vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

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 2025-08-04 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
documents are attached I asked that my loan amount be decrease due to insurance payment made. USAA did not offer GAP insurance and the payment from insurance is less than the amount owed.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to 15 USC 1681 I have the right to dispute inaccurate and unverifiable information thats on my credit report. I disputed multiple times with the credit bureaus and its coming back as updated and verified without a proper investigation. The company has failed to send me any information I requested even with my other complaint they never sent verification of debt, the ORIGINAL contract bearing my WET SIGNATURE, an explanation of the amount, and how it was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bear Claw Lending dba Lucent Cash
State: NV

Complaint narrative:
I received a loan from XXXX XXXX in the amount of {$650.00}. After making XXXX payment, the balance quickly increased to over {$800.00} within about a month. Based on the payment schedule and terms, the effective XXXX appears to exceed 600 %, which I believe is predatory and not clearly disclosed in a fair or understandable manner. 

Although the lender agreed to delay my next payment by a week, the overall cost of the loan is still unreasonably high and seems designed to trap borrowers in a cycle of debt. I was not given a realistic explanation of how fast the balance would grow or how much I would end up owing. I believe this loan violates fair lending practices, especially for financially vulnerable borrowers.

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 2025-08-04 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: OH

Complaint narrative:
delete these inaccurate adresses on 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 2025-08-04 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: CA

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were made in my name, and these companies pulled my credit report without my knowledge, consent, or authorization. I do not recognize these inquiries, nor did I apply to or engage with these entities in any way.

It is deeply troubling and insulting that my rights as a consumer have been violated in this manner. As a law-abiding citizen, I find this situation completely unacceptable.

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 2025-08-04 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: IL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> inquiry I didnt apply or have account

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 2025-08-04 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-08-04 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: OH

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Enterprise Systems, Inc.
State: NY

Complaint narrative:
National Enterprises Systems has made harassing phone calls to distant relatives and my employer with threats of things that will happen to me. They are sharing personal loan information details, amounts owed for loans and calling relatives and employers that were not co-signers or legal obligation signees. XXXX XXXX with National Enterprise Systems at XXXX and XXXX ext XXXX is making numerous harassing phone calls to include distant relatives and my employer.

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 2025-08-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: WI

Complaint narrative:
I filed a dispute with Direct Express debit card on XX/XX/year> for a atm transcation made on XX/XX/year> for a {$500.00} withdrawl. The atm did not dispense correct amount. XXXX XXXX  completed a reversal credit Transcation ID ( XXXX ) to my account on XX/XX/year>. I withdraw the funds once I saw they were available on XX/XX/year>. On XX/XX/year> Direct Express gave provisional credit Transcation ID ( XXXX ) in the amount of {$180.00}, on XX/XX/year> Transaction ID ( XXXX ) a reversal debit took place Drirect Express withdraw {$180.00}, on XX/XX/year> Transcation ID ( XXXX ) Direct Express withdraw another {$180.00} which made my account negative. They withdraw the monies out of my account on XX/XX/year> when my kids benefits were deposit into my, account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OH

Complaint narrative:
under law ( FCRA ) 15 u.s code 1681i and ( FDCPA ) 15 u.s code 1692g I can not verify or do not recognize these debts as mine there for i would like to write a demand for removal off my credit report these are reporting to my credit report negativley and affecting me which is a violation of my rights ive requested a debt validation letter from the following collection comapnies XXXX XXXX XXXX opened XX/XX/year> in the amount of XXXX XXXX XXXXXXXX XXXX XXXXXXXX opened XX/XX/year> in the amount of XXXX XXXX I C SYSTEMS in the amount of XXXX $ opened on XX/XX/year> please make me XXXX seperate credit dispute letters for each company with these laws and write to all XXXX barues XXXX  XXXX  XXXX  and the cfpb on each letter

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 2025-08-04 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, and I am requesting an urgent investigation into multiple fraudulent and inaccurate accounts appearing on my credit reports across XXXX, XXXX, XXXX. Specifically, there are XXXX collection accounts and a fraudulent finance account that I didn't authorize, open, or benefit from in any capacity. These accounts were opened without my knowledge or consent ad are the direct result of identity theft. I have never entered into any agreements with the listed creditors or collection agencies. I have filed an FTC identity report, as well as a police report, and have taken all appropriate steps to notify the credit bureaus and creditors of this identity theft. Despite my efforts these accounts continue to report inaccurately, which is causing significant harm to my credit profile and financial opportunities. I am requesting permanent deletion of all fraudulent and unverifiable accounts from all three credit bureaus and an immediate update of my credit file to reflect accurate, verified information only. This situation violates my rights under the FCRA including sections 609 & 611. If the entities involved can not provide written proof with my signature and full verification of the alleged debts, they are required by law to cease reporting and delete these accounts. I request the CFPB to assist in ensuring these accounts are removed from my credit profile across all major bureaus and that the responsible furnishers are held accountable for their failure to accurately verify and investigate. Pease confirm when these accounts have been removed, and my credit profile updated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
XXXX is inaccurately reporting late payments to my credit file.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex is inaccurately reporting late payments to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America decided to allow my account negative once again after telling them twice to please make sure my account is set up for non sufficient funds so transaction can be denied. They have still allowed my account to go in the negatives, this time for {$270.00}

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 explanation
Consumer complaint received 2025-08-04 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: OH

Complaint narrative:
Dear Experian, This letter serves as a formal dispute of inaccurate information on my credit report and a complaint regarding your recent denial of my dispute requests. I previously sent dispute requests via mail, which you rejected with the following boilerplate message : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' You then directed me to call or use your website. I must strongly assert that your refusal to process my mail-in dispute is a direct violation of your obligations under federal law, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) clearly states : " Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reinvestigation of the disputed information ... '' This statute does not restrict the method of consumer notification to online portals or telephone calls. My mail-in dispute constitutes direct notification to Experian, and you are legally obligated to conduct a reinvestigation based on this notification. Your unsubstantiated claim that my request " does not appear to have been sent directly by me or to be authorized by me '' is a baseless pretext for avoiding your legal duty to reinvestigate. I demand that you immediately cease your unlawful practice of denying valid mail-in disputes and promptly initiate a reinvestigation into the disputed items listed above, as required by the FCRA. I expect a response confirming the initiation of this reinvestigation within the legally mandated timeframe. 

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 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
I ordered groceries from XXXX and XXXX XXXX  with the XXXX XXXX XXXX, they then locked my account for 3 days when I was told the XXXX wait time was XXXX hours and the weekend wouldn't effect it ( which it did ) after the first contact made on XX/XX/XXXX I was told it was for my protection and that I would only need to wait XXXX hours for this to be over and with it just being unlocked XXXX mins ago that is no XXXX hours. Cash app has a pattern of doing this to multiple customers and holding accounts up to months with no reasoning behind it.

Company response to consumer: Closed with explanation