vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aqua Finance, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I financed a XXXX water treatment system through Aqua Finance, originating from a dealer referred by XXXX XXXX. The system was financed for {$6100.00} at XXXX XXXX APR, and I have been making XXXX XXXX monthly payments since that time. To date, Ive paid {$4200.00}, but only {$1700.00} has gone toward principal. I still owe over {$4400.00}, despite nearly XXXX years of paymentsdemonstrating a deeply unbalanced and deceptive loan structure. 

The product has failed multiple times, resulting in XXXX XXXX XXXX XXXX and significant cleanup effort. I was charged {$220.00} for XXXX minutes of service, with {$75.00} for every additional XXXX minutes, yet the system remains broken. Despite a lifetime warranty, the manufacturer has refused to cover repairs, and the original dealer is no longer in business. 

In XXXX, I entered into a confidential settlement with the original seller, which resolved prior disputes related to the sales process and product claims. However, that settlement did not relieve or address the ongoing financial obligation to Aqua Finance. The loan continues to accrue interest and report negatively on my credit. 

Why I Believe This Is Predatory and Deceptive : The low monthly payments ensure the principal barely decreases, trapping me in long-term debt. 

Loan structure was not properly disclosed or explained during purchase. 

The product has failed, the dealer has vanished, and warranty coverage is denied, leaving me with a nonfunctional unit and continued debt. 

The situation matches Aqua Finances prior FTC enforcement case in XX/XX/XXXX, which resulted in {$43.00} XXXX in consumer relief for similar lending abuses. 

Relief Requested : Cancellation of remaining loan balance Removal of Aqua Finance account from my credit report Inclusion in FTCs existing or future consumer relief programs Impact on Me : Emotional distress and financial burden Damage to credit score XXXX XXXX, cleanup effort, and expensive service fees Time, frustration, and unresolved product failure despite continued payment obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding Transunion 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit # XXXX proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. 

I am submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my TransUnion FICO credit report, which I do not recognize and are the result of identity theft. These include : A XXXX XXXX XXXXredit card opened on XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) A XXXX XXXX XXXX loan from XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX loans from XX/XX/XXXX ( Accts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) An XXXX secured loan from XX/XX/XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) These accounts have caused fraudulent hard inquiries and collections. I request their immediate removal from all credit reports and demand all related collection activity cease, per my rights under the FCRA and FDCPA.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for and it might've been done online without my knowledge. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing me ongoing stress and anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I never opened these counterfeit accounts and was knowledgeable of their existence, I demand that they be removed from my credit report. I'm asking them to be deleted within XXXX  days in accordance with USC 1681g. Relevant documents are enclosed as evidence.

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 2025-05-09 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: MO

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NJ

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit # XXXX proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the XXXX business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunion 's failure to uphold consumer protections under the FCRA. 

I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts on my Equifax credit report due to identity theft. These include : a XXXX XXXXXXXX credit card opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 DPT EDXXXX 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. These accounts led to fraudulent hard inquiries and collections. I request immediate removal of these items and cessation of all related collection activity under my rights per FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
These accounts seem to be fraudulent and were not opened by me. I urge you to thoroughly investigate and delete them off my credit history. The necessary supporting documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I am unaware of about these inquiries, and I believe they're not approved. I urge you to act quickly to resolve this matter. Please find the supporting documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
This is my second complaint, response to complaint number XXXX. Portfolio Recovery Associates LLC responded with an attachment " XXXX ''. The address the agency mailed it to is not and has never been associated with me. The agencies is causing damages by violating my rights. 

I am escalating this complaint regarding Portfolio Recovery Associates XXXX Bank Account XXXX XXXX due to egregious violations of the Fair Debt Collection Practices Act ( FDCPA ) and refusal to comply with federal consumer protection laws. Violation Summary : Failure to Provide Mandatory Validation Notice ( 15 U.S.C. 1692g ) : Per the FDCPA, the collector is legally obligated to send a written debt validation notice within XXXX ( XXXX ) days of initial communication. I have never received such notice, nor has the collector produced documentation ( e.g., certified mail receipt, electronic delivery confirmation ) proving compliance with this requirement. Willful Non-Compliance : Upon formally disputing the debt and requesting validation under 15 U.S.C. 1692g ( b ), the collector explicitly stated they are " not obligated to provide evidence '' of validation. This assertion is false and constitutes a direct violation of federal law. Harm to Consumer Rights : By furnishing unvalidated debt to credit bureaus, the collector has unlawfully impaired my creditworthiness and denied me due process to investigate or dispute this alleged debt. Demands : Immediate Deletion of this account from all credit bureaus ( XXXX XXXX XXXX ). Cease All Collection Activity, including credit reporting, until full compliance with FDCPA is achieved. Documentation proving strict adherence to 15 U.S.C. 1692g ( a ), including a copy of the initial validation notice and proof of delivery ( e.g., USPS tracking, signed receipt ) within 5 calendar days. Legal Action Notice : If these demands are not met within 15 days, I will pursue all available remedies, including : Filing a civil lawsuit under FDCPA ( 15 U.S.C. 1692k ) for statutory damages of {$1000.00} per violation, actual damages, and attorney fees. Submitting complaints to the FTC, State Attorney General, and Consumer Financial Protection Bureau ( CFPB ) for willful non-compliance. Petitioning credit bureaus for removal under FCRA 611 due to unverified information. I have attached previous correspondence demonstrating their refusal to validate. This agency 's failure to validate the debt voids any legal authority to collect or report it. I demand prompt resolution to rectify this violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On Friday, XX/XX/XXXX, I received a text and a email message from Chase stating " After careful review, we've made the decisions to close your accounts. A letter will arrive in the next few days describing the next steps you need to take on your account ''. 
On the same day, I called the number provided in the email. I spoke to a representative from Chase XXXX XXXX who told me all my accounts are being closed, and she could not tell me the reason why and I was not able to speak to a XXXX. 
On Monday, XX/XX/XXXX, I went to the Branch of JP Morgan chase on XXXX XXXX in XXXX ( corner of XXXX and Park ) where I spoke with a banker. The banker indicated that he could see my accounts are flagged to be closed. He called the Chase XXXX XXXX XXXX himself with me present, and was not able to obtain a reason. We then spend XXXX minutes going through my banking activity on all my accounts, and he did not identify any obvious reasons as to why my accounts were closed. I did not have large international transfer, gift card purchases, or large cash deposits that is normally flagged as suspicious. He said there was nothing he could do and said that I needed to move everything before XX/XX/XXXX. 
I then received the letter ( letter is dated XX/XX/XXXX but I received it on Monday XX/XX/XXXX ). The letter states that all my accounts will be closed and that " during the course of ongoing monitoring, we identified concerning activity on your account '' without specifying any more details. The letter states that all my accounts : XXXX checking account in my name, XXXX sub-checking accounts for my kids ( XXXX and XXXX ), and XXXX credit cards accounts. 
I have been with JP Morgan chase since XX/XX/year>, all my payments ( Paycheck, mortgage ) are linked to them. This is a major inconvenience in term of time, money, and effort to move everything. In addition, closing the accounts will likely hurt my credit. The formal letter was received XX/XX/XXXX, with instructions to move everything in less than XXXX weeks after banking with them for XXXX years. 
I find it unacceptable that JP Morgan Chase is not providing any reasons or ways for me to appeal this decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-05-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: GA

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional 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 2025-05-09 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: Radius Global Solutions LLC
State: PA

Complaint narrative:
I have submitted XXXX disputes about the same collection account to XXXX  and they refuse to fully look into it. After the XXXX  dispute, Radius Global sent a summary from XXXX XXXX XXXX that showed an address that I had never lived at. On the XXXX  dispute I pointed that out and questioned why they have not fully looked into this account when I have disputed it in the past and the results of the XXXX  dispute came in today, XX/XX/year>, as the same as the other XXXX. I have never had an XXXX XXXX XXXX XXXX  account and never lived at the address XXXX XXXX XXXX had on file for the account. My XXXX  servicer is XXXX. There must have been an ID to make this purchase and that has not been provided and why was XXXX XXXX XXXX allowing this purchase to occur without doing any due diligence when the address was no where near where I live. If it was done online then they should have forced the person to come into the store to complete the purchase to match the ID to the person because it sure as XXXX wouldnt have matched.

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