vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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 am writing to formally dispute the accuracy of one or more items on my credit report that I believe are the result of identity theft. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 605B, I request the immediate investigation and removal of these fraudulent accounts from my credit report.

The original signed contract or application bearing my signature.

Any documentation used to verify the accounts validity.

The name and address of the original creditor.

A full explanation of how the account was verified.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed of for an American Express Credit Card with a promitional campaign that if you spend {$6000.00} during the first 3 months you will receive XXXX rewards points. The card required you to pay a fee of {$350.00} during the first month. I started using this card at the beginning of XXXX  and spent the {$6000.00} during the first two months of use. I was awarded the points. 

However, a few days after the 6 month period the reward points were removed from my account. There was a large return back in XXXX against my spending and due to this return American Express felt I did not fulfill the spending required for the promotion. 

I called to express my concern and requested this be reviewed due to the following. 
XXXX. There is no explanation that returns would reduce the amount spent. 
XXXX. There was no notification that my spending amount had not been achieved due to the return. The return was completed in XXXX yet they waited until the 6 month period to notify me that the reward was being reversed. 

I requested American Express to do one of the following. Either aware the XXXX points as earned by their promotion, or refund me back the {$350.00} paid during the first month for the card and cancel the card. After multiple calls to their customer service center I was told they would send this up to another department for review. 

I called back two different times during the months of XXXX and XXXX and was told each time that they were still reviewing this case. 

I called today and was told they denied all my requests. They would not terminate and refund the {$350.00} for the card. They would not provide the XXXX points awarded. I asked them why they hadn't notified me that my case had been completed and the woman told me that " she just told me ''. I asked, had I not continued to call would I have even found out of their decision and shouldnt ' they provide written notification of this decision and she advised that they do not provide written notice and that this call was all the notification I would get. 

I believe their lack of clarify on their promotion and their lack of notification on the reversal of points as well as their lack of notification on the review of the complaint violates protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: OK

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

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 2025-08-13 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: PA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-13 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have an unauthorized inquiry from XXXX XXXX on XX/XX/year> there is no XXXX XXXX in the state of Connecticut where I reside therefore I am asking XXXX XXXX XXXX to provide clear and convincing evidence that I XXXX XXXX entered their financial institution on XX/XX/year> and ask for a loan. This inquiry does not attach to any account on my credit profile, if XXXX XXXX failed to provide the physical evidence please remove this inquiry immediately.

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 2025-08-13 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 am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs January 2025 lawsuit against { CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX  And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - XXXX5 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXX XXXXXXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XXXX XXXX  ( Case XXXX XXXX for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TX

Complaint narrative:
I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs January 2025 lawsuit against { CREDIT BUREAU } XXXX XXXX I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. XXXX XXXX  And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - XXXX5 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. 
Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX XXXX XXXXXXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against { CREDIT BUREAU NAME } in XXXX XXXX  ( Case XXXX XXXX for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute certain inaccurate and unverifiable information appearing in my Equifax credit file, as provided under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of the disputed information, delete or correct all inaccuracies,

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 2025-08-13 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: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an unauthorized hard inquiries appearing on my credit report. This inquiries was made by : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX  Let me be perfectly clear : I never applied for credit with this company and I never provided them with written or verbal authorization to access my consumer report for any purpose. This unauthorized inquiry is a direct violation of federal law and is having a negative impact on

my credit score and financial standing. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, requires that a person or entity must have a " permissible purpose '' to obtain a consumer report. The FCRA also mandates that a consumer reporting agency, like yours, may furnish a con
sumer report " only in response to a court order or the written instructions of the consumer to whom it relates. '' The hard inquiries on my credit report was made without my written authorization and therefore lacks a permissible purpose. 

This unauthorized inquiry is a clear violation of my rights under the FCRA. I am not requesting an investigation of whether the information is accurate. I am stating, with certainty, that this inquiries is fraudulent and was made without my consent. 

Pursuant to my rights under the FCRA, I demand that you : Immediately and permanently delete this unauthorized hard inquiries from my credit report. 

Provide me with written confirmation of its deletion from my file within thirty ( 30 ) days of your receipt of this letter. 

I expect prompt and decisive action to correct this error. If this unauthorized inquiry is not removed from my credit report, I will not hesitate to file a legal remedies under the FCRA, which may include civil litigation. 

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 2025-08-13 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: MI

Complaint narrative:
there seems to be some type of behind the scenes XXXX discrimination within the credit bureau system. XXXX are experiencing deceases in their credit scores for reason that the score shouldnt drop. My score dropped XXXX points and then XXXX points for an inquiry. Credit scores does not drop XXXX points for inquiries. Also I do not have to go and obtain other accounts to keep my credit score at a healthy score. I would be forever obtaining accounts once paid off or forever paying on an account to keep a healthy score. XXXX requesting the XXXX points are added back and the correct amount t of points are taken for an inquiry and the remaining points are added back to my score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
Multiple companies are continuing to report accounts for which I have formally revoked consent and requested immediate removal under FCRA 604 and GLBA. The CRAs are enabling unauthorized data reporting in violation of federal law. Please refer to the attached multi-party revocation notice. You have 4 days to remove them according to the law. See 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 non-monetary relief
Consumer complaint received 2025-08-13 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:
I am filing a complaint According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a For

m 1099-C to both the consumer and the IRS. The absence of a 1099-C suggests that the debt has not been officially canceled, and therefore, the creditor may still be attempting to collect. However, continued negative reporting without actual collection efforts or formal cancellation may be considered misleading and damaging to my credit standing. Please remove the following Charge-Off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} Additionally, please remove this inquiry from my credit file in accordance with FCRA 619 15 U.S.C. 1681q : XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am filing a complaint According to IRS regulations, if a creditor cancels a debt of {$600.00} or more, they are required to issue a For

m 1099-C to both the consumer and the IRS. The absence of a 1099-C suggests that the debt has not been officially canceled, and therefore, the creditor may still be attempting to collect. However, continued negative reporting without actual collection efforts or formal cancellation may be considered misleading and damaging to my credit standing. Please remove the following Charge-Off accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} Additionally, please remove this inquiry from my credit file in accordance with FCRA 619 15 U.S.C. 1681q : XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Permanently delete the following fraudulent accounts and all related inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/year> Block all identity theftrelated data as required by 15 U.S.C. 1681c2, provide a corrected and updated credit report, and send written confirmation of the deletions and blocks within 4 business days of receiving my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief