vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
To Whom It May Concern, Im writing to raise serious concern about a harmful and underregulated practice in the credit card industry that I believe violates the spirit of consumer protection. 

Recently, I attempted to convert a co-branded credit cardissued by American Express in partnership with XXXX XXXX a standard AmEx card that better reflects my current financial and lifestyle needs. I was told this was not possible. My only options were to maintain a business relationship with a company I no longer use or close the account and suffer negative consequences to my credit profile. 

This is unacceptable. 

I managed this account responsibly. I paid it in full and fulfilled my financial obligations as agreed. I simply no longer fly XXXX regularly and did not want to continue holding a card I dont useespecially XXXX that carries a sizable annual fee. Yet due to private contractual restrictions between AmEx and XXXX, I was forced to choose between financial autonomy and long-term damage to my credit health. 

These kinds of co-branded relationships are not minor consumer inconveniencesthey are structurally anti-choice. They : Lock consumers into brand silos they can not escape Penalize responsible credit management Restrict financial evolution in favor of corporate retention Prioritize private agreements over public interest Consumers deserve the ability to evolve their credit relationships without being penalized. Co-branded restrictions that prevent a cardholder from converting to another product within the same financial institution are unfair, unnecessary, and manipulative. 

I respectfully request that the CFPB investigate this practice and evaluate whether additional consumer protections or disclosures are warranted. I would also welcome any update your office can provide regarding the regulatory position on this issue. 

Thank you for your time and your continued efforts to protect consumer rights. XXXX  XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law .. 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
They are reporting an inaccurate Account Type which is misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
I am writing to notify you that my Social Security number was compromised in a data breach, and as a result, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, which is included at the end of this letter. 

I understand that consumer reporting agencies sometimes delay or disregard dispute requests under the assumption that the communication may have been prepared with the assistance of a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) is clear : consumers have the right to obtain assistance in exercising their legal rights, and there is no lawful justification for delaying or denying a dispute based on that fact. 

Please be advised that any correspondence submitted under my name was prepared with my full knowledge and authorizationwhether written directly by me or with the support of advisors acting on my behalf. Any delay or failure to investigate and correct the disputed information in accordance with FCRA requirements will be considered a willful violation of my rights. 

I urge you to address this matter promptly and in full compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-05-19 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 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: Chime Financial Inc
State: IA

Complaint narrative:
.only was taken for product s I don't have like XXXX XXXX XXXX XXXX I don't get sling here and they can't back up a reason why I was denied there is many dates for XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed account and ask for proof that this is my debt it was under dispute then it came back negative reporting as a negative account I didnt authorize for any debt collector to buy my debt there for I have no contract with the debt collector they did not send me proof and reported on my credit again so I disputed again and now Im filing a complaint against there company due to them not sending any proof of original contract or any proof that this debt is mine and reported on my credit again and left a comment that consumer disagrees this account was already disputed and they did not send me proof and reported on my credit as a negative account again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX'Equifax, Transunion, and Experian are all failing to locate and properly report the following accounts to my credit profile. My rights under the FCRA are being violated due to neglecting me the right to transparency and fair reporting practices, whereas all information reporting must be accurate and true. This is my second time submitting an CFPB report regarding these missing accounts. For clarity I have added supporting documents to this CFPB report. 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

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Submission : Request for Credit Report Correction Subject : Request for Immediate Credit Report Correction Account # XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate credit reporting related to XXXX XXXX account # : XXXX. 



In XXXX, I experienced a XXXX XXXX XXXX  which left me without transportation and affected my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This hardship caused a default on my XXXX XXXX auto loan. I later contacted XXXX XXXX by phone, explained my situation, and negotiated a settlement agreement. 



On XX/XX/XXXX, I made a final settlement payment of {$1700.00}, which was accepted and posted as a recovery payment. During that conversation, the representative informed me that this payment would resolve the account and remove or correct the negative reporting. 



Despite the settlement, XXXX XXXX continues to report the account as charged off, without indicating the account was resolved or settled. This is misleading and inaccurate. 



I have made multiple disputes through Experian with the following case numbers : XX/XX/XXXX Report # : XXXX Status : Remains XX/XX/XXXX Report # : XXXX Status : Updated XX/XX/XXXX Report # : XXXX Status : Updated Additionally, I received a written letter from XXXX XXXX dated XX/XX/XXXX, stating : We have sent the proper documentation to the credit bureaus to have your credit report corrected. Please allow XXXX days for this update to reflect on your records. 



Despite this formal written notice, the account is still inaccurately reported as charged off. 



Requested Action : I respectfully request the CFPB to assist in the following : Ensure that the account is updated to Settled for less than full balance or Paid and closed, Or ensure the tradeline is removed entirely based on XXXXXXXX XXXX written confirmation and verbal settlement agreement. 



Please confirm receipt of this submission and advise on any additional information needed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Submission : Request for Credit Report Correction Subject : Request for Immediate Credit Report Correction Account # XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in correcting inaccurate credit reporting related to XXXX XXXX account # : XXXX. 



In XXXX, I experienced a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. This hardship caused a default on my XXXX XXXX auto loan. I later contacted XXXX XXXX by phone, explained my situation, and negotiated a settlement agreement. 



On XX/XX/XXXX, I made a final settlement payment of {$1700.00}, which was accepted and posted as a recovery payment. During that conversation, the representative informed me that this payment would resolve the account and remove or correct the negative reporting. 



Despite the settlement, XXXX XXXX continues to report the account as charged off, without indicating the account was resolved or settled. This is misleading and inaccurate. 



I have made multiple disputes through XXXX with the following case numbers : XX/XX/XXXX Report # : XXXX Status : Remains XX/XX/XXXX Report # : XXXX Status : Updated XX/XX/XXXX Report # : XXXX Status : Updated Additionally, I received a written letter from XXXX XXXX dated XX/XX/XXXX, stating : We have sent the proper documentation to the credit bureaus to have your credit report corrected. Please allow 3045 days for this update to reflect on your records. 



Despite this formal written notice, the account is still inaccurately reported as charged off. 



Requested Action : I respectfully request the CFPB to assist in the following : Ensure that the account is updated to Settled for less than full balance or Paid and closed, Or ensure the tradeline is removed entirely based on XXXX XXXX written confirmation and verbal settlement agreement. 



Please confirm receipt of this submission and advise on any additional information needed. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : 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 non-monetary relief
Consumer complaint received 2025-05-19 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: DC

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX. I recently discovered that I was listed as part of the XXXX  data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 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 non-monetary relief
Consumer complaint received 2025-05-19 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
After examining my credit record, I discovered late payment entries that I believe are incorrect. Despite sending validation request letters more than XXXX  days ago, I've received no response whatsoever, and no satisfactory validation has been provided to substantiate these alleged late payments. This ongoing silence is particularly concerning given how these negative entries continue to affect my credit standing.

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