited in the CFPBs current enforcement action against Experian.

Damages Suffered As a direct result of Experians misconduct, I have experienced : Denial or delay of credit opportunities ; Higher costs of borrowing due to artificially deflated creditworthiness ; Loss of time and resources spent correcting Experians misconduct ; XXXX XXXX and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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 explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-08-28 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: PR

Complaint narrative:
I reviewed my credit report and noticed accounts still being reported inaccurately. A XXXX XXXX XXXX XXXX auto loan is showing a balance of {$4900.00} with late payments reported in XXXX and XXXX, but no delinquency notices or payment records have ever been produced to support those derogatories. In addition, a XXXX XXXX XXXX account is listed as a paid charge-off with a XXXX balance, yet it continues to be coded with 90-day late notations from XXXX, which is contradictory and misleading. These items remain unresolved from prior disputes and are continuing to harm my credit profile unfairly.

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 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
American Express XXXX XXXX ( XXXX ) has failed to honor its Cardmember Agreement and violated federal consumer law. XXXX assigned Case ID XXXX on XX/XX/year>. XXXX refused to pay required arbitration fees or execute the XXXX Service Agreement, breaching the arbitration clause. 

While arbitration was pending, an XXXX  servicer demanded payment on XX/XX/year>, contrary to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires suspension of collection during an open billing dispute. 

After I filed a Motion for Default on XX/XX/year>, XXXX attempted to transfer administration to XXXX XXXX rather than cure its noncompliance. This frustrated the purpose of arbitration and constitutes an unfair or deceptive act or practice under Title X of the DoddFrank Act. 

Finally, on XX/XX/year>, American Express sent a letter to the CFPB ( CFPB Reference : XXXX ; Ref : XXXX ) stating only that my complaint was forwarded internally and that correspondence would be filed but not responded to. This type of response is frivolous and empty, provides no consumer relief, and is not the type of substantive resolution Congress envisioned under the Dodd-Frank Act.

Public Narrative ( for consumerfinance.gov ) American Express XXXX XXXX refused to honor its arbitration agreement and continued collection during an active billing dispute. Im seeking enforcement of the agreement and compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, JPMorgan Chase Bank closed my Chase credit card account without prior notice or a clear explanation. At the time of closure, I had approximately XXXX rewards points accumulated on the account. 

When I contacted Chase, I was informed that I am not allowed to redeem or transfer these points, effectively causing me to lose their entire value. On XX/XX/year>, I again called Chase customer service, and they confirmed that nothing can be done regarding the closure or recovery of my points. 

Chase also stated that they had sent me a notice by mail in XX/XX/year>, but I never received this letter. As a result, I had no knowledge that my account would be closed and no opportunity to redeem my points before the closure. 

I believe this is unfair, as I earned these points through legitimate spending, and I was not provided a fair chance to use them prior to closure. This has caused financial harm, since the points represent a material value. 

What I am requesting : A detailed written explanation for the account closure. 

Restoration of my XXXX rewards points or equivalent compensation. 

Correction of any negative impact on my credit reports related to this closure. 

This sudden closure, combined with forfeiture of rewards and lack of effective notice, is unfair and lacks transparency. I am seeking CFPB assistance to ensure fair treatment and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

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 REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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