vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Having many issues with Equifax while attempting to use the unfreezing mechanic on the website. I am unable to login, so I attempt to sign in with the " need help signing in? '' where it prompts me to fill out various information such as the following : ssn, address, email, D.O.B., and so on and so forth. 

EVERY SINGLE TIME I fill out this form and submit it, it will come back as " We are temporarily unable to complete this request. 
Please try again later. '' Doing a quick XXXX search, this issue is happening to MANY people and for an upwards of XXXX years now. I just got off the phone with Equifax and the customer service was poor, even disconnecting multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) 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 XXXX XXXX XXXXXXXX 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 ( XXXX ) 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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
My wife and I opened separate American Express Delta Gold cards around XX/XX/year> in response to an online promotion. 
I then set up Auto Pay on my Amex card so Amex draws payment from my bank checking account when the bill is due. This set up was successful. 
My wife and I have 5 other credit cards that I have auto pay and I pay off the entire amount due every month so I don't have to incur interest. I have this set up for over 10 years. 
I then sat in front of the computer with my wife to teach her how to set up Auto pay on her Amex card. It appeared to successfully set up. In a separate transaction while I was sitting with her, we made an advance payment on her card. that was also successful. 
When we received my wife 's statement, Amex charged her {$22.00} interest bc the Auto pay did not work. Amex said it had no evidence on its computer system that we tried to set up auto pay and therefore could not reverse the interest. I told them the evidence is my wife and I sat in front of the computer together and set up auto Pay. I told them there was probably a glitch in their computer. 3 representatives said they could not do anything and we had to write a letter to corporate HQ and I know they will not respond and hope that we will go away by making it very difficult for us. 
Amex is the only credit card company that does this. Our other credit card companies always resolve the problem through phone calls with representatives. 
I think something very shady is going on with Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
When I looked at my credit report this morning, I found some incorrect accounts and couldnt understand how they appeared. I regularly check my credit, and this time, I noticed unfamiliar discrepancies. Thinking it was a temporary glitch, I refreshed my browser, but the errors remained. Im requesting a detailed review of the documents Ive sent to make sure this issue is fully addressed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-20 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: KY

Complaint narrative:
I am requesting the complete removal of a charged-off account from XXXX XXXX XXXX  ( opened XX/XX/XXXX, closed XX/XX/XXXX ) due to multiple serious inaccuracies across all three credit bureaus. 
1. The account is reporting a balance and high utilization well after closure. 
The account was closed in XX/XX/XXXX, yet it is still being reported as if it is open and carrying a balance as of XXXX. This results in a 146 % utilization ratio, which is inaccurate and damaging to my credit profile. 
2. The reported past due status is factually impossible. 
The last payment on this account was made in XX/XX/XXXX. Despite this, the account is showing as past due in XXXX, XXXX, XXXX, and XXXX. This is inaccurate and misleading since the account was closed and charged off years earlier. 
3. Contradictory information exists between bureaus. 
TransUnion lists a high balance of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, long after the closure date. Experian notes invalid dates and a reinvestigation as of XX/XX/XXXX, but the charge-off continues to report inaccurately. XXXX XXXX shows late payments for months and years after the account was no longer active. 
4. Re-aging and unfair extended reporting. 
The original delinquency began in early XXXX, and the account was charged off by XX/XX/XXXX, yet the current status shows it as recently updated and active in XXXX. This suggests the account may be illegally re-aged to prolong its presence on my report. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate, complete, and verifiable information. I have disputed this multiple times, and the reporting has not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am requesting the complete removal of a charged-off account from XXXX XXXX XXXX  ( opened XX/XX/XXXX, closed XX/XX/XXXX ) due to multiple serious inaccuracies across all three credit bureaus. 
1. The account is reporting a balance and high utilization well after closure. 
The account was closed in XX/XX/XXXX, yet it is still being reported as if it is open and carrying a balance as of XXXX. This results in a 146 % utilization ratio, which is inaccurate and damaging to my credit profile. 
2. The reported past due status is factually impossible. 
The last payment on this account was made in XX/XX/XXXX. Despite this, the account is showing as past due in XXXX, XXXX, XXXX, and XXXX. This is inaccurate and misleading since the account was closed and charged off years earlier. 
3. Contradictory information exists between bureaus. 
TransUnion lists a high balance of {$1000.00} from XX/XX/XXXX to XX/XX/XXXX, long after the closure date. Experian notes invalid dates and a reinvestigation as of XX/XX/XXXX, but the charge-off continues to report inaccurately. XXXX XXXX shows late payments for months and years after the account was no longer active. 
4. Re-aging and unfair extended reporting. 
The original delinquency began in early XXXX, and the account was charged off by XX/XX/XXXX, yet the current status shows it as recently updated and active in XXXX. This suggests the account may be illegally re-aged to prolong its presence on my report. 

These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate, complete, and verifiable information. I have disputed this multiple times, and the reporting has not been corrected.

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 2025-05-21 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: CO

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
Company BLOCK I have no idea what it even is but I was on the XXXX website and it says this company owes me money my XXXX  name is XXXX it has been XXXX since XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because Experian is reporting several inaccurate items on my credit report and did not correct them despite my dispute. These errors involve incorrect personal identifying information, collection accounts that do not belong to me, and unauthorized credit inquiries. 

Personal Information Errors : Experians report shows an incorrect name and outdated addresses. It lists an alternate name XXXX XXXX which is not my full legal name ( I am XXXX XXXX XXXX ). It also displays old addresses, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX and XXXX XXXX XXXX, XXXX, MI XXXX, which are no longer my residences. This personal information is inaccurate. Experian is required under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy of my file, so these false name/address entries should have been removed. 

Disputed Accounts : Experian is reporting collection accounts that I do not recognize or owe. One is XXXX XXXX ( Acct No. ending XXXX ), reported with a ~ {$780.00} balance ( opened around XX/XX/XXXX ), and another is XXXX XXXX XXXX ( Acct No. ending XXXX ) for {$1300.00} ( opened XX/XX/XXXX ). I have no knowledge of these debts and never received validation of them. They appear to be erroneous entries on my report. Under FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any disputed information that can not be verified must be deleted. I disputed these accounts, yet Experian has not removed them. 

Unauthorized Inquiries : My Experian report also lists hard inquiries that I did not authorize. Specifically, there is a XXXX XXXX inquiry dated XX/XX/XXXX and a XXXX XXXX inquiry dated XX/XX/XXXX. I did not apply for credit with XXXX XXXX ( XXXX card services ) or XXXX XXXX on those dates. Since no credit was granted or even sought by me at those times, these inquiries had no permissible purpose under the FCRA ( 15 U.S.C. 1681b ) and should be deleted as unauthorized.

By failing to promptly delete or correct these inaccuracies, Experian is violating the FCRA. The presence of incorrect personal data and bogus accounts indicates Experian did not ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Not removing the unverified accounts and unauthorized inquiries after my dispute breaches Experians reinvestigation duties ( 15 U.S.C. 1681i ). Additionally, the furnishers of these accounts are not fulfilling their duty to report truthful information ( 15 U.S.C. 1681s-2 ), and Experians continued reporting of their faulty data is unacceptable. I request that Experian delete all unverifiable or inaccurate information from my credit file as required by FCRA 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ).

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally file a complaint against XXXX XXXX XXXX and the credit reporting agencies XXXX, Experian, and XXXX for their ongoing failure to properly investigate and remove inaccurate and unverifiable information from my credit report. 

Nearly XXXX months ago, a debt that I do not recognize or owe, and I requested validation in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) and the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ). Despite my repeated requests for proof, the only response I have received from the creditor is a generic account summary, which does not meet the legal requirements for verification under federal law. 

According to the Truth in Lending Act, I am entitled to receive a complete and itemized breakdown of the alleged debt, including the original contract bearing my signature. A summary or printout does not fulfill the requirement for validating a debt. 

Furthermore, under 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, if the debt can not be validated, it must be promptly deleted from my credit report. This has not been done, and as a result, I am experiencing ongoing harm to my credit and financial opportunities. 

I respectfully request the CFPB to investigate this matter and ensure that : The furnisher of the information is required to provide actual documentation proving the validity of the debt. 
If such documentation can not be produced, the item is immediately removed from all of my credit reports. 
Any violations of FCRA or XXXX by the creditor or credit bureaus are addressed with appropriate regulatory action.

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