vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-09 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: OK

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

1681c-2 ) that you, the Experian Credit 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 XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1200.00}

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 2025-07-09 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: IL

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the XXXX and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-07-09 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company 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 2025-07-09 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: MI

Complaint narrative:
Under the FCRA I disputed an inaccurate report from XXXX auto insurance to be deleted from my Experian credit report. In my dispute letter to Experian I thoroughly explained I did not owe XXXX and that my previous account with them was paid in full. I provided proof of paid in full status as well as proof of inaccurate policy dates sent by XXXX. Additionally I provide proof to Experian with my actual coverage binder from XXXX XXXX  during the dates XXXX falsely claimed my auto was covered by them. Experian replied they were not going to honor my request. The reason Experian states in their reply is completely unreasonable. XXXX states that I did not provide a reason for my dispute. Please see my dispute and the reply from Experian. I need the CFPB to assist in resolving this matter because this inaccurate report should have been deleted as inaccurate! XXXX is harming my credit score with Experian by reporting this error. 

Thank you in advance for your attention to resolving 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 explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX XXXX was promoting a new local gym. While visiting their pre-opening celebrations, the XXXX XXXX rep assured me of an easy 30 day trial with no commitment ; simply let them know that I do not want to join the gym and I would not be charged for membership. 
On XX/XX/XXXX, I opted online for a 30-day trial. I visited the gym on XX/XX/XXXX, and didn't like it. So, I cancelled on site ( as the original XXXX XXXX rep instructed ). I never signed a contract, so I did not have membership. 
Later, I received notifications about upcoming billing, so I contacted the gym again to remind them of my trial cancellation, and I never signed a membership agreement. 

XX/XX/XXXX, I received a collection letter from Aldous and Associates trying to collect {$240.00} on behalf of XXXX XXXX. The law office provided NO proof of the debt. They simply CLAIM I owe this money unless I can provide documentation proving that I don't. I explained that I had no proof because I never signed a membership agreement and did not know what the {$240.00} was for. This is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I went to XXXX Successfully printed XXXX  and XXXX  twice. 
Tried to do the same twice with Equifax and it failed both times. 

I called Equifax 3 times to request report. They said they would mail it out to my address in 10 days, then 4 days, now 15 days and still no report.

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 2025-07-09 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: Nelnet, Inc.
State: TN

Complaint narrative:
This letter is sent to you pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( i ) ( A ), as well as my rights under the Fair Debt Collection Practices Act ( FDCPA ), where applicable.

I am formally requesting complete validation and verification of the above-referenced account. Please provide me with the following specific documentation to substantiate your claim : 1. A copy of the original signed Master Promissory Note ( MPN ) bearing my wet-ink ( original ) signature.
2. Complete chain of custody documentation showing the legal transfer and assignment of service rights from the original creditor to your agency, including all endorsements and assignments.

3. Proof of legal authority verifying that your company or agency has the legal right to service or collect on this loan and furnish data to credit bureaus. 
4. Evidence of XXXX XXXX XXXX involvement, if applicable. 
5. A full ledger of all deferments and forbearances including dates, amounts, and duration, to verify the history of the account. 

Until the requested documentation is provided and the debt is properly validated, I am requesting that all collection activities cease and that no further negative information related to this account be reported to any credit reporting agencies. 

Please understand that under FCRA Section 1681 ( i ) ( A ), you are required to provide me with this information upon request if you are reporting information about me.

If you fail to provide the requested documentation within 30 days from the date of receipt of this letter, please remove this account from all consumer reporting agencies to which it has been reported and cease all collection efforts. 

Please send all requested documents and your response to the address listed above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account. 

Please note that I request all future communication regarding this matter be conducted in writing. 

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported.

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to 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 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/year> I was involved in a wire scam. Claim # XXXX. The second I sent the wire the call dropped I immediately went to the BOA branch 3 minutes from my home. I told the greeter, XXXX, the Branch Manager what was happening. Neither of them advised me that I wouldnt receive a call from BOA for this type of situation. They gave me the direct # for wire fraud. I called on the landline from the branch. I told fraud what was happening. He confirmed that he saw a reversal. While he was looking into the transaction I was frantic so I asked him to hold and I tried to withdraw my money from the acct, however BOA computers went down and I couldnt do a withdrawal. I ran to ATM and withdrew {$1500.00}. Which brought my account below {$6500.00} ( amount of wire ) the wire shouldnt have gone through. Also fraud had time to freeze my acct but didnt. Also while still on BOA landline the scammer called back my cell. I was relaying all information from her to BOA fraud. He told me what she was saying makes sense and allowed me to continue with the scammer. He also had the opportunity to tell me do not answer the your cell phone, no one from BOA will call you for this. There were 3 BOA representatives who could have stopped this and were of no help 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 monetary relief
Consumer complaint received 2025-07-09 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: VA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I opened an American Express credit card during the COVID-19 pandemic while I was out of work. My initial credit limit was around {$3000.00}. As I used the card for basic expenses, Amex increased my limit several timeseventually up to $ XXXX ever verifying my income or financial ability to repay. 

The card came with a one-year no-interest period, after which a steep 24 % interest rate applied. Once the interest kicked in, I was being charged about {$120.00} per month in interest alone. In XXXX, I made the decision to stop using the card and start paying it down to improve my credit score, which had been hurt by high utilization. 

On XX/XX/year>, after reducing my balance to about {$3500.00}, I received an email from Amex stating that, as a responsible lender, they were reviewing my account for a credit limit reduction. They added that if I paid {$920.00} by XXXXjust three days after the noticethey would allow me to keep the {$5000.00} limit. 

I find this behavior deeply predatory and disingenuous. Amex had no issue raising my limit repeatedly when they could profit off my interest payments, but now that Im paying the card down and using it less, they suddenly want to lower my limithurting my credit score by increasing my utilization. Yet now they call themselves, a responsible lender. 

Furthermore, giving only three days notice to come up with nearly {$1000.00} is unreasonable and feels like coercion. Their actions appear to be driven by profit at the expense of fair and responsible lending practices. 

Im requesting that the CFPB investigate this pattern and that American Express be required to reinstate my original credit limit and address the harm done to my credit profile. Consumers should not be penalized for working toward financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: LA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
My cash app account was closed years ago around XXXX and I attempted to appeal the closure and ask for information. 

Cash App simply said I broke the XXXX  but didnt explain what rule I broke. I tried to answer for further information but they continued to give the same answer. 

Again on XX/XX/XXXX of XXXX. I reached out to inquire about my account. It has been frustrating not having access to the account since it is so widely used, so I reached out again. 

They got back to me on XX/XX/XXXX and was provided the same explanation. 

This, Im making this complaint since I did some research and discovered that CFPB has opened as class action in regards to this matter. 

CFPB v. Block , Inc. ( Cash App ) Regulatory Enforcement ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

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

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

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

Company response to consumer: Closed with non-monetary relief