vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any
other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
Theres a {$570.00} personal loan taken out from XXXX  XXXX. I only knew of this loan because it hit my credit and dropped it XXXX points. This account was open XX/XX/year> and I was never notified until it just hit my credit. I was on the phone for an hour with this company because they could not find me in their system and they also were not sure how this loan was approved for {$570.00} because their minimum is {$2000.00}. XXXX XXXX keeps denying my claim but they keep dropping my credit score. This company told me in the meantime their hands are tied because they dont even know how this happened. They told me Ill be getting an email in 3 days to try to clear this. Please I need help really bad. Ive never lived in XXXX  in my life but somehow it was able to make it on my credit report. Whoever this person is they are really screwing me over. From the screen shot you can see this person has paid nothing. And its really not fair. I just want to cry because no one can seem where this came from. Its really frustrating

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-25 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested that an inaccurate late payment status be removed from my XXXX XXXXXXXX XXXX  Account as the account was never paid late. Also the late payment in question is reported on Experian in XX/XX/XXXX but is subsequently reported on XX/XX/XXXX on XXXXXXXX. So reported happening at XXXX entirely different times, so is obviously being reported inaccurately. I provided documentation showing the dates in question being paid on time and Experian refused to delete the inaccurate late payment.

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 2025-04-25 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: IN

Complaint narrative:
I have hard inquires on my three credit bureau that I did not consent to. Im demanding that the removal of all inquiries from all three bureaus

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 2025-04-25 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: U.S. BANCORP
State: IN

Complaint narrative:
I have hard inquires on my three credit bureau that I did not consent to. Im demanding that the removal of all inquiries from all three bureaus

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 2025-04-25 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:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Complaint Illegal Reporting of Bankruptcy/Discharged Debt by TransUnion, Equifax, and Experian ; XXXX for Deletion and {$3000.00} Compensation for Damages To Whom It XXXX Concern, I am submitting this urgent complaint against TransUnion, Equifax, and Experian for their continued and unlawful reporting of a XXXX XXXX account ( # XXXX ) and an associated bankruptcy reference on my credit file, despite these items having previously been deleted due to the inability to verify their accuracy as required by law. 

FCRA and Bankruptcy Code Violations : All three credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), including Sections 604 ( 15 U.S.C. 1681b ) and 611 ( 15 U.S.C. 1681i ), as well as the U.S. Bankruptcy Code ( 11 U.S.C. 524 ( a ) ). After the bankruptcy was deleted from my file due to lack of verification from the original court, these bureaus have no lawful basis to reinsert or continue reporting this information.

Furthermore, I have never authorized LexisNexis or any other third-party vendor to access or disclose my personal or court records. Any attempt to verify or reinsert such information without my express consent or direct court confirmation constitutes a clear violation of my consumer rights and the permissible purpose requirement of the FCRA.

Direct Harm and Damages : The illegal presence of this bankruptcy and associated account on my credit report has caused significant and ongoing harm to my creditworthiness, financial opportunities, and personal well-being. This unlawful reporting is misleading, inaccurate, and has resulted in the denial of credit and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Urgent Complaint Illegal Reporting of Bankruptcy/Discharged Debt by TransUnion, Equifax, and Experian ; XXXX for Deletion and {$3000.00} Compensation for Damages To Whom It XXXX Concern, I am submitting this urgent complaint against TransUnion, Equifax, and Experian for their continued and unlawful reporting of a XXXX XXXX account ( # XXXX ) and an associated bankruptcy reference on my credit file, despite these items having previously been deleted due to the inability to verify their accuracy as required by law. 

FCRA and Bankruptcy Code Violations : All three credit bureaus have violated the Fair Credit Reporting Act ( FCRA ), including Sections 604 ( 15 U.S.C. 1681b ) and 611 ( 15 U.S.C. 1681i ), as well as the U.S. Bankruptcy Code ( 11 U.S.C. 524 ( a ) ). After the bankruptcy was deleted from my file due to lack of verification from the original court, these bureaus have no lawful basis to reinsert or continue reporting this information.

Furthermore, I have never authorized LexisNexis or any other third-party vendor to access or disclose my personal or court records. Any attempt to verify or reinsert such information without my express consent or direct court confirmation constitutes a clear violation of my consumer rights and the permissible purpose requirement of the FCRA.

Direct Harm and Damages : The illegal presence of this bankruptcy and associated account on my credit report has caused significant and ongoing harm to my creditworthiness, financial opportunities, and personal well-being. This unlawful reporting is misleading, inaccurate, and has resulted in the denial of credit and emotional distress.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
I recently received a copy of my report and found that you are illegally reporting inaccurate and false information about me.The following alleged account is listed as collection with a past due balance of XXXX Account Name : Lead Bank This is a violation of FCRA and is also in violation of requisite Metro 2 Complaint reporting standards. According to the fair Credit Report Act I have the right to a fair and accurate credit report, and you are required to remove any information that isnt true, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
Subject : Use of Alias and False Representation of State Law by Debt Collector Company : Bridgecrest Acceptance Corporation Product : Auto Loan Issue : Misrepresentation and use of deceptive practices Complaint : I am filing a complaint against an individual named XXXX who is acting as a debt collector for Bridgecrest Acceptance Corporation. During our interactions, XXXX used an alias, failing to identify herself truthfully, and falsely cited a nonexistent Colorado state law to justify including the term " collection attempt '' on a receipt for an autopayment on a current account. 

There is no past due balance on this account, and her representation that Colorado law requires such language is entirely fabricated. I conducted a review of relevant Colorado statutes, including the Uniform Consumer Credit Code ( UCCC ) and the Colorado Fair Debt Collection Practices Act ( CFDCPA ), and found no law mandating such language on payment receipts for current accounts. 

XXXX use of a false identity and fabrication of legal authority appear to be deliberate attempts to intimidate or mislead consumers, which may violate the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Such misrepresentation could lead consumers to believe they are delinquent when they are not.

Desired Resolution : Investigate Latoyas use of an alias while acting in a debt collection capacity Investigate the false legal claim regarding Colorado state law Require the company to remove misleading language from receipts when no delinquency exists Ensure all communications with consumers are truthful, transparent, and legally compliant Require written acknowledgment and correction of this practice I believe this conduct is deceptive, potentially unlawful, and should be addressed by the CFPB. Please contact me for additional documentation or details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: UT

Complaint narrative:
I am a victim of XXXX XXXX. Multiple fraudulent credit inquiries and accounts appeared on my credit reports with Equifax, Experian, and TransUnion between MayXX/XX/XXXX and XX/XX/XXXX. I submitted proper documentation under 15 U.S. Code 1681c-2, including an FTC Identity Theft Report, a government-issued ID, proof of address, and marked copies of my credit reports identifying the fraudulent items. Despite this, the reporting agencies have failed to block or remove the fraudulent accounts and hard inquiries as required by law within the four-business-day deadline. This includes accounts from XXXX XXXX, XXXX XXXX XXXX XXXX, and numerous unauthorized inquiries from financial institutions. I am requesting that the CFPB take enforcement action to compel compliance and have these accounts and inquiries permanently removed as required 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 2025-04-25 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: UT

Complaint narrative:
I am a victim of XXXX XXXX. Multiple fraudulent credit inquiries and accounts appeared on my credit reports with Equifax, Experian, and TransUnion between MayXX/XX/XXXX and XX/XX/XXXX. I submitted proper documentation under 15 U.S. Code 1681c-2, including an FTC Identity Theft Report, a government-issued ID, proof of address, and marked copies of my credit reports identifying the fraudulent items. Despite this, the reporting agencies have failed to block or remove the fraudulent accounts and hard inquiries as required by law within the four-business-day deadline. This includes accounts from XXXX XXXX, XXXX XXXX XXXX XXXX, and numerous unauthorized inquiries from financial institutions. I am requesting that the CFPB take enforcement action to compel compliance and have these accounts and inquiries permanently removed as required 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 explanation
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-25 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to formally dispute inaccurate negative items on my Equifax credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. These items are causing significant harm to my creditworthiness and violate my consumer rights due to Equifaxs failure to verify their accuracy prior to reporting, as mandated by XXXX XXXX. XXXX. 
Disputed Item : Account : XXXX XXXX XXXX, Account Number XXXX Issue : Inaccurate late payment reporting and negative remarks in the payment history. 
The payment history reported for this account is incorrect, and Equifax has failed to conduct a reasonable investigation to verify the accuracy of this information. This violates FCRA requirements for accurate reporting and timely dispute resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have tried using my AMEX gift cards at multiple online retailers and have been declined at every single one despite having funds available on the card. Without a way to link the card to my name or address, I can not use the prepaid cards at any online retailer. 

I did try linking the gift cards to XXXX to see if having a third party verify for online retailers that I do have funds on the cards, but that was declined as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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