vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am an American Express cardholder. Ive been unable to update or change my payment method ( e.g., bank account or autopay details ) through the online account or mobile app. The only option provided is to call customer service. Each time I call, I am placed on hold for XXXX minutes, which is extremely inconvenient and inefficient. 

Ive asked for a more accessible way to manage payment methods, but no online or secure message option is available. This creates unnecessary hardship in managing my account, especially when trying to avoid late payments or update billing info for security reasons.

Im requesting that American Express provide a secure, customer-friendly way to manage payment methods without excessive wait times. This is an accessibility and customer service issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
I am filing this complaint because credit reporting agency Transunion, are reporting inaccurate, inconsistent, or unverifiable information regarding several closed and charged-off accounts. I submitted formal disputes to the bureaus identifying specific errorssuch as incorrect dates of last payment, conflicting account statuses, and discrepancies in balance reportingbut they failed to provide proper investigation or documentation verifying the accuracy of these items, in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2 ( b ). I am requesting that these accounts be properly verified with supporting documentation or removed from my credit file entirely.

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 2025-08-07 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: CA

Complaint narrative:
These accounts appear to be fraudulent and do not belong to me. I ask that you investigate and remove them from my credit profile. Supporting documents are attached.

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 2025-08-08 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent fraudulent inquiries off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2025-08-07 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-08-07 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:
Despite my formal request for reinvestigation, including clear documentation and specific details, I have not received a satisfactory or legally compliant response from your office. 

To date, I have yet to receive : Verification documentation substantiating the accuracy of the disputed accounts The name and contact details of the furnisher ( XXXX ) that verified the information A description of the procedures used in your reinvestigation Furthermore, I request that you ensure all personal identifying information reported on my credit file is correct and up to date. Specifically : My full legal name should be listed as : XXXX XXXX XXXX My only and correct current address is : XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
Despite my formal request for reinvestigation, including clear documentation and specific details, I have not received a satisfactory or legally compliant response from your office. 

To date, I have yet to receive : Verification documentation substantiating the accuracy of the disputed accounts The name and contact details of the furnisher ( XXXX ) that verified the information A description of the procedures used in your reinvestigation Furthermore, I request that you ensure all personal identifying information reported on my credit file is correct and up to date. Specifically : My full legal name should be listed as : XXXX XXXX XXXX My only and correct current address is : XXXX XXXX XXXX XXXX XXXX, TX 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-08 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: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I do not recognize the negative accounts appearing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am disputing the reporting and collection of a XXXX XXXX XXXX issued in XXXX by XXXX XXXX. I was never notified of this debt, never contacted for repayment prior to default, and only became aware of it in XXXX after it was reported to credit agencies. This loan was not validated prior to reporting, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The Department of Education has acknowledged in writing that the debt was transferred to its Default Resolution Group ( DRG ) in XX/XX/XXXX. However, no notice of delinquency or default was ever issued to me by the original servicer or the XXXX prior to reporting. I did not receive billing statements, disclosures, or validation of the debt. I requested full documentation, and to date, no promissory note or accurate payment history has been received... only generalized statements. 

Reporting a federally defaulted loan without proper validation or notice violates consumer protection laws. I respectfully request immediate review, as this item is negatively impacting my credit and was reported without full legal compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
I am writing to formally dispute the fraudulent auto loan account reported on my credit file by XXXX XXXX XXXX. This account, with a reported balance of {$18000.00} and noted as closed on XX/XX/XXXX, is not mine. As documented in my official Identity Theft Report ( FTC Report # XXXX ), I am a victim of identity theft. This account originated in XX/XX/XXXX and was discovered as fraudulent in XX/XX/XXXX. 

I have made every effort to resolve this matter, including submitting my Identity Theft Report and supporting documentation to XXXX XXXX XXXX. However, they continue to reinsert this fraudulent account onto my credit reports, despite being made fully aware that this is a case of identity theft and not my legitimate debt. 

This conduct is in direct violation of my rights under federal law, including but not limited to : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block 15 U.S. Code 6802 : Protection of Nonpublic Personal Information 15 U.S. Code 1681s-2 ( a ) ( 6 ) : Duty to Report Accurate Information UCC 3-501 : Demand for Proof of Obligation 15 U.S. Code 1692c ( c ) : Cease and Desist Communications In accordance with FCRA 605B, I am demanding the immediate blocking and permanent removal of this account from all three of my credit reports. You are required by law to block such information within four business days of receiving appropriate documentation.

Enclosed with this letter are : A copy of my government-issued ID Proof of address The official FTC Identity Theft Report A copy of the fraudulent account entry from my credit report I expect written confirmation that this fraudulent account has been fully and permanently removed. Failure to comply will result in further action, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and potential legal recourse.

This is fraud, and I do not owe this debt. I demand your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Without Prejudice

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 2025-08-07 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:
I recently found that someone has been making a lot of inquiries whitout my consent. This has had a very negative impact on my report and i need EQUIFAX to fix this in order to be back again in control of my credit life. These are the mentioned inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXX XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXXXXXX XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX. XXXX XXXX XXXX inquired on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXX XXXX inquired on XX/XX/XXXX. XXXX XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX. XXXX inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This morning, I discovered inaccurate accounts listed on my credit report and Im unsure why they appeared. I reviewed my report as I routinely do, but this time I noticed unexpected discrepancies. I even refreshed my browser to rule out any glitches, but the errors remained. Im requesting that the documents Ive submitted be carefully reviewed to ensure this issue is properly resolved and doesnt cause me further concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
There is no reason why an unauthorized inquiry should be on my credit report, and seeing it this morning was extremely upsetting. I checked as I normally do, only to find this glaring issue. I refreshed my browser multiple times to make sure it wasnt a system errorbut its clearly not. Please review the documents I provided without delay, as I am very frustrated and want this resolved right now.

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 2025-08-07 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX CO XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I refinanced a personal loan with the same lender ( SoFi ) in XX/XX/year>, resulting in a new loan with a monthly payment of {$1000.00}. At the time of loan disbursement, I enrolled in autopay and updated my bank account information prior to the first payment due in XX/XX/year>. 

Despite these steps, SoFi increased my monthly payment to over {$1000.00}, stating that the loan had been reamortized due to a temporary autopay cancellation. According to SoFi, the autopay was only paused for one day, yet they claim this triggered a permanent change to the loan amortization schedule, increasing all future payments.

I was not notified of this change at the time. The first two payments ( XXXX and XXXX ) were processed at the original {$1000.00} amount without issue. However, the XXXX payment reflected the higher amount. Despite no late payments or other account issues, SoFi has refused to reinstate the original payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
I was devastated to find multiple accounts that I never opened, do not recognize, and have absolutely no connection to. These accounts are entirely unfamiliar to me, and their presence has left me overwhelmed with anxiety and fear. It is deeply troubling and strongly indicates that I XXXX have fallen victim to identity theft. The emotional toll this situation has taken is immense, as I grapple with the violation of my personal and financial security. Below are the fraudulent accounts that have appeared on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-07 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief