vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: CT

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B - 15 USC 1692A - 15 USC 1692A-3 - 15 USC 1692A5 ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Important dates : Original filing date XX/XX/XXXX Latest status date : XX/XX/XXXX Additional details : Reference number : - XXXX Record type Bankruptcy 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 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 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 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 XXXX5 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681i ( 5 ) 15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B 15 U.S.C 1666 B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
Someone stole my identity while I was XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Brennan & Clark, Ltd., LLC
State: FL

Complaint narrative:
On XX/XX/year>, I received my first contact by XXXX XXXX XXXX about a debt to an insurance company I was in the process of firing. The insurance company alleged I owed them $ XXXX for XXXX, which I was disputing. I told the agent I was disputing it and that the Insurance company had reduced it to {$780.00}. I was meant to send them an email, which I didn't. The collections agency, XXXX XXXX XXXX, called me back on XX/XX/XXXX and demanded the money immediately. The agent said no and said they had sent multiple letters. I had received none. They finally agreed to give me until the end of this week, XX/XX/year>. While communicating with said agent, I asked which address he had sent them to. When he showed me the address it turned out it was an old address which I had requested my broker to change years ago. I spoke to my broker who assured they had file a request to change, but the insurer had fail to change. I felt it wasn't fair, so I looked into it and see they are required to provide me a written notice, by law, with a clear XXXX dispute window. I then proceed to request this written notice, but the agent is refusing to provide me with XXXX and keeps threatening me to pay by the end of the week, or else. They are clearly impeding on my rights as a consumer and would like to file a formal complaint and have them follow proper procedure as per the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MI

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 explanation
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I am a victim of identity theft. My credit reports contain multiple fraudulent accounts and incorrect personal information. I have already submitted a formal dispute with supporting documentation, including my FTC Identity Theft Report, a 605 ( b ) letter, my lease, utility bill, Social Security number, and a detailed letter outlining the fraud.

The following accounts are fraudulent and must be removed immediately : XXXXXXXX XXXX Account ending in XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX in XXXX The following addresses also appear fraudulently on my report and must be removed : XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Mobile, AL XXXX My only valid address is : XXXX XXXX XXXX, XXXX XXXX VA XXXX. 

I have already attempted to have these addresses and accounts removed through the credit bureaus directly, but they remain on my file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA. The credit bureaus are legally required to block fraudulent information once proper documentation is provided, which I have submitted. 

Additionally, XXXX XXXX is listed as my employer, which is incorrect and should be deleted. 

Please review the attached documentation and enforce the permanent removal of these fraudulent items from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: VA

Complaint narrative:
I am a victim of identity theft. My credit reports contain multiple fraudulent accounts and incorrect personal information. I have already submitted a formal dispute with supporting documentation, including my FTC Identity Theft Report, a 605 ( b ) letter, my lease, utility bill, Social Security number, and a detailed letter outlining the fraud.

The following accounts are fraudulent and must be removed immediately : XXXXXXXX XXXX Account ending in XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account ending in XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account XXXX in XXXX The following addresses also appear fraudulently on my report and must be removed : XXXX XXXX XXXX XXXX, XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Mobile, AL XXXX My only valid address is : XXXX XXXX XXXX, XXXX XXXX VA XXXX. 

I have already attempted to have these addresses and accounts removed through the credit bureaus directly, but they remain on my file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and FACTA. The credit bureaus are legally required to block fraudulent information once proper documentation is provided, which I have submitted. 

Additionally, XXXX XXXX is listed as my employer, which is incorrect and should be deleted. 

Please review the attached documentation and enforce the permanent removal of these fraudulent items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Americas Car-Mart, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TN XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, AR XXXX Re : Account Number : XXXX Dear XXXX XXXX XXXX XXXX XXXX. 

I am writing regarding an auto loan debt you have contacted me about. I am disputing this debt and requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The name and address of the original creditor.

2. The amount of the debt, including any interest or fees.

3. An itemized statement detailing the medical services provided, the dates of service, and any payments made.

4. Copies of any documents that substantiate the debt and prove that I am legally obligated to pay it 5. Evidence that you are licensed to collect debts in my state.

Additionally, please cease all collection activities and communications until this debt has been validated. I also request that you do not report this debt to any credit reporting agencies until it has been verified If you are unable to provide the requested information, please notify me in writing and cease any further collection efforts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: 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, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit reporting agency to review these accounts ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. 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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.

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 2025-04-17 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed XXXX unauthorized XXXX transfers posted to my accounts for {$9500.00} each. Both of these transactions occurred at Bank of America XXXX 's in XXXXXXXX XXXX I reported these transactions to Bank of America immediately ( with in several hours of the transactions posting ) as fraudulent activity. I was provided XXXX dispute claim numbers. 

XXXX XXXX I have called Bank of America numerous XXXX XXXX XXXX XXXX XXXX additional information about how this fraudulent activity was allowed to occur within their own bank branches, and also to request provisional credit for their failure to properly handle my funds. These transactions fall under XXXX XXXX as the funds were accessed using a fraudulently obtained XXXX and transferred using the XXXX system. I would like Bank of America to follow the XXXX XXXX compliance and provide me my provisional credit.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am extremely frustrated by the continued presence of false information on my TransUnion credit report. These are not minor clerical mistakesthey are serious reporting failures that are damaging my financial credibility and blocking access to opportunities. Despite previous disputes, these inaccuracies remain unresolved, which shows a blatant disregard for maintaining accurate consumer data. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fully accurate and verified. If TransUnion can not provide clear, irrefutable documentation to support the reported information, it must be removed without delay. Im not askingIm demanding full compliance with federal law. Continued inaction will be treated as willful negligence. 

The following dispute items are inaccurate and must be addressed immediately : Inquiry 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 XXXXXX/XX/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 2025-04-17 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: NJ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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