vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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:
Dear CFPB, I am filing a formal complaint against Experian, XXXX, and XXXX for failure to correct inaccurate information on my credit report despite numerous dispute requests. 

I have provided sufficient proof that the following items on my report are inaccurate or unverifiable : Late Payments : The bureaus have failed to validate or remove inaccurate late payments from XXXX XXXX  XXXX ( Account # XXXX ). 

Hard Inquiries : The following hard inquiries remain on my report despite my request for removal under FCRA XXXX XXXX. XXXX : XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX ) Closed Accounts : Unverified closed accounts continue to report incorrect information, violating FCRA XXXX XXXX. XXXX : XXXX XXXXXXXX XXXX XXXX ( Closed, Account # XXXX ) XXXX  ( Closed, Account # XXXX ) XXXX XXXX XXXX ( Closed, Account # XXXX ) Incorrect Address Information : I have requested removal of past addresses multiple times, yet they remain on my report. The only correct address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX. 

Under XXXX XXXX. XXXX ( b ), credit bureaus are required to investigate and correct errors within XXXX  days. They have failed to do so, negatively impacting my credit score and financial opportunities. 

I request that the CFPB initiate an investigation and hold the credit bureaus accountable for their noncompliance. Please advise on the next steps to ensure my rights are upheld. 

Sincerely, XXXX XXXX Last XXXX of social : XXXX DOB : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

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 2025-02-17 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: FL

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
I recently looked at my credit report XX/XX/XXXX. I saw hard inquires that did not have permissible purpose. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 2. ( XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 3. ( Trom/Milestone XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b

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 2025-02-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently looked at my credit report XX/XX/XXXX. I saw hard inquires that did not have permissible purpose. 

XXXX. ( XXXX XXXX XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 2. ( XXXX XXXX XXXX XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b 3. ( Trom/Milestone XX/XX/XXXX ) This inquiry has no permissible purpose to be on my credit report. Delete this inquiry due to violation of 15 UCS 168 1b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX2025, I requested a balance transfer from my XXXX XXXX credit card in the amount of {$1200.00}. [ XXXX XXXX dollars only ] to my Discover credit card. Per my XXXX XXXX credit card statement dated XXXX XXXX, 2024, my new balance was {$1200.00}. But my XXXX XXXX credit card statement dated XX/XX/XXXX2025, on the XXXX page it shows that the electronic payment made by Discover card to XXXX XXXX card was for {$1800.00}! that is {$600.00} over what it supposed to be transferred to the Discover card.I contacted both financial institutions to resolve the problem on XX/XX/XXXX and XXXXXXXX XXXX, XXXX XXXX offered a refund then sent a letter declining the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NC

Complaint narrative:
I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter. 

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity.

2. Address Update : My current residential address is : XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, Equifax is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Accounts older than 7 years are on my report for trans union and equi fax that say they are closed but are still reported and also most are fraud from my information being stolen and used Ive reported this several times and no resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: MO

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-02-17 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove

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 2025-02-17 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: WI

Complaint narrative:
XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] ( XXXX ] [ XXXX ] [ Date XX/XX/year> Equifax Legal [ XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax legal I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report : Under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX Amount Opened : XX/XX/XXXX Account name : XXXX Card Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/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 2025-02-17 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: AL

Complaint narrative:
I BELIEVE THAT THIS LETTER WILL FIND YOU WELL. I AM HAVING MAJOR ISSUES WITH FINDING INACCURATE/ INVALIDATED ACCOUNTS AFTER CAREFULLY PULLING MY CREDIT REPORT FROM YOUR AGENCY. I HAVE NO KNOWLEDGE OF THESE ITEMS OR INACCURATE INFORMATION AS MY INFORMATION WAS IMPACTED BY THE NATIONAL PUBLIC DATA SOCIAL SECURITY DATA BREACH AND HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON. I HAVE SOLID PROOF THE BREACH CAUSED THESE FALSE ITEMS TO APPERA ON MY CREDIT REPORT. YOU ARE REPORTING NEGLIGENTLY AND INACCURATELY AND FALING TO COMPLY TO THE FCRA. I DEMAND THAT THESE ITEMS BE DELETED IMMEDIATELY AND UPDATED. I ALSO DEMAND THAT YOU SEND ME A CREDIT REPORT WITH UPDATED CHANGES WITHIN 30 DAYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
I BELIEVE THAT THIS LETTER WILL FIND YOU WELL. I AM HAVING MAJOR ISSUES WITH FINDING INACCURATE/ INVALIDATED ACCOUNTS AFTER CAREFULLY PULLING MY CREDIT REPORT FROM YOUR AGENCY. I HAVE NO KNOWLEDGE OF THESE ITEMS OR INACCURATE INFORMATION AS MY INFORMATION WAS IMPACTED BY THE XXXX XXXX XXXX SOCIAL SECURITY DATA BREACH AND HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON. I HAVE SOLID PROOF THE BREACH CAUSED THESE FALSE ITEMS TO APPERA ON MY CREDIT REPORT. YOU ARE REPORTING NEGLIGENTLY AND INACCURATELY AND FALING TO COMPLY TO THE FCRA. I DEMAND THAT THESE ITEMS BE DELETED IMMEDIATELY AND UPDATED. I ALSO DEMAND THAT YOU SEND ME A CREDIT REPORT WITH UPDATED CHANGES WITHIN 30 DAYS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint about what I believe to be predatory lending practices by American Express . My experience with the company has been deeply troubling, and I feel that their lack of transparency and misleading communication regarding the terms of their charge card has had a significantly negative impact on my financial situation. 
I was issued an American Express Gold Card with the understanding that I could make purchases up to my available credit limit and pay them off monthly. At no point during the application process or while discussing the terms of the card did American Express clearly disclose that the charge card requires the balance to be paid in full each month, as opposed to simply making minimum payments like a traditional credit card. 
One of the most egregious aspects of my experience was when I made a significant purchase for {$50000.00}, based on American Express 's communication that as long as I made payments at the end of the month, I could continue making purchases of that size. However, American Express did not make it clear that the {$50000.00} charge needed to be paid in full at the end of the month. I was under the impression that, like a regular credit card, I could make payments based on my balance over time. 
This lack of clarity led to an unexpected and drastic drop in my credit score as I was unable to pay the full balance immediately, which caused my Amex Gold account to go from being in good standing to nearly nothing within a month or two. The companys failure to disclose the full terms of the charge card, including the requirement to pay off the balance in full each month, seems not only misleading but predatory.

American Express 's actions have had severe financial consequences for me, and I feel that their practices are deceptive, targeting customers who are unaware of the specific conditions tied to the charge card. I request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to protect consumers from such deceptive and predatory practices.

I look forward to your prompt attention to this matter. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for further information or clarification regarding my experience.

Thank you for your time and consideration.

Sincerely, [ Your Full Name ] Feel free to personalize and adjust any details. This letter should clearly communicate your complaint while also calling

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: FL

Complaint narrative:
I recently went through my report and found some inquiries from various creditors that I did not approve. This raises concerns for me, as they could be related to identity theft or fraud. I would appreciate it if you could look into these inquiries and remove them from my credit report if they can't be confirmed as authorized. I've included my letter to the Bureaus, yet these inquiries still appeared on my current report.

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 2025-02-17 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-17 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief