vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-30 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: SC

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 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 2025-03-30 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: LA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX While XXXX to XXXX XXXX in XXXX, my auto loan with XXXX XXXX XXXX became delinquent. During my XXXX, I was unable to manage certain financial obligations due to military service demands. 

I submitted XXXX disputes to Equifax and attached my official military orders, but the account was verified both times and still shows as a charge-off with a {$6700.00} balance. 

On XX/XX/XXXX, I also sent a formal goodwill and dispute letter directly to XXXX XXXX XXXX with all supporting documentation, including ID and XXXX orders, but I have not received a resolution. 

I am requesting that the charge-off status be removed or corrected in light of my military service and protections under the Servicemembers Civil Relief Act ( SCRA ) and Fair Credit Reporting Act ( FCRA ). 

I am asking the CFPB to assist in reviewing this account for fairness and accuracy and to ensure the company has fulfilled its obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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 been disputing and I never get a response. Im completely aware of all the laws being broken by creditors and creditor reporters under 15 USC 1692C, 1692G, 1681 2AI 1681EB. 
XXXX XXXX IS NOT PERMITTED TO BE ON MY CREDIT REPORT DUE TO THE FACT THAT THEY DONT NOT REPORT ACCURATE NOR DO THEY REPORT POSITIVE INFORMATION. 
I have been disputing due to knowledge of reporting inaccurate. I have asked for debt validation claim from all creditors. I requested XXXX documents and they are as included ; ( XXXX ) I request to see a full list of detailed payment history on all accounts, ( XXXX ) I request my original wet signature that I agreed to on the contracts for each creditor, ( XXXX ) I'm curious to know if any insurance claims were found on these debts? ( XXXX ) I request the change of title that they have to collect on this debt. 
Also any charge off are considered income according to the irs. I should've gotten a XXXX from each creditor that put a charge off on my consumer report. XXXX is forbidden to be on a credit report according to XXXX XXXX XXXX XXXX XXXX No transaction or experiences are to go on my credit report. 
Late Payments ; NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
City, XXXX, Zip : XXXXXXXX XXXX XXXXXXXX Email Address : XXXX They are In Direct Violation of The XXXX Credit Reporing Act ( All Account ), has violated several of my rights. 
15 U.S.C 1681 soction 602 A. Clearty statea that XXXX have the right to privacy. 
15 U.S.C 1681 Section 604 A Secion XXXX : XXXX also states consumer reporting agency can not furish an account without my writen instructions. 
15 U.S.C 16868 : A creditor may not troat a payment on a credit card acoount under an oper-and consumer credit plan as late for any purpose. 
Remove these late payment and update these accounts immediately as you are in direct violation of several laws under 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 non-monetary relief
Consumer complaint received 2025-03-30 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: PA

Complaint narrative:
I have been disputing and I never get a response. Im completely aware of all the laws being broken by creditors and creditor reporters under 15 USC 1692C, 1692G, 1681 2AI 1681EB. 
XXXX XXXX IS NOT PERMITTED TO BE ON MY CREDIT REPORT DUE TO THE FACT THAT THEY DONT NOT REPORT ACCURATE NOR DO THEY REPORT POSITIVE INFORMATION. 
I have been disputing due to knowledge of reporting inaccurate. I have asked for debt validation claim from all creditors. I requested XXXX documents and they are as included ; ( XXXX ) I request to see a full list of detailed payment history on all accounts, ( XXXX ) I request my original wet signature that I agreed to on the contracts for each creditor, ( XXXX ) I'm curious to know if any insurance claims were found on these debts? ( XXXX ) I request the change of title that they have to collect on this debt. 
Also any charge off are considered income according to the irs. I should've gotten a XXXX from each creditor that put a charge off on my consumer report. XXXX is forbidden to be on a credit report according to XXXX XXXX XXXX XXXX XXXX No transaction or experiences are to go on my credit report. 
Late Payments ; NAME : XXXX XXXX XXXX Address : XXXX XXXX XXXX. 
City, XXXX, Zip : XXXXXXXX XXXX XXXXXXXX Email Address : XXXX They are In Direct Violation of The XXXX Credit Reporing Act ( All Account ), has violated several of my rights. 
15 U.S.C 1681 soction 602 A. Clearty statea that XXXX have the right to privacy. 
15 U.S.C 1681 Section 604 A Secion XXXX : XXXX also states consumer reporting agency can not furish an account without my writen instructions. 
15 U.S.C 16868 : A creditor may not troat a payment on a credit card acoount under an oper-and consumer credit plan as late for any purpose. 
Remove these late payment and update these accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: SC

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 2025-03-30 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: NY

Complaint narrative:
I am writing to file a formal complaint against Transunion a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to Transunion notifying them of the reinsertion of XXXXXXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for 35 days after sending the letter, Transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.

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 2025-03-30 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: MA

Complaint narrative:
I checked my report and saw late payments on my account, but Ive always paid on time. 
Can you check this and show proof that these payments were late? If not, please update my report to show the payments were on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I am filing a compliant because my creditor, AM HONDA FIN, XXXX XXXX XXXX, XXXX, TX XXXX XXXX ( XXXX ) XXXX, is reporting late payments on my account that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S2 A furnishers must report accurate information under 15 USC 1681 I, the credit Bureaus must perform a reasonable investigation within 30 days. neither of them have provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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:
Hi, my name is XXXX XXXX, I've noticed inaccuracies or fraudulent activity in my credit report. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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:
Hi, my name is XXXX XXXX, I've noticed inaccuracies or fraudulent activity in my credit report. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-03-30 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: PR

Complaint narrative:
I received an offer from Amex of a {$98.00} credit ( same as regular annual subscription ) for XXXXXXXX XXXX. Therefore for only that reason I decided to purchase XXXXXXXX XXXX annual subscription but was offered a lower price by XXXX. My expectation was to be credited for the same amount I spent on the annual subscription but not more than {$98.00} however since I never received the credit when I contacted they told me the reason is that I did not spent a minimum of {$98.00} on the XXXXXXXX XXXX subscription, I told Amex that there was no way to spend {$98.00} on the annual XXXX XXXX XXXX subscription since XXXX XXXX offered an automatic lower annual subscription with no way to change it to the XXXX dollar regular annual subscription cost, therefore my expectation as a 20 year customer and common sense is to receive a credit for the annual fee spent but not more. Been denied the credit would be an unfair and misleading advertising practice since most customers would not receive what appeared to be a 100 % credit but would end on a XXXX credit due to the automatic discount provided by XXXX XXXX annual subscription at the same time that they are advertising the credit. Both XXXX and Amex should be investigated for possible collusion on designing these offers at the same time to gain more paying customers with a misleading advertising where the customer may believe that they would pay 0. In conclusion I requested a credit for the amount paid for XXXX XXXXXXXX XXXX with the Amex credit card and was denied such credit based on the terms of the offer. I also was denied the terms of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

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 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 XXXXXX/XX/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 2025-03-31 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: TX

Complaint narrative:
I demand the swift removal of these inaccuracies from my credit report. These entries violate the Metro 2 Credit Reporting Guidelines and are severely damaging my financial standing. Under Section 623 ( a ) ( 1 ) ( A ), information furnishers must provide accurate data, and it is clear that this obligation has not been met.

Additionally, under Section 623 ( b ) ( 1 ) ( A ), you are obligated to investigate and correct any inaccuracies, and failure to comply with these requirements will result in liability under Sections 616 and 617 of the FCRA. Legal action will be pursued if these errors arent swiftly removed.

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 2025-03-30 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-30 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: MA

Complaint narrative:
Hi I recently checked my Consumer Report and noticed some late payments listed for my account that Ive always paid on time.

Ive never missed a payment, and I believe this information is incorrect. Could you please look into this? I would like the report to be updated to show that these payments were made on time.

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 2025-03-30 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: CA

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 2025-03-30 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: CA

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 non-monetary relief
Consumer complaint received 2025-03-30 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. 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 explanation
Consumer complaint received 2025-03-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Old incorrect late payments that is damaging to my credit reports, damaging my credit history, old inquiries that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-30 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: IL

Complaint narrative:
Old incorrect late payments that is damaging to my credit reports, damaging my credit history, old inquiries that needs to be deleted

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 2025-03-30 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief