vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint against American Express and their failure to accurately report account information to XXXX. Despite my multiple disputes with XXXX concerning this tradeline, American Express continues to verify and maintain clearly inaccurate data on my consumer report. 
The primary issue concerns the past due balance and overall account balance being reported. American Express is reporting a past due amount of {$6200.00}, but at the same time, the total balance reflected is {$10000.00} despite this being a closed account. If the account is closed, it is unclear and contradictory for the balance and past due amount to continue increasing over time. Every time I obtain a new credit report, the reported amount appears to grow without explanation or justification.Furthermore, it is illogical for the past due balance to be lower than the total balance if the account is no longer active. This discrepancy directly violates the Fair Credit Reporting Act ( FCRA ), as furnishers are required to report accurate and consistent information. The conflicting numbers reflect gross negligence in maintaining accurate records and suggest reckless disregard for my rights under federal law.I have consistently identified and disputed these inaccuracies with XXXX  and emphasized the contradiction in the numbers reported. However, American Express continues to verify the information as accurate, despite the fact that it is clearly false, misleading, and harmful to my consumer report and creditworthiness.This is my final warning and request for American Express to either : 1.Correct all inaccurate information, 2.Delete the tradeline from my XXXX consumer report entirely. 

I am seeking CFPBs assistance in holding American Express accountable for these ongoing violations and ensuring my consumer rights are protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
XXXX XXXX XXXX Summary of complaint : I experienced a data breach which resulted in the compromise of my personal information. The breach led to fraudulent accounts and debts being created in my name. I, XXXX XXXX XXXX date of birth XX/XX/1986 is requesting for CFPB consider this when reviewing their credit report and take action to correct inaccuracies. I discovered my personal information, including my SSN and email login credentials, was exposed in multiple data breaches. Fraudulent information subsequently appeared on my credit report. I sent a letters to the credit reporting agencies, requesting clarification on their investigation methods, but received no response. Then I requested the CFPB to explain their investigation process and method of verification. I also experienced data breaches potentially leading to identity theft. I am requesting the removal of any negative credit information, including student loans, judgements, inquires, negative items, personal loans, from my report under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-06 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:
XXXX XXXX XXXX Summary of complaint : I experienced a data breach which resulted in the compromise of my personal information. The breach led to fraudulent accounts and debts being created in my name. I, XXXX XXXX XXXX date of birth XX/XX/1986 is requesting for CFPB consider this when reviewing their credit report and take action to correct inaccuracies. I discovered my personal information, including my SSN and email login credentials, was exposed in multiple data breaches. Fraudulent information subsequently appeared on my credit report. I sent a letters to the credit reporting agencies, requesting clarification on their investigation methods, but received no response. Then I requested the CFPB to explain their investigation process and method of verification. I also experienced data breaches potentially leading to identity theft. I am requesting the removal of any negative credit information, including student loans, judgements, inquires, negative items, personal loans, from my report under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I ordered food through XXXX XXXX  on XX/XX/2025, I never received my order and I tried to go back through the company to get a refund. The order was delivered to the wrong address and the merchant refused to refund my order. When I contacted SOFI bank to initiate a dispute I was told that they would investigate my claim and if a resolution was not reached within 10 business days, a provisional credit would be provided. I submitted all supporting documentation as requested by the bank to substantiate my claim and I have yet to receive a refund from the merchant or a credit from my bank and it's been over 30 days since the claim was opened. The dispute amount is XXXX and I don't understand why a credit has not been issued if this is going to take longer than anticipated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In XXXX  2014, I attempted to enroll at the University XXXX XXXX  XXXX  XXXX ( XXXX ), but my academic advisor placed me in duplicate classes I had already passed. I could not complete 12 credits and was told there were no available classes left. As a result, I did not attend, did not receive financial aid, and never got a refund. Years later, I found out a {$49000.00} federal student loan was reported in my name, even though I never accepted or used any loan funds. I never received mail or calls about this, and the balance was sent to collections and the Louisiana Attorney General without my knowledge. My state tax refunds have been taken for years, and Ive made multiple disputes with XXXX and contacted XXXX and the AGs office all without resolution. I am requesting full removal of this inaccurate debt and for collections and garnishment to stop 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In XXXX  2014, I attempted to enroll at the University XXXX XXXX  XXXX  XXXX ( XXXX ), but my academic advisor placed me in duplicate classes I had already passed. I could not complete 12 credits and was told there were no available classes left. As a result, I did not attend, did not receive financial aid, and never got a refund. Years later, I found out a {$49000.00} federal student loan was reported in my name, even though I never accepted or used any loan funds. I never received mail or calls about this, and the balance was sent to collections and the Louisiana Attorney General without my knowledge. My state tax refunds have been taken for years, and Ive made multiple disputes with XXXX and contacted XXXX and the AGs office all without resolution. I am requesting full removal of this inaccurate debt and for collections and garnishment to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In XXXX  2014, I attempted to enroll at the University XXXX XXXX  XXXX  XXXX ( XXXX ), but my academic advisor placed me in duplicate classes I had already passed. I could not complete 12 credits and was told there were no available classes left. As a result, I did not attend, did not receive financial aid, and never got a refund. Years later, I found out a {$49000.00} federal student loan was reported in my name, even though I never accepted or used any loan funds. I never received mail or calls about this, and the balance was sent to collections and the Louisiana Attorney General without my knowledge. My state tax refunds have been taken for years, and Ive made multiple disputes with XXXX and contacted XXXX and the AGs office all without resolution. I am requesting full removal of this inaccurate debt and for collections and garnishment to stop 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 non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of complaint : I experienced a data breach which resulted in a compromise of my personal information. The breach led to fraudulent accounts and debts being created in my name. I am requesting CFPB to consider this when reviewing their credit report and take action to correct inaccuracies. I discovered my personal information, including my SSN and email login credentials, was exposed to multiple data breaches. Fraudulent information subsequently appeared on my credit report. I sent a letter to the credit reporting agencies ( Experian, Equifax, Transunion ) requesting clarification on their investigation methods but received no response. Then I requested the CFPB to explain their investigation process and method of verification. I also experienced data breaches potentially leading to identity theft. I am requesting the removal of any negative credit information, including student loans, judgements, inquiries, negative items, personal loans, from my report under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-06 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:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of complaint : I experienced a data breach which resulted in a compromise of my personal information. The breach led to fraudulent accounts and debts being created in my name. I am requesting CFPB to consider this when reviewing their credit report and take action to correct inaccuracies. I discovered my personal information, including my SSN and email login credentials, was exposed to multiple data breaches. Fraudulent information subsequently appeared on my credit report. I sent a letter to the credit reporting agencies ( Experian, Equifax, Transunion ) requesting clarification on their investigation methods but received no response. Then I requested the CFPB to explain their investigation process and method of verification. I also experienced data breaches potentially leading to identity theft. I am requesting the removal of any negative credit information, including student loans, judgements, inquiries, negative items, personal loans, from my report under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Dispute of Unverifiable Late Payments Reported by XXXX Account Name/Number : XXXX XXXX Report Date : XX/XX/year> To Whom It May Concern : I am writing to formally dispute certain inaccurate and unverifiable late payments reported by XXXX on XXXX credit file under the above-referenced account. 

According to the XXXX XXXX Billing Act ( FCBA ), XXXX XXXX. XXXX, creditors are required to provide a grace period before assessing any late fees or reporting delinquencies. Furthermore, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and subsequent provisions such as XXXX XXXX. XXXX, you are required to report only accurate and verifiable information. 

XXXX has reported late payments that I believe are inaccurate and for which no verification has been provided. I request that a thorough investigation be conducted into these entries. Per the FCRA, if these items can not be verified, they must be promptly deleted from my credit file. 

Please provide the following : A copy of the payment history that validates the reported late payments. 

Documentation that proves I was billed per XXXX XXXX XXXX, including the date my bill was mailed and the specified due date. 

A written statement from XXXX verifying the accuracy of the late payment information. 

In the absence of such documentation, I formally request that the disputed late payments be removed from my credit report, in compliance with federal law. 

Please complete your investigation and provide the results in writing within the XXXX business days as required by the FCRA. 

Thank you for your time and prompt attention to this matter. I expect all unverifiable information to be removed to reflect a fair and accurate credit history. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-06 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: MS

Complaint narrative:
According to the 15 usc 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with credit bureaus and its coming back verified without a proper investigation. The company failed to send me any information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of unauthorized hard inquiries appearing on my credit report. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ), a hard inquiry may only be made under certain circumstances with the explicit consent of the consumer.

After reviewing my credit report, I have identified inquiries that I did not authorize and for which no permissible purpose exists. These inquiries are damaging my credit profile and were not initiated by me. The presence of these inquiries violates my rights under federal law and constitutes a breach of my privacy.

Under FCRA, no entity may access my credit file without a permissible purpose, and all such access must be verifiable.

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 2025-07-05 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:
This CFPB compliant has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNIONcredit 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. The following items do not belong to me and is a result of fraud that I did not authorize. XXXX. XXXX XXXX XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank has allowed me to become hacked and have my identity stolen three times in the past 5 years. With the fees I pay and account security features, this shouldnt be happening. Reading a recent article about bribes a former employee has taken and the large lawsuits the bank has taken lately, its compelled me to write about my experiences. Its a huge inconvenience and possibly a very damaging thing to my ( perfect ) credit and it leaves my accounts open for hacking. I feel their safeguards are frankly, garbage and it puts customers in danger. TD seems to do nothing to bolster their defenses about these hackers and care nothing about the hours it takes to switch accounts that are linked to my checking account. Seems to be that the reason they can print a new debit card immediately is because they know fraud happens so often. A person in NY found their way into my accounts and my linked email and it wouldnt surprise me if it came from the identity theft scheme. Im frankly beyond frustrated with their bush league antics.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these XXXX, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these XXXX, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over XXXX days since I filed my complaint.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report a XXXX XXXX bankruptcy that was never verified with the original source the XXXX.S. Bankruptcy Court. The clerk confirmed in writing that they do not furnish records to credit bureaus. Equifax claims XXXX is the provider but performs its own matching. That means the match was never verified at the source, violating FCRA 15 USC 1681i and 1681e ( b ). I have disputed this multiple times, but Equifax keeps verifying it without supplying documentation or full method of verification. I demand deletion under 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX INFORMATION THEFT

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 2025-07-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XX/XX/XXXX INFORMATION THEFT

Company response to consumer: Closed with non-monetary relief