vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Protection Act ( CFPA ). Specifically, Cash App failed to make timely and effective Measures to prevent and address fraud on their platform, leaving my account vulerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant and inconvenience and financial loss and I seek appropriate readdress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
XXXX in XXXX XXXX on XXXX XXXX was unfair in the negotiations and terms of agreement with the XXXX XXXX XXXX  car purchased by XXXX XXXX the car I was unable to keep and it got repossessed due to high interest rate rates the car interest rate at 18.9 % and I was paying XXXX for insurance XXXX for the car also and it was a used car with XXXX miles And the car had broken down on me about three times also so they sold me a piece of XXXX car on top of I put XXXX down for a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
This account was charged off XXXX of XXXX  and since has been updated as charge off every month. This is an update in payment history. Charged off accounts should not have an active payment history. This inaccurate information falsely manipulates the statue of limitations. You have failed to investigate properly and your neglect has violated my rights. I demand the deletion of account. Account : XXXX XXXXXXXX XXXX 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 2025-05-23 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: NY

Complaint narrative:
This complaint is being filed to address and correct multiple inaccuracies in the personal information section of my Experian credit file. First, the name being reported as XXXX XXXX XXXX is not my full legal name as it currently appears on my government-issued identification. Additionally, Experian is incorrectly listing variations of my name such as XXXX and XXXX , which are not aliases or authorized name variations and may have been added without validation. On top of that, the outdated address of XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, dated XX/XX/year>, should no longer be associated with my file as it is obsolete and potentially contributing to misidentification. 

As per 15 U.S.C. 1681e ( b ), Experian is legally required to ensure that the personal information it reports is accurate and up-to-date. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is obligated to conduct a reasonable reinvestigation of any disputed information and delete any entry that can not be verified through reliable documentation. Continuing to list outdated names and addressesespecially ones that could link my file to unrelated dataviolates the FCRA and undermines the reliability of the report as a whole.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX opened a credit card account in my name without my consent in XXXX of XXXX. Made numerous attempts to have them close the account and they refused. Hired an attorney to communicate with XXXX XXXX XXXX and bank refused to close account and instead sold account to themselves under the guise of Midland credit management. I have previously placed a complaint here in XXXX and it wasn't resolved. I have contested the collection with all 3 credit bureaus and it still shows on my credit report. 
Law 15 USC 1692c ( c ) THIS LAW CLEARLY STATES if a consumer notified debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. Reporting to my consumer report is a form of communication, which is in clear violation for this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I contact the Wells fargo for them to stop having XXXX XXXX to withdraw money from my account and I told them to lock my bank account but they did not so that causes my account to go overdraft more than {$1000.00} and that what made Wells fargo close my bank account. And they didnt want to refund 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I received a new collection on my credit report from a company Ive never heard of before for payment from a that was settled years ago. Never received any information on disputing this information. Which is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
I am the victim of identity theft. There are fraudulent accounts on my credit report that I did not open, including accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I have submitted an Identity Theft Report through the FTC and included a copy of the report with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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 formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lac Courte Oreilles Financial Services II
State: TN

Complaint narrative:
This company has been constantly harassing me since XXXX through phone calls and texts messages about a debt I dont believe is mines. My information was involved in multiple data breaches leaving me with accounts in my name that I never opened. I contacted the company multiple times to tell them about the situation and ask to to investigate the matter. I asked how the account was opened and they told me it was opened online. They had no way of providing that it was me that opened the account so I asked them to stop contacting me about this debt until they do a full investigation. The never investigated the debt and refused to stop harassing me. I offered to send them the FTC Report I filed, but I never heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: U.S. BANCORP
State: IL

Complaint narrative:
I am writing to formally dispute to US BANK for an unauthorized hard inquiry that has appeared on my credit report. I noticed that US BANK conducted a hard credit inquiry without my knowledge or consent. I did not apply for credit with this company, nor did I authorize them to access my credit report in any form. 
This action constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, which clearly limits when and how a company may obtain a consumer 's credit information. Under this law, a hard inquiry is only permissible if it is connected to a credit transaction initiated by the consumer and with their explicit consent. This unauthorized inquiry not only represents an invasion of my privacy but also has the potential to negatively affect my credit score. I reached out to US BANK to request the immediate removal of the inquiry and to obtain documentation showing I gave consent. I have received no response or resolution. I am therefore requesting that the Consumer Financial Protection Bureau investigate this matter. I would like the US BANK to provide written proof that I authorized this inquiry or, failing that, immediately remove the inquiry from all consumer reporting agencies, including XXXX XXXX XXXX XXXXXXXX, and any secondary bureaus such as XXXX or XXXX, if applicable. Additionally, I request that the company cease and desist from further accessing my credit information without a permissible purpose and that they notify all relevant credit bureaus of any updates or corrections made. 
Please find attached documentation showing the inquiry as reported on my credit file and any communications I have had with the company. I certify that the information provided in this complaint is true and accurate to the best of my knowledge

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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: WI

Complaint narrative:
For the XXXX XXXX, I was charged an annual fee of {$35.00} by XXXX XXXX, Concord Credit, and then they started charging me {$3.00}. I simply thought that I would no longer be charge the annual since they had broken it up by month. Today, I actual read my credit card statement and they charged both within this last Payment Closing period ending in XX/XX/XXXX. I called and talked to a customer service agent. Not only did he tell me I had to pay both but he refused to take either one off my bill. This was underhanded. While paying the XXXX XXXX monthly fee, I never noticed that both were being charged. The agent further informed me that annual fee of {$35.00} was charged the first year and the XXXX XXXX monthly fee started in XX/XX/XXXX. Can they do this legally? It seems they are double charging me for the same calendar years, one once a year and the other each month. Both fees seem not only redundant but duplicit. The agent agreed to send the requested original terms of agreement by mail within XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 explanation
Consumer complaint received 2025-05-23 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, 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 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 explanation
Consumer complaint received 2025-05-23 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: 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, 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 requesting the deletion of a charged-off auto loan reported by XXXX XXXX XXXXXXXX on my Experian credit report. This account has already been removed from both XXXX and XXXX due to lack of verification. However, Experian continues to report it, which creates an inconsistency across my credit reports. 

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2, furnishers are required to report accurate and complete information. Under FCRA 1681i, credit bureaus must conduct a reasonable investigation of any disputed information. Despite my dispute, XXXX XXXX XXXX failed to provide any supporting documentation or evidence verifying the account. Experian verified the account without requiring or sharing proof of accuracy. 

This tradeline is unverified, incomplete, and inconsistent with my other credit files, and is therefore in violation of FCRA. I am requesting full deletion of this account from my Experian credit report due to the failure to verify the information and the resulting harm to my credit. 

The continued reporting of this unverifiable account is not only inaccurate but also unjust, as it damages my credit despite the creditors failure to validate the debt when challenged

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 2025-05-23 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: GA

Complaint narrative:
I am submitting this complaint due to the ongoing failure of the credit reporting agency to properly investigate and correct inaccurate information on my credit file, despite multiple formal disputes the most recent of which was submitted on XX/XX/XXXX. 

The agency continues to report inaccurate and potentially unverifiable accounts and inquiries without complying with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, I have received generic responses stating that certain accounts were " verified, '' yet I have not been provided with the required method of verification as outlined in 15 U.S.C. 1681i ( a ) ( 7 ). 

Disputed Items : Accounts : XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX XXXX  ( Account # XXXX ), Date Opened : XX/XX/XXXX Inquiries ( Not Authorized ) : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Despite my repeated attempts, the credit reporting agency has failed to provide the following : A description of the method of verification used to verify each item. 

The name and contact information of the data furnishers responsible for the reporting. 

Any supporting documentation used to verify the disputed items. 

This lack of transparency and failure to reasonably investigate my disputes is a direct violation of : 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ), and 15 U.S.C. 1681i ( a ) ( duty to conduct a reasonable reinvestigation ).

My Request : I previously issued a final written demand giving the agency 15 days to : Reinvestigate all disputed accounts and inquiries. 

Provide the full method of verification and supporting documentation. 

Remove any items that are inaccurate or can not be verified. 

Issue an updated copy of my credit report reflecting these corrections.

Company response to consumer: Closed with non-monetary relief