vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
each are unknown inquiries stated below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
I am writing to dispute the continued presence of inaccurate address on my credit report. Despite prior disputes, this incorrect name and addressees remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name addresses, but these errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 

Please remove these name & addresses immediately and update my credit report accordingly. I am providing the following documentation for your review : Government-issued ID Proof of current address Recent credit report with inaccurate address highlighted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I am writing to formally request the deletion of all student loan accounts listed on my credit report due to a significant data breach that resulted in the unauthorized exposure of my personal information.

As a victim of this breach, my personally identifiable information ( PII ) was compromised, including sensitive data directly tied to my student loan accounts. Additionally, these accounts are currently reporting as no data, which is misleading, incomplete, and fails to accurately represent the status of the accounts.

Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, credit reporting agencies are required to ensure all information is accurate, complete, and verifiable. Reporting no data for accounts tied to a known data breach does not meet that standard and poses a substantial risk of identity theft and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: DC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Hunt & Henriques
State: CA

Complaint narrative:
This complaint involves actions by Hunt & Henriques LLP acting as a debt collector and attorney for XXXX XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX remains responsible for oversight of its agents and continued credit reporting. The actions described in the attached violate the Fair Debt Collection Practices Act, the Rosenthal Act, and the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I am formally submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to the repeated failure of Equifax, XXXX, and XXXX to properly investigate and correct inaccurate information on my credit report. 

Despite submitting multiple disputes, along with clear supporting documentation, these credit bureaus have failed to take meaningful action to address the errors. Instead, I have received vague responses, dismissals, or automated replies that do not reflect a thorough investigation of the provided evidence. This blatant disregard for accuracy contradicts the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus conduct reasonable investigations when errors are reported. 

The presence of incorrect information on my credit report has caused significant financial harm, affecting my ability to obtain credit, secure loans, and maintain financial stability. It is unacceptable that, despite my efforts, the credit bureaus continue to neglect their legal responsibility to correct inaccurate reporting. 

I request the CFPBs immediate intervention to ensure that the credit bureaus comply with federal regulations and take proper corrective measures. I also seek clarity on what enforcement actions can be taken against these agencies for failing to uphold consumer rights. 

I appreciate the CFPBs attention to this matter and look forward to a prompt response regarding the next steps. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: LA

Complaint narrative:
I am formally submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) due to the repeated failure of XXXX, Experian, and XXXX to properly investigate and correct inaccurate information on my credit report. 

Despite submitting multiple disputes, along with clear supporting documentation, these credit bureaus have failed to take meaningful action to address the errors. Instead, I have received vague responses, dismissals, or automated replies that do not reflect a thorough investigation of the provided evidence. This blatant disregard for accuracy contradicts the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus conduct reasonable investigations when errors are reported. 

The presence of incorrect information on my credit report has caused significant financial harm, affecting my ability to obtain credit, secure loans, and maintain financial stability. It is unacceptable that, despite my efforts, the credit bureaus continue to neglect their legal responsibility to correct inaccurate reporting. 

I request the CFPBs immediate intervention to ensure that the credit bureaus comply with federal regulations and take proper corrective measures. I also seek clarity on what enforcement actions can be taken against these agencies for failing to uphold consumer rights. 

I appreciate the CFPBs attention to this matter and look forward to a prompt response regarding the next steps. Thank you

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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I believe the account is invalid. FAIR COLLECTIONS & OUTSOURCING needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. FAIR COLLECTIONS & OUT 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 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint involves actions by XXXX XXXX XXXX XXXX acting as a debt collector and attorney for Bank of America , N.A . Bank of America remains responsible for oversight of its agents and continued credit reporting. The actions described in the attached violate the Fair Debt Collection Practices Act, the Rosenthal Act, and the Fair Credit Reporting Act

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 2025-04-11 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that consumer reporting agencies investigate disputes and remove or correct information that is found to be inaccurate, incomplete, or unverifiable. Specifically, I am disputing a late payment reported by [ Creditor Name ] on [ Account Number ] dated [ Date ], which I believe to be inaccurate and damaging to my credit standing. I have attached supporting documentation, including [ e.g., account statements, payment confirmations, correspondence with the creditor ], demonstrating that this reported late payment is either factually incorrect or unverifiable. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), once a consumer notifies a credit reporting agency of a dispute, the agency is legally obligated to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. As a consumer, I have the right to an accurate and fair credit profile, and I am invoking my rights under federal law to request immediate correction or deletion of this inaccurate late payment entry. This error has negatively impacted my credit score and my ability to obtain favorable credit terms. 

Therefore, I request that you : 1.Conduct a full reinvestigation of the disputed late payment.

2.Provide me with the name, address, and contact information of the party that verified the entry, if it remains.

3.Remove the item from my report if it is inaccurate or unverifiable.

4.Provide me with a written summary of the results of your reinvestigation. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, which mandates that consumer reporting agencies investigate disputes and remove or correct information that is found to be inaccurate, incomplete, or unverifiable. Specifically, I am disputing a late payment reported by [ Creditor Name ] on [ Account Number ] dated [ Date ], which I believe to be inaccurate and damaging to my credit standing. I have attached supporting documentation, including [ e.g., account statements, payment confirmations, correspondence with the creditor ], demonstrating that this reported late payment is either factually incorrect or unverifiable. 

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), once a consumer notifies a credit reporting agency of a dispute, the agency is legally obligated to : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute. As a consumer, I have the right to an accurate and fair credit profile, and I am invoking my rights under federal law to request immediate correction or deletion of this inaccurate late payment entry. This error has negatively impacted my credit score and my ability to obtain favorable credit terms.

Therefore, I request that you : 1.Conduct a full reinvestigation of the disputed late payment.

2.Provide me with the name, address, and contact information of the party that verified the entry, if it remains.

3.Remove the item from my report if it is inaccurate or unverifiable.

4.Provide me with a written summary of the results of your reinvestigation. 

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 2025-04-11 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: WI

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: IN

Complaint narrative:
I am submitting this complaint regarding a closed account reported by XXXX XXXX XXXX amount of {$990.00}, which appeared on my credit report with a reporting date of XX/XX/2024. I am disputing the accuracy and validity of this account, as I have not received any detailed billing statements, notice of delinquency, or verification of the debt. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report, and the furnisher of the information ( in this case, XXXX ) is obligated to conduct a reasonable investigation ( 1681s-2 ( b ) ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of any debt that is being collected. This account is negatively impacting my credit, and I am requesting that WC/KOALAFI provide all supporting documentation, including the final billing statement, account history, and any evidence of my liability. If such documentation can not be provided, I request that the account be deleted from my credit report in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: NY

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-11 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: Applied Data Finance, LLC
State: FL

Complaint narrative:
The Company promised me when I was sick the payments or partial payments I missed would be added WITHOUT penalty to the end of my account. They broke this promise and outside of the amount due they say I owe another XXXX dollars. I have asked for an accounting to include the miss payments, the dates and the amounts and they have refused to provide either. I have emailed them over XXXX times no response. Because they have not been honest I asked for these items to be sent in a written form. They have done neither. They have broken the commitments and not responded in the manner requested. i want to pay the correct amount but like the over XXXX complaints listed on line I do not want to be a victim of possible fraudulent actions. The latest of which was without authorization placing me on a reduced payment, I have XXXX scheduled payment left and I want this settled. Hopefully you will be able to get these people to respond correctly and to document their statement. They have refused to answer any requests for information. They have over XXXX similar complaints. They answer the complaints with a form letter. I have a right to this information and they refuse to give me that information. 

XXXX XXXX XXXX Please help all of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-11 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit XXXX XXXX XXXX XXXX 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 consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
These mistakes on my report have messed with a lot in my life. Ive done everything I can to stay financially responsible, and seeing all that effort dragged down by outdated or flat-out wrong info is really upsetting. Ive been turned down for things I should have qualified for, and its taken a serious hit on my confidence.

Company response to consumer: Closed with non-monetary relief