vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: NC

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
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
On XX/XX/2025 I used my American Express Platinum Card to pay for a hotel reservation through XXXX  ( confirmation # XXXX, dates XXXX XXXX in the amount of {$3200.00}. 

Unfortunately, I discovered that the reservation was made in the wrong city. I contacted XXXX right away to cancel, but the merchant explicitly refused to cancel or refund the charge. I have screenshots of their refusal to cancel or refund despite the fact that I asked to cancel, never checked in and received no services. 

I then filed a dispute with American Express, providing this documentation. However, Amex denied my dispute in favor of the merchant because I did not check in. I believe this was unfair because the merchant kept my full payment despite no service being rendered. Per XXXX 's policy, if you cancel less than 14 days before arrival, which I attempted to, the cancellation fee will be 50 % of the total price. I am not requesting a full refund, I am simply seeking that 50 % back as restitution. 

What I am seeking : I am requesting that American Express reconsider this dispute and issue the 50 % cancellation refund of {$1600.00}. 

Supporting documentation attached : XXXX Confirmation XXXX confirmation showing reservation details, dates, and total amount charged to my Amex Platinum card.

Merchant Refusal Screenshot Screenshots of XXXX Merchant explicitly refusing to cancel or refund the reservation, despite request made prior to check-in in accordance with their policy, no check-in and no services being rendered. 

Amex Dispute Denial Letter Letter from American Express denying my dispute in favor of the merchant, despite evidence of merchant refusal to provide service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: OH

Complaint narrative:
Would you take a moment to check this entry? Its delayed and possibly incorrect.

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 2025-10-29 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:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-10-29 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: TN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
I am disputing the XXXX XXXX  account currently being reported as a charge-off. XXXX continues to furnish this account as a charge-off every month, which is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ). 

A charge-off is a one-time accounting event, not a recurring monthly status. By reporting charge-off each month, XXXX is falsely re-aging the debt and creating the appearance of continuous delinquency, which damages my credit standing. 

This practice violates : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibiting the furnishing of information known to be inaccurate FCRA 607 ( b ) : Requiring maximum possible accuracy FCRA 605 ( a ) : Limiting the reporting period for derogatory information Because XXXX has repeatedly furnished false and misleading information, I am demanding the immediate deletion of the entire XXXX XXXX  account from all credit reporting agencies. This account has been inaccurately reported and continues to cause ongoing harm. 

Please investigate this violation, delete the account entirely, and provide written confirmation of your actions.

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 2025-10-29 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: CO

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without 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 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I initiated a XXXX standard transfer of {$310.00}. 
The transfer never reached my checking account, and the transfer is still showing as pending. I have now contacted XXXX 3 times. Im only able to speak with a XXXX representative, who in turn files a dispute, with a separate department or third party. Im unable to speak with this 3rd party and apparently neither can the representative. Each dispute response I get back is a dispute denial. The customer support people tell me that the transfer was cancelled and they tell me that it was a problem on XXXX side. Somehow the transfer was deemed as cancelled, but my {$310.00} has disappeared, they took the {$310.00}, my XXXX balance went from {$310.00} to XXXX, but it was never sent to my bank. Each time I talk with a XXXX representative they are able to see that the transfer was somehow cancelled but the {$310.00} was never returned to my XXXX balance. But after a day or XXXX, i get an email back with a denial. There is a complete disconnect between the XXXX representative and the party that denies the dispute. This is beyond maddening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
My credit reports and/or consumer reports are showing as having credit freezes, when there are no credit freezes ; showing multiple names and multiple addresses while not allowing me to update ; and experian and possibly some other consumer reporting agency has my data and misusing, causing me to be blocked from employment opportunities, loan and refinance opportunities. I get technical errors on websites when trying to sign up. It feels like someone is trying ban me under the radar on some social credit dystopian stuff because it has never been this difficult to access my own information, let alone speak to a customer service human. XXXX XXXX XXXX were helpful and i was able to access/update my information. But experian has massive internal issues affecting the creditworthiness and livelihood of im sure more Americans than just me. I am unable to be identified ( due to something in the system ) and this severely disrupts employment opportunities and borrowing options.

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 2025-10-29 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:
Please verify the submitted files ; the inquiries showed up unannounced and might not be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-29 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: WV

Complaint narrative:
I am filing this complaint because [ Experian XXXX XXXX XXXX XXXX ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX confirmed all objectively verifiable inaccuracies must be corrected ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) held no entity is immune from FCRA liability ; and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXesulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-10-29 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:
On XX/XX/year>, I submitted a request to Experian to block specific accounts on my credit report, alleging fraudulent origination due to identity theft. Experian formally acknowledged this request on XX/XX/year>, and communicated its decision to block the negative information as requested. Subsequently, the previously blocked negative information was reinserted onto my credit report without prior notification which may constitute a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Concurrently, TransUnion and Equifax failed to respond to my similar requests and provided no correspondence regarding the disputed accounts. Comprehensive documentation supporting the claim was provided to all credit reporting agencies, consistent with the requirements of 15 U.S.C. 1681c-2 ( 605b ), including, but not limited to, a copy of the consumer 's driver 's license, a utility bill, an official identity theft report, a police report, and a detailed communication specifying the accounts to be blocked, inclusive of account numbers and balances, as explicitly requested by Experian, Equifax, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
On XX/XX/year>, I submitted a request to Experian to block specific accounts on my credit report, alleging fraudulent origination due to identity theft. Experian formally acknowledged this request on XX/XX/year>, and communicated its decision to block the negative information as requested. Subsequently, the previously blocked negative information was reinserted onto my credit report without prior notification which may constitute a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Concurrently, TransUnion and Equifax failed to respond to my similar requests and provided no correspondence regarding the disputed accounts. Comprehensive documentation supporting the claim was provided to all credit reporting agencies, consistent with the requirements of 15 U.S.C. 1681c-2 ( 605b ), including, but not limited to, a copy of the consumer 's driver 's license, a utility bill, an official identity theft report, a police report, and a detailed communication specifying the accounts to be blocked, inclusive of account numbers and balances, as explicitly requested by Experian, Equifax, and TransUnion.

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 2025-10-29 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: OH

Complaint narrative:
I am unconnected to these accounts ; please delete them within 15 days following USC 1681g.

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 2025-10-29 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: VA

Complaint narrative:
In XX/XX/year>, XXXXXXXX XXXX XXXXXXXX incorrectly reported my mortgage account as XXXX  days late. I made my mortgage payment on time, and I have proof from my bank showing the payment cleared. 

What happened is that my bank temporarily flagged the transaction as potential fraud because I have another mortgage payment that also comes out around the same time. I confirmed with the bank that both payments were authorized, and they released the funds. The payment successfully went through to XXXX. 

Despite this, XXXX continued to report my payment as XXXX  days late to the credit bureaus. I have already contacted XXXX and provided proof of payment from my bank showing the transaction cleared in XXXX, but they have not corrected the error. 

This inaccurate reporting is harming my credit, and I am requesting that XXXX and the credit bureaus immediately remove the XXXX late mark from my credit report and correct the record to show an on-time payment.

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 2025-10-29 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: VA

Complaint narrative:
In XX/XX/year>, XXXX XXXX  XXXX incorrectly reported my mortgage account as XXXX  days late. I made my mortgage payment on time, and I have proof from my bank showing the payment cleared. 

What happened is that my bank temporarily flagged the transaction as potential fraud because I have another mortgage payment that also comes out around the same time. I confirmed with the bank that both payments were authorized, and they released the funds. The payment successfully went through to XXXX. 

Despite this, XXXX continued to report my payment as XXXX  days late to the credit bureaus. I have already contacted XXXX and provided proof of payment from my bank showing the transaction cleared in XXXX, but they have not corrected the error. 

This inaccurate reporting is harming my credit, and I am requesting that XXXX and the credit bureaus immediately remove the XXXX late mark from my credit report and correct the record to show an on-time payment.

Company response to consumer: Closed with non-monetary relief