vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NJ

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 2025-06-19 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NJ

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2025-06-19 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:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-19 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:
b'I had left the previous bank of XXXX XXXX across the street from the XXXX XXXX  library where my old manager of the XXXX XXXX XXXX who\'s name was XXXX  now going by "XXXX," opened my account and her co worker XXXX XXXX XXXX and officer XXXX XXXX of the saint martin parish police is working the counter all plotted against me to steal my sign on bonus like XXXX  did at XXXX XXXX  hence why I went to US Bank so when XXXX XXXX did the same thing to me at the US Bank Tower downtown XXXX XXXX it became clear to me what they were doing. Every single time I launched a complaint into the issue they individually contacted US Bank and told them the same story but not as if they were adding into the story from the previous one but they are calling for the first time so they could get thaXXXX XXXX bonus which it was supposed to be XXXX each time . The bank approved to 3 separate times and I was supposed to receive it back in XXXX  but I have not received it and the excuse each time was that my account overdrafted by XXXX in XXXX  because one of their friends XXXX, purposely overdrafted my account by purposely pending transactions on my account to hold to see if I would notice they took another XXXX XXXX XXXX out of my account this time because they have been stealing from my accounts at address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for over XXXX  years now and not one thing has been done about it but this time I would like to press charges because when they make me run out of money they then attempt to make everybody believe it\'s of course drug or mental health incapacity related which is basically XXXX XXXX related as they want to disown me because im not letting them traffick me anymore . I want to speak to your attorney'

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
b'Account open fraudulently, using information and name without authorization'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: VA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. 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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
DID NOT OPEN THE CREDIT CARD, I WAS XXXX IN THE XXXX. MY OLD ADDRESS WAS USED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To : Consumer Finance Department Transworld Systems Inc XXXX XXXX XXXX XXXX  DE XXXX Subject : Failure to Respond to Debt Validation Request Account # XXXX To Whom It May Concern, On XX/XX/XXXX, I submitted a formal written request for debt validation to Transworld Systems Inc. regarding an alleged debt associated with account number XXXX, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that letter, I requested specific information to validate the debt, including the name of the original creditor, a detailed breakdown of the amount owed, a copy of any signed agreement, and proof of licensure to collect in my state.

As of today, more than 30 days have passed since the date of receipt, and I have not received any response or validation of the debt from Transworld Systems Inc. This lack of response is in direct violation of the FDCPA, which mandates that debt collectors provide requested validation before continuing any collection efforts.

Therefore, I am requesting the Consumer Finance Department to investigate this matter and take appropriate action against the collector for failing to respond within the statutory timeframe. I also request that all collection activity and any reporting of this unvalidated debt to credit bureaus be immediately ceased. 

Please confirm receipt of this complaint and let me know if any further information or documentation is required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
I recieved a letter from the court saying the company LDVLAW renewed a law suit on XXXX I was never giving a court date or ever new I was being sued. I asked for Validation of the Law suit and LDVLAW hung up on me because the asked me for my Social Security # # and I would not give it. And the lady said I cant help you without giving me your Number. I called back on XXXX and same thing happen.They will not tell me what this judgment is for or about.Midland funding said they had a judgment on XXXX I never received any court papers for this. Now 12 years later they renewed this in court. And LDVLAW is trying to get money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MD

Complaint narrative:
Wondering the XXXX I put {$77.00} on my time checking to pay for my daughters hair after that process through. I put {$62.00} in my account for savings just to hold over and my check at XXXX the same night all of the money was gone out of the account All of it and I have been waiting since XX/XX/XXXX for a pending dispute that hasnt been resolved, and I would like to seek out a lawsuit against chime because they are still having someone take out money from the account and there is no money in the account from XXXXXXXX XXXX I dont play games on my phone and also my XXXX  account has been hacked during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I am writing to request the removal of fraudulent information from my credit report, as I am a victim of identity theft. Several accounts and inquiries listed are unauthorized and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), please block and remove these fraudulent items. I have attached an FTC Identity Theft Report along with a list of the disputed accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
I closed my checking an account on XX/XX/XXXX at wesbanco in person. They reopened my account around XXXX XX/XX/XXXX to process and pay a XXXX dollar ach debit. This should not have been able to process

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In the case of my complaint letter addressed to Citibank and Best Buy, a deep-rooted concern arises from the intricate partnership between the two entities. Best Buy and Citibank 's collaboration, particularly in credit card services, showcases a process where Citi conducts soft inquiries on Best Buy customers based on an agreement between the two companies. This results in Citibank having the authority to determine a customer 's fate solely based on their credit score, without the customers themselves initiating any new credit applications or demonstrating poor usage with Best Buy. For me, this became evident as my credit score plummeted significantly, despite maintaining a healthy {$2000.00} credit balance with Best Buy without any signs of risk or payment delinquency. It became apparent that Citibank unilaterally shut down my account, though Best Buy emerged as a significant player due to its representation in managing the account. The ramifications were not limited to just my credit score, as my daughter, who is an esteemed XXXX serving in the XXXX XXXX XXXX, XXXXuffered repercussions on her credit profile as well. In an attempt to seek resolution, I extended a mediation and settlement offer totaling {$20000.00} to both Best Buy and Citibank, only to have it rejected. The situation at hand highlights a concerning pattern of intentional exclusion wherein certain individuals or groups are subjected to discriminatory credit practices, barring them from fair credit opportunities based on protected characteristics. This case underscores the urgent need for accountability and transparency in credit assessment processes to uphold the principles of fairness and equality in credit access. This occurred XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: KY

Complaint narrative:
I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. This is false because there a number of inaccuracies on my consumer report that still remain. They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ) .I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 30 days to respond the description or else above listed accounts need to be removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: DISCOVER BANK
State: DC

Complaint narrative:
I disputed a charged-off credit card account with Discover for {$18000.00}. Discover failed to provide validation, a signed agreement, or proof they still own or service the debt. I believe the account may have been securitized or sold, and Discover no longer has legal standing to report it. I requested the method of verification from XXXX  under 15 U.S.C. 1681i ( a ) ( 7 ) but received no documentation or response. The dispute was marked investigation complete without findings.This violates FCRA 1681i, 1681s-2 ( b ), 1681b, FDCPA 1692g, and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NY

Complaint narrative:
multiple phone by this collection agency regarding a credit account owed from XXXX  which not mines under the fair credit act law this agency continue to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
While reviewing my credit report, I noticed several inaccuracies that violate my rights as a consumer under FCRA law. FCRA 607 ( b ) : Requires furnishers to maintain procedures to ensure the " maximum possible accuracy '' of the information they report. Under 15 U.S.C. 1681i, I am disputing the accuracy and legitimacy of the following collection accounts, which I do not recognize or acknowledge as valid debts :

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