vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MA

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 2025-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Independence Capital Recovery, LLC
State: FL

Complaint narrative:
This letter serves as a request for immediate investigation and resolution of these issues. I recently became aware that information about my account has been shared with third parties without my explicit consent. As you are aware, such actions may violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( b ), which explicitly prohibits debt collectors from communicating with third parties in connection with the collection of a debt without the prior consent of the consumer or the express permission of a court. Additionally, I believe this conduct may be in violation of other applicable consumer protection laws, including but not limited to the Gramm-Leach-Bliley Act ( GLBA ), which restricts the sharing of nonpublic personal information with unauthorized third parties. I demand that you immediately cease and desist from sharing my personal information with any third party without my prior written consent. Furthermore, I request a detailed accounting of all entities with whom my personal information has been shared, including the nature and purpose of each disclosure. Under my rights as a consumer, I am demanding that you provide the original purchase agreement that substantiates this claim, including all terms and conditions that comply with applicable consumer protection laws. Additionally, I am requesting the Forward Flow Agreement, Chain of Assignment, Insurance Claim of Debt, and my signature agreeing to pay. If you are unable to produce this documentation, I expect this matter to be closed and any negative reporting to be removed immediately from my credit profile. Furthermore, I was never offered arbitration regarding this matter, which is a fundamental right under various consumer protection statutes. Your failure to provide such an option is a direct violation of fair debt collection practices and due process. Any attempt to continue pursuing this matter without proper validation will be considered an act of bad faith and will be met with legal action if necessary. I expect a response within 30 days from the date of this letter. What I received from my initial complaint was not what was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: MA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-21 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:
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 XXXX take some time to respond but this is so unprofessional. My name is 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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am submitting a complaint against Cash App ( Block Inc ) due to insufficient customer support and unjust practices, which contravene the Consumer Financial Protection Act ( CFPA ). In particular, Cash App did not implement prompt and effective measures to prevent and tackle fraud on their platform, leaving my account exposed and unprotected. Additionally, their process for resolving disputes was unfair and misleading, as they failed to adhere to error resolution stipulations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in considerable inconvenience and financial loss, and I am seeking appropriate remedies for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am disputing every account Experian is reporting under my name. I have no contract, agreement, or consent with Experian neither bilateral nor unilateral authorizing the creation or maintenance of a credit file. There is no lawful consideration, no verified debt instrument, and no permissible purpose under 15 U.S.C. 1681b.

Experian is violating : 15 U.S.C. 1681e ( b ) Failure to maintain accurate and verified information 15 U.S.C. 1681g & 1681h Failure to disclose complete sources of data 15 U.S.C. 1681i Failure to properly investigate disputes 15 U.S.C. 1681s-2 ( a ) Reporting unverified, inaccurate information 15 U.S.C. 1692e & 1692g Deceptive debt collection and lack of validation Common law copyright law Unauthorized use of the name XXXX XXXX and the trust property of XXXX XXXX XXXX False Data Being Reported : Unauthorized names : XXXXXXXX XXXX and XXXXXXXX XXXX I have no known affiliation with these names ; they are being reported without my consent. 
Unauthorized addresses : The ONLY valid mailing address that should appear is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX. All others ( e.g., XXXX XXXX XXXX XXXX, XXXX FL ) are unrelated XXXX XXXX and should be removed immediately. 
Duplicate and sold accounts : Experian continues to report charged-off and third-party sold debts multiple times without verifying the chain of title, assignment, or original contract. 

I submitted notarized affidavits, a UCC-1 Financing Statement, my passport card, and a Copyright Notice all proving that Experian lacks authority to use or publish the copyrighted name, or report trust-related data.

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Novo Platform Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I signed up for a Novo Bank checking account through a XXXX link, offering a bonus of {$300.00} after maintaining a {$5000.00} balance for 90 days. During the application process, there was a space to add a referral code for another {$40.00} bonus after depositing my initial {$100.00}. I added a referral code at this step. After the XXXX days had elapsed, I contacted the bank because I had received the {$40.00} bonus, but not the {$300.00} bonus. I have probably made closed to XXXX communications with the bank. Each time, they reply that since I received the {$40.00} referral bonus, I could not have used the XXXX link to open my account. I have explained that this is incorrect, and I have provided screenshots showing the application presented through the XXXX  link, and the box it includes to enter a referral code ( I have uploaded screenshots of proof of this here ). Each time, they reject the evidence directly in front of them. I am not sure if this is incompetence, willful ignorance, or a scam to avoid paying out an advertised bonus. What I am sure of is that I know of a number of other people who are also facing this same, exact issue. 

Note : Novo Bank is a XXXX using banking services provided by XXXX XXXX XXXX, XXXX. ( routing # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
Subject : Dispute of Auto Loan Account Reporting Joint Account Error Dear Equifax, I am writing to dispute the reporting of an XXXX loan account that appears on my credit report under the following information : Creditor Name : California XXXX Account Number : XXXX Reported Status : Charge-off According to my records and understanding, I was only an authorized user. Therefore, this account is being inaccurately reported on my credit file. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting an immediate investigation into the accuracy of this information. If you are unable to verify that I am legally responsible for this loan as a joint obligor, I request that the account be corrected or removed from my credit report. 

Please investigate and respond in writing within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: NY

Complaint narrative:
XXXX writing to dispute a credit inquiry that appears on my report from a company Ive never dealt with. I never gave this company permission to access my credit, and I did not authorize this inquiry in any form.

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 2025-05-21 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: NC

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 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
THE BELOW IS WHAT I WROTE TO THEM ABOUT Hello there, I received a letter in the mail that my dispute was denied. Your reason was that I never provided additional information but I never received any requests to do so. I want to re open this dispute as I was in the lobby ON TIME waiting to board the plane and I was not allowed to do so for no reason at all even though I had been seating there for an hour waiting. I even approached them to ask if my row was coming up and they said yes. Anyways, after I was denied entrance to the plane I had to go to their kiosk to try to get another flight and they asked for ID and XXXX card not knowing they would charge me again! I never signed anything for such charge. Please help. 

THE BELOW IS THE ADDITIONAL INFO THEY LATER REQUESTED Good evening! Here are the details below but I am also enclosing a copy of the invoice : XXXX to XXXX - XXXX XXXX Take-off : XX/XX/XXXX at XXXX Landing : XX/XX/XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX XXXX Take-off : XX/XX/XXXX at XXXX Landing : XX/XX/XXXX at XXXX Confirmation number : XXXX XXXX XXXX XXXX was the one I wasnt allowed to board. I arrived at the designated gate with way plenty of time. I even approached them to make sure I was at the right gate and they confirmed it. A short while later I asked when my row was going to start boarding and they said that mine wasn't ready to yet. I was right there waiting and waiting and nothing was happening. I approached them again and then it was that I was told that I could not board it as the doors were closed. I was dumbfounded as I couldn't understand what was going on. I said, listen I have been here this whole time and I need to board that flight! They refused and had me go to their kiosk. I was rebooked into a way later flight and was asked for ID and XXXX  card which I figured was to check that was the one I used to pay for the fare which it was. I never signed anything, have them prove that to you. So, I finally got to my destination and 2 days later coming back they tried to do the same thing! This time I wasn't about to let them do it again. So many people at the airport complaining. I believe they oversell their tickets and have customers stranded! I for sure know that I will never ever use them again. This is unacceptable. Please help me. 

THEY JUST SENT THIS We've reviewed your {$240.00} debit card claim against XXXX XXXX XXXX. We've determined that the charge was valid for the following reason : You were charged for the amount you owed after receiving merchandise or a service. 

I was not provided with anything signed and to say that I was charged for a service I received is wrong. They charged me AGAIN as I had already paid for the flight DAYS BEFORE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting 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 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: MI

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting the TransUnion remove all the fraudulent account from my file that were opened without my permission. Please see the listed account below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance

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 2025-05-21 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: GA

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 2025-05-21 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 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 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 2025-05-21 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 any 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 of 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

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 explanation