vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
My information was imposed to the data breach. I have many fraudulent accounts reporting to my credit report. Under the FCRA rights I demand all unauthorized accounts to be removed. These accounts and inquiries are : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 I do not recognize these accounts

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 2025-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC
State: SC

Complaint narrative:
I am filing this complaint to report potentially deceptive and intimidating debt collection practices by a company that initially identified itself only as Debt Settlement, later linked to Structured Settlement at XXXX XXXX XXXX XXXX XXXX, XXXX, Nevada. Upon further investigation, I discovered this operation appears to be connected to Nationwide Capital Services , LLC. 

On XX/XX/year>, at approximately XXXX XXXX I received a call from a representative who claimed there was a lawsuit pending against me, and that legal documents had already been sent to my home and my employer. This caused me significant distress and fear. However, once I reluctantly agreed to a payment plan, the representative contradicted her earlier statement by saying that no documents had actually been sent suggesting the initial threats were used to intimidate me into quickly making a payment arrangement. 

The representative also stated that because the amount owed was over {$2000.00}, the matter could be escalated into a felony, even though she acknowledged I had not committed a felony at that time. This remark was deeply distressing and felt like an aggressive scare tactic to pressure me into compliance. 

Furthermore, I was not informed of my right to dispute the debt or request a debt validation letter under the Fair Debt Collection Practices Act ( FDCPA ). When I asked for the companys official name, physical address, and proof of authorization to collect the debt, I was either brushed off, given vague answers, or met with hostility. One representative sounded frustrated and dismissive when I continued to ask basic questions needed to verify the legitimacy of the company and the debt. 

I now believe I was manipulated under duress to agree to a payment plan, without being given proper disclosures or validation. I am submitting this complaint in hopes that this companys practices will be thoroughly investigated for violations of 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 2025-06-05 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: EQUIFAX, INC.
State: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I opened the US Bank XXXX XXXX account through the official US Bank promotion website on XX/XX/year>. The promotion declared that I can earn a {$450.00} promotional bonus if I have a combined total direct deposit of {$8000.00} or more within 90 days of account opening. I made XXXX direct deposits of {$4000.00} on XX/XX/year>, XX/XX/year>, and XX/XX/year>. All three deposits should have combined more than {$8000.00}, and I should be eligible for this open account bonus. However, it has been more than 2 months now, and I still do not receive any promotional bonus from US Bank. 

I called US Bank ( with number XXXX ) on XX/XX/year>. The corresponding agent is very nice. She mentioned that she can not see the attached promotion code with my account opening. However, she is happy to help me file a request to attach another promotion code, which will be able to provide me a {$300.00} bonus with a {$5000.00} or more direct deposit, or a {$500.00} bonus with a {$10000.00} or more direct deposit within 90 days. She also mentioned that since I called in within 90 days of account opening. I should be eligible and just need to wait around 2 to 3 business days, and I'll automatically receive the new bonus in my account. 

However, I still do not receive the bonus after a week. Therefore, I called US Bank ( with the same number XXXX ) again on XX/XX/year>. This time, the new agent is not willing to provide me any information and does not want to provide any estimated timeline to resolve the issue, nor whether the issue will actually be resolved 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 monetary relief
Consumer complaint received 2025-06-05 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: FL

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 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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights.

You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( XXXX ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. XXXX confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, over XXXX hard inquiries were placed on my credit reports by various financial institutions, auto dealers, and credit issuers many of which I never directly applied to. These include : 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 XXXX XXXX XXXX XXXX and others . 

I either : Never submitted a credit application to these companies, Authorized only one inquiry for a loan or credit decision, or Was subjected to shotgunning where my information was shared and used to run multiple inquiries without my knowledge or explicit permission. 

This pattern of unauthorized access constitutes a violation of FCRA 604 ( a ), which requires that all inquiries be made for a permissible purpose with informed consumer consent. I contacted the credit bureaus and/or creditors and either received no adequate response or was referred in circles.

This excessive and unauthorized inquiry activity is damaging my credit profile, inflating perceived risk to lenders, and violating my rights under FCRA 1681b, 1681c-1, and 1681n. These inquiries were made without proper cause or documentation, and no corresponding credit accounts or offers followed from many of them indicating they lacked a legally valid basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accounts listed in my credit file, which I believe to be the result of identity theft following the 2017 Equifax data breach, in which my personal information was compromised without my consent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting an immediate investigation and the removal of the accounts I have identified as fraudulent. The FCRA mandates that credit reporting agencies must investigate disputes within 30 days, but given the urgency and the clear connection to a well-documented data breach, I am requesting the removal of the inaccurate or fraudulent accounts within 4 business days.Furthermore, under the FCRA 1681c-2 ( Blocking of information resulting from identity theft ), I am asserting my right to have all information resulting from identity theft permanently blocked from my credit report. Please consider this a formal dispute and request for deletion. I have included relevant supporting documentation ( if applicable ) and expect prompt action in accordance 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 non-monetary relief
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I am filing this complaint against Equifax Information Services LLC regarding the inaccurate and incomplete reporting of the account listed as : XXXX XXXX XXXX  XXXX ( Closed ) Account No. : XXXX This account is being reported as a charge-off with multiple late payments, which is factually incorrect. Additionally, the reporting is incomplete, as it fails to provide the full account number or proper contact information for the original creditor, which hinders my ability to verify or validate the debt directly. 

Key Issues : 1. Inaccuracy in Reporting : The account is inaccurately listed as a charge-off with delinquent payments. 
There is no factual basis for the negative reporting reflected on my credit report. 
2. Incomplete Information : The account is missing critical identifying information, including the full account number and an appropriate contact number or address for the original creditor ( XXXX XXXX  XXXX XXXX 
Without these details, I can not initiate direct verification or dispute with the original furnisher of the data. 
XXXX. Failure to Properly Investigate : It is unclear how Equifax is verifying this account during dispute resolution when even the full account number is not available to identify the debt. 
Equifaxs continued reporting of unverifiable or incomplete data raises concerns under the Fair Credit Reporting Act ( FCRA ). 

Legal Support : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), credit reporting agencies are required to : Conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer. 

Further, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the court held that : A credit reporting agency may not rely solely on the original source of the disputed information. Instead, it must conduct an independent investigation to determine the accuracy of the information. 

Equifax has failed to meet the standards set in both 15 U.S.C. 1681i ( a ) and XXXX XXXX XXXX XXXX, as it continues to report unverifiable and inaccurate information, and no reasonable investigation appears to have been conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$19000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$19000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief