vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: NE

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I discovered that multiple fraudulent accounts and inquiries had been added to my credit report, including a XXXX XXXX XXXXXXXX account and an American Express account that I did not authorize, open, or apply for. This is a clear case of identity theft. 

I immediately filed : A police report documenting the identity theft, A formal FTC Identity Theft Report, and Dispute letters with Experian, XXXX XXXX XXXX, and American Express, attaching the supporting evidence. 

Experian initially acknowledged the dispute and removed some of the fraudulent items. However, without notice or new investigation, Experian later reinserted the disputed accounts back onto my credit file, which is a direct violation of the Fair Credit Reporting Act ( FCRA ) specifically, 611 ( a ) ( 5 ) ( B ), which prohibits reinserting information without notifying the consumer in writing within XXXX business days. 

XXXX XXXX XXXXXXXX and American Express have both failed to conduct reasonable investigations or remove these fraudulent accounts, despite having received : My FTC and police reports, Signed dispute affidavits, Notices of ongoing fraud and impersonation, and Evidence of prior identity theft. 

The reappearance of these accounts is damaging my credit score, blocking legitimate credit applications, and creating emotional and financial distress. I have not authorized these accounts, have no contract with these companies, and have never consented to their placement on my report.

I have now attempted multiple rounds of dispute directly with all parties involved. I am filing this CFPB complaint as a last resort after their continued non-compliance, negligence, and apparent FCRA violations.

I am formally requesting : 1. Immediate removal and suppression of all fraudulent accounts.

2. A full reinvestigation of my disputes, respecting the federal evidence submitted.

3. Written confirmation that the fraudulent data will not reappear without verifiable validation. 
XXXX. Referral to compliance/legal teams at XXXX XXXX XXXX XXXXXXXX XXXX and Amex for follow-up.

5. Compensation or formal review if any economic harm or credit denials have occurred due to this mishandling.

If this matter is not resolved swiftly, I will escalate with the Office of the Comptroller of the Currency ( OCC ), state Attorney General, and legal counsel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-03 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
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.

Please delete the following accounts : 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 XXXXXXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business 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 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Commercial Services, Inc
State: IL

Complaint narrative:
I have been forced in to a fraudulent signing of secretary of state papers by NCS ( # XXXX ) collection service oit of California with no evidence of amounts owed and paperwork indicates I was in an accident in XXXX, Illinois when I wasn't. NCS has also claimed owed amounts that started at XXXX then to XXXX and now to XXXX with no supporting evidence of amounts owed. On top of that I am being charged 5 % interest for any amount not paid in full. So .. really I'm trapped with them having ability to suspend my license at any time if not paying amounts agreed upon. I did not have money for a lawyer at the time to fight case, had to sign due to driving being a 90 % part of my job ( Heating and cooling ). This collection agency is disrespectful and never helps me unless it's about money they want. If you look up reviews regarding dame company what I'm saying is consistent with anyone else involved with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I reviewed my credit report and saw that several accounts are still being reported inaccurately despite prior disputes. Multiple credit card accounts from 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, and XXXX are showing charge-offs or derogatory late payments without proper documentation to support them. Many of these accounts are closed or report XXXX balances, yet they continue to be coded as charged-off or past due, which is contradictory and misleading. In addition, a collection from XXXX XXXX XXXX for {$600.00} tied to XXXX XXXX XXXX  remains on my file even though no proof of assignment, bill of sale, or itemized balance has been provided. I also found multiple hard inquiries between XX/XX/XXXX and XX/XX/XXXX from creditors and auto dealers, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX, that have not been supported by signed credit applications or permissible purpose. Finally, outdated addresses are still appearing on my report, which increases the risk of file mixing. These issues remain unresolved and are continuing to unfairly harm my credit profile.

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 2025-09-03 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: NY

Complaint narrative:
I am disputing the XXXX XXXX  account ( Account No : XXXX ) on my TransUnion report. 
Violations : 1. Incomplete Account Information Reporting partial numbers violates 609 and XXXX accuracy standards.

2. Contradictory Reporting Marked Charged Off yet still reflecting a Past Due Balance of {$3700.00} and a Monthly Payment of {$90.00}. This is misleading and violates 607 ( b ).

3. Misleading Payment History Showing No history available alongside percentages of on-time payments is materially inaccurate.

4. Permissible Purpose Under 604, you must show the basis for JPMCBs authority to continue furnishing this data. Without my authorization, this tradeline is unauthorized.

5. Failure to Mark as Disputed Not marking as disputed violates 1681s-2 ( a ) ( 3 ).

Action Required Provide full verification including permissible purpose.

Delete this account if unverifiable.

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 2025-09-03 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: NE

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$290.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MS

Complaint narrative:
Kindly please see the attached file as your reference.

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 2025-09-03 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: TX

Complaint narrative:
Experian, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnionXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Request for Investigation and Deletion of Unverifiable Accounts under the Fair Credit Reporting Act ( FCRA ) Dear [ Experian/TransUnion/Equifax ] , I am writing to formally dispute the accuracy of certain information being reported on my credit file. This letter is being submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Upon reviewing my credit report, I have identified accounts and/or information that appear inaccurate, incomplete, or can not be verified. In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a thorough investigation of these items. If the disputed information can not be verified as accurate within the required timeframe, it must be deleted or corrected from my credit file.

The following accounts require investigation and deletion if unverifiable : [ List each disputed account here with creditor name, account number ( last 4 digits ), and reason for dispute, e.g., not my account, incorrect balance, account reported as late but was paid on time, etc. ] I request written confirmation of the results of your investigation and an updated copy of my credit report reflecting any changes made. If you verify the information, please provide me with the name, address, and telephone number of the furnisher of the disputed information, as required under the FCRA.

Please be advised that I am keeping detailed records of all correspondence related to this matter.

Thank you for your prompt attention to this request. I expect your investigation and response within the time allowed by law. 

Sincerely, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
Experian, XXXX. XXXX XXXX, XXXX, TX XXXX TransUnionXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Request for Investigation and Deletion of Unverifiable Accounts under the Fair Credit Reporting Act ( FCRA ) Dear [ Experian/TransUnion/Equifax ] , I am writing to formally dispute the accuracy of certain information being reported on my credit file. This letter is being submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Upon reviewing my credit report, I have identified accounts and/or information that appear inaccurate, incomplete, or can not be verified. In accordance with FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a thorough investigation of these items. If the disputed information can not be verified as accurate within the required timeframe, it must be deleted or corrected from my credit file.

The following accounts require investigation and deletion if unverifiable : [ List each disputed account here with creditor name, account number ( last 4 digits ), and reason for dispute, e.g., not my account, incorrect balance, account reported as late but was paid on time, etc. ] I request written confirmation of the results of your investigation and an updated copy of my credit report reflecting any changes made. If you verify the information, please provide me with the name, address, and telephone number of the furnisher of the disputed information, as required under the FCRA.

Please be advised that I am keeping detailed records of all correspondence related to this matter.

Thank you for your prompt attention to this request. I expect your investigation and response within the time allowed by law. 

Sincerely, 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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc.
State: MI

Complaint narrative:
Had a bill due XX/XX/XXXX of XXXX. I turned around and paid the whole balance of XXXX off via my XXXX XXXX via my XXXX ACCOUNT. The payment was made on XX/XX/year> and didnt post until XX/XX/scrub>XXXX Got a call from XXXX XXXX  today on XXXX  saying my payment wasnt there and I owed XXXX or XXXX  still. I kindly explained I made my payment via XXXX XXXX and the response was that I was lying because there wasnt a payment there and if I did make it it would have posted already. Well yea XXXX XXXX it did! Its posted all thru my bank account statement. And on my XXXX XXXX receipts. The rep I was talking to wasnt helpful again kept calling me a XXXX  and I asked to be transfer to a higher up she complied and transferred me. I spoke to the supervisor who also confirmed my payment was not posted to my account on their end but I confirmed the billing address of where the payments go and my account number. She told me how to start a payment investigation but both of these reps were very rude and just clearly didnt believe I made my payment. I emailed all document to their team at XXXX requesting a payment investigation and submitting my proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MO

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation