vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please delete these fraudulent accounts and addresses from my credit report. They do not appear on my XXXX  or XXXX  credit reports. I have included my ID, SSN, Utility Bill, Passport, Picture of myself holding my ID. 


XXXX XXXX  Date opened XX/XX/XXXX Balance {$4900.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00} XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX Date opened XX/XX/XXXX Balance XXXX XXXX XXXX, Date opened XX/XX/XXXX Balance {$22000.00} XXXX XXXX  Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Please remove these fraudulent addresses from my credit report. 

I have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX have never lived at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX have never lived at XXXX XXXX XXXX XXXX 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Request for Deletion and Blocking of Accounts Due to Data Breach After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts 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 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 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yamaha Motor Finance Corporation USA
State: CA

Complaint narrative:
I recently filed a complaint to Yamaha motor finance corporation acct # XXXX. CFPB Complaint ID # XXXX In the complaint I stated I wanted a 1099C form as the account on my credit report shows the account was charged off which states that Yamaha motor finance corporation took a profit loss and a tax break but are reporting to my credit report as income charge off there for they should provide me a 1099C form. Yamaha motor finance company responded Please be advised that the Form 1099-C you requested is only provided if the charged off amount has been settled or if we have ceased efforts to collect on a debt still owed to us. To date, there has not been a settlement for the charged off amount of {$4900.00}, nor have we ended our collection attempts on the amount owed. ACCORDING TO THIS RESPONSE YAMAHA MOTOR FINACE CORPORATION IS STATING THEY HAVE NOT SETTLED THE CHARGE OFF BUT ON MY CREDIT REPORT THEY'RE STATING THEY HAVE, AS THE STATUS SITS CHARGED OFF THIS IS FRAUD THERE FOR I am writing to formally notify you of a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and to demand statutory damages for said violation And proceed to sue if not taken off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I received a debt collection notice from Resurgent Capital Services on behalf of LVNV Funding LLC regarding an account originally issued by XXXX XXXXXXXX XXXX with a claimed balance of {$650.00}. On XX/XX/year>, I received a packet that included an account statement and a payment summary, but it did not contain the legally required information to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

Prior to this, I submitted a formal written debt validation request. I specifically asked for a signed agreement establishing liability, an itemized breakdown of all charges and payments, documentation showing the full chain of ownership from XXXX XXXXXXXX XXXX  to LVNV Funding LLC, and proof that Resurgent is licensed to collect debts in the state of Georgia. None of this information was provided. 

Despite my written dispute and their failure to fully validate the debt, Resurgent has continued to pursue collection activity. I am requesting that all collection activity and any credit reporting be immediately paused until the debt is fully validated. If the company can not provide proper documentation, I am requesting that this account be removed entirely from their system and from any credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I received a Special Civil Part Contract Dispute from the XXXX XXXX XXXX New Jersey from a law firm debt collector named XXXX and XXXX, PA. I have been trying XXXX  contact them with the phone number provided XXXX pay a debt I owe XXXX avoid a court trial XXXX settle with them as stated by the court document. This XXXX has been ignoring my repeated phone calls with all information I provided leaving it on voicemail many times XXXX different people. No response back. Also, the receptionist transfers me XXXX  someone XXXX again voicemail, I call back explaining XXXX the XXXX only getting voice XXXX they say they will connect me with someone, again rolls into voicemail. Also, I've tried XXXX use option XXXX where it says, " XXXX make a payment without speaking XXXX someone press XXXX '', this rolls into someone voicemail. This clearly is the debt collector 's way of forcing a court trial without me having to clear this debt. Their phone options are deliberately intentional for all option where go can't speak with anyone or option XXXX XXXX  make a payment. 

Yes, I owe a debt XXXX want XXXX clear it up, but their practices are unfair XXXX not justifiable. This type of practice from a collector from someone who is willing XXXX paid should not be allowed. The law works both sides, not just for 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I made a contract with a water filtration system company called XXXX XXXX XXXX in 2021, where I started to finance this product through another company called Aqua Financa. One year ago I moved to another residence and had to change the water filtration system to a new one, paying {$190.00}, which ended up being defective. I started to call the XXXX company in order to fix this problem, but they would tell me that a tecnician would come and fix it, but they would never show up. I tried this for XXXX months, calling every day but without luck and at some point the water system stopped working and at the same time I stopped paying for this service since I was not going to pay for something I am not using. Now Aqua Finance wants me to pay for all this months that I have not pay, and XXXX XXXX XXXX wants to charge me to fix something they installed new 1 year ago. Both companies are saying that I can not return the product now that I do not want it anymore because I had signed a contract.

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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 
I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
" I was utterly shocked XXXX devastated upon discovering unauthorized accounts, credit inquiries XXXX inaccurate personal information made or reported without my knowledge or consent. Despite my efforts XXXX  seek clarification from the creditors, they have shamefully failed XXXX provide the necessary information. I demand immediate action XXXX transparency from the creditors. The creditors must provide detailed information on each account XXXX inquiry, including dates, purposes, XXXXd types of credit products involved, furnish relevant application documents, XXXX present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XXXX XXXX XXXX. I spoke with a manager of Barclays Bank Delaware ( XXXX ). She stated that I needed to submit a written request to the FCRA department., which is enclosed below ( upload ). The account number ending in XXXX. 

On XXXX XXXX XXXX. I spoke with representatives at XXXX and I have enclosed a letter of dispute below.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: WV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C. XXXX ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Recently i look into copy of my credit report and i notified several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify for accuracy : Name : XXXX XXXX Bank : XXXX Bank Account 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 2025-05-23 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: MD

Complaint narrative:
Recently i look into copy of my credit report and i notified several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify for accuracy : Name : XXXX XXXX Bank : XXXX Bank Account XXXX

Company response to consumer: Closed with non-monetary relief