vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-07-03 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: AZ

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 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 2025-07-03 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: AZ

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 2025-07-03 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:
Good day, I'm submitting this compliant to follow up my previous letter that I sent that I'm requesting for removal of the remaining inquiries that reported to my credit report is currently in breach of federal regulations. So please conduct a investigation and remove these inquiries from my file XXXXXXXX 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 2025-07-03 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
Pacific Credit Exchange a collection company has done XXXX hard credit pulls on my credit report. It is pulling it under a loan request however, I have not requested a loan. I just put a lock on my credit report. This company has done XXXX hard credit pulls for no reason I am continuing to get the XXXX  alerts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

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 non-monetary relief
Consumer complaint received 2025-07-03 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: AZ

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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
This company calls me after XXXX and before XXXX. additionally they did a hard credit pull. A hard credit pull, which can affect your credit score, typically requires a written or explicit consent.

Hard pulls are generally associated with credit applications ( e.g., applying for a loan, mortgage, or credit card ), not debt collection.Tjis company has done XXXX hard credit pulls

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 2025-07-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I purchased a phone online from XXXX and went into the store to activate the phone. After being in the store for over 2 hrs they finally told me there was an issue with the phone and had to return it because they couldnt activate phone. The sales person returned the phone and gave me a receipt. The receipt said it was a XXXX balance and I was going to get my taxes of {$99.00} back. They keep sending me bills saying I owe for the phone I dont possess. I have discussed this issue many times and they were suppose to correct it. Now they are harassing me through bill collectors saying I owe for a phone I dont possess. I sent all the paperwork to the bill collectors stating I turned in the phone and have a XXXX balance but they reported it to my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding an issue I encountered with Bank of Hawaii at their XXXX branch ( XXXX, HI ) on XX/XX/year>. 

I opened a checking account in XX/XX/year> and deposited small amounts over time for use with my XXXXXXXX XXXX. After selling my vehicle on XX/XX/year>, I deposited {$25000.00} in cash into my Bank of Hawaii account that same day ( receipt attached ). 

Over the next few days, I set up my external XXXX  XXXX XXXX account in the Bank of Hawaii online banking profile, successfully verifying it with temporary deposits. However, on the website, in the transfer section, I attempted multiple times to select my Bank of Hawaii account in the Transfer From field, but the Transfer To field was always empty and did not show my XXXX XXXX XXXXXXXX account as an option. 

I visited the branch to report the issue. The teller informed me that a case was opened and that someone would contact me within a day, but I never received any follow-up. 

Today ( XX/XX/XXXX ), after calling customer support, I was told that Bank of Hawaii does not support external transfers out at all. This policy was never clearly communicated to me and has effectively left me unable to transfer my funds anywhere conveniently. 

I was told the only option is to schedule a wire transfer appointment with a {$90.00} fee to transfer my own {$25000.00}. This feels almost like extortion given that it is the only option available to move my money anywhere. 

I believe this practice is unnecessarily restrictive and not in line with standard banking services. I kindly request your assistance in resolving this matter so I can transfer my funds without further delay or excessive fees. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
am filing this complaint regarding inaccurate, outdated, and misleading information that continues to be reported on my credit reports by several creditors and/or credit reporting agencies. As of XX/XX/year>, my reports from Equifax, XXXX XXXX XXXX reflect numerous derogatory entries including charge-offs, late payments, and bankruptcy-related remarks that I believe are either inaccurate, unverifiable, or misrepresented. 

These negative items have caused substantial personal and financial hardship. I have been : Denied credit for essential needs, including auto financing and a major line of credit needed to consolidate and manage my debts responsibly. 
Offered only high-interest rates that are not reflective of my current income stability and payment history, resulting in higher monthly payments that strain my financial security. 
Unable to qualify for housing opportunities, being turned away by landlords who rely on third-party credit screening agencies that reflect these damaging inaccuracies. 
Emotionally and mentally affected, constantly having to explain past circumstances that Ive worked hard to overcome, yet the reporting agencies continue to allow damaging data to remain without proper validation.

Despite prior attempts to resolve these issues directly with the furnishers and credit bureaus, the accounts in question remain, some of which are : Accounts reported as charged off or delinquent despite being included in a XXXX XXXX bankruptcy.

Duplicate or conflicting notations across different bureaus.

Incomplete investigation responses or total lack of response.

I am seeking the CFPBs assistance in requiring the credit bureaus and furnishers to either : 1. Provide verified and accurate documentation that supports each negative item ; or 2. Promptly delete the disputed information from my reports if they can not provide such documentation, as required under the Fair Credit Reporting Act ( FCRA ).

I have attached supporting documents and letters Ive sent directly to the furnishers. Thank you for your time and advocacy on behalf of consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MN

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated, my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name.. XXXX XXXX XXXX  .. Account # XXXX.. Account name .. XXXX. Account # XXXX Account Name XXXX XXXX  Account # XXXX account name.. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX .. Account name XXXX XXXX XXXXXXXX account XXXX XXXX.. 
15 U.S.C 1581 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A-Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions .. 15 U.S.C . ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, Other than records of conviction of a crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MN

Complaint narrative:
In accordance with the fair Credit Reporting act. The list of accounts below has violated, my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name.. XXXX XXXX XXXX  .. Account # XXXX.. Account name .. XXXX. Account # XXXX Account Name XXXX XXXX  Account # XXXX account name.. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX .. Account name XXXX XXXX XXXXXXXX account XXXX XXXX.. 
15 U.S.C 1581 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A-Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions .. 15 U.S.C . ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, Other than records of conviction of a crimes which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I was a victim of identity theft. I have filed reports.

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 2025-07-03 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: FL

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 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am 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. 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 non-monetary relief