vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: OR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Presto Loan Center, LLC
State: AZ

Complaint narrative:
I am submitting this formal complaint against Presto Loan Centers, LLC for unlawful lending practices, predatory conduct toward a senior citizen, and misclassification of lending authority. The issues described below require urgent review and enforcement action under the CFPBs jurisdiction pursuant to 12 U.S.C. 5511, Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ), ECOA ( 15 U.S.C. 1691 ), and related elder abuse protections.

Misclassification of License and Scope Violation- Presto is licensed as a Sales Finance Company under A.R.S. 44-291, which permits purchasing retail installment contracts from dealers.

Presto did not purchase a contract it originated a direct consumer auto loan. 
This conduct exceeds the scope of their license classification and constitutes unlawful activity under Arizona law. 

Usurious and Predatory Lending Practices APR charged : 89.81 % without meaningful underwriting, affordability assessment, or clear TILA-compliant disclosures.

No evidence of ability-to-repay analysis, violating 12 C.F.R. 1026 ( Regulation Z ) and CFPBs ability-to-repay standards.

Elder Financial Exploitation- Borrower is XXXX XXXX XXXX. 
This conduct may constitute financial exploitation under 42 U.S.C. 3058i and the Older Americans Act of 1982.

Loan terms and pressure tactics were designed to strip equity and ensure default.

Coercive and Unconscionable Contract Provisions- Contract includes : GPS tracking without notice or consent ( privacy violation ).

License suspension threats under A.R.S. 28-2138 as a collection tactic.

Arbitration clause with class action waivers suppressing legal recourse. 
Cross-collateralization across unrelated debts disproportionately harmful to seniors. 
These provisions are unconscionable under UCC 2-302 and violate the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) prohibition on abusive acts or practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 case number XXXX, XXXX 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 2025-08-15 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: VA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I made a reservation directly through the XXXX XXXX XXXX official website for the dates of XXXX XXXX XXXX. The reservation total was {$2000.00}, which was billed to my American Express. Per the cancellation policy displayed on the hotels website, I was entitled to a full refund if I canceled prior to XX/XX/year>. 

Due to my wifes illness, I called the XXXX XXXX XXXX on XX/XX/year>, to cancel the reservation. During that call, I was informedshockinglythat the reservation had allegedly already been canceled either on the same day I booked or the day immediately thereafter. This was not done by me nor by my wife. To make matters worse, I was ultimately advised that the hotel had refunded about {$1900.00} amount to a third party who is neither myself nor my American Express account. 

I do not understand how this could have occurred. The payment was made directly by me, and any refundwhether partial or fullshould have been returned only to my original form of payment. This incident represents a serious breach of proper financial and customer service protocols. 

I spoke extensively with hotel staff, including XXXX XXXX and then XXXX as apparently, the hotel uses XXXX, and several other representatives. Initially, there was verbal acknowledgment from XXXX XXXX that I would receive a refund ; however, the hotel ultimately refused to take corrective action and chose to do nothing. 

On XX/XX/year>, I contacted American Express via online chat to dispute the charge. On XX/XX/year>, I was informed that my dispute had been denied. When I called to escalate the matter, I was refused the opportunity to speak with a person in authority. I subsequently communicated via online chat with XXXX, XXXX, and XXXX, and was told that because a partial refund had been issuedalbeit to an unknown third partyAmerican Express would take no further action. 

I find this outcome absolutely unacceptable. This is not only a failure of customer service but a complete disregard for proper business conduct, security, and consumer rights. The handling of this matter, by both the XXXX XXXX XXXX and American Express, falls far below any reasonable standard, and I request immediate corrective action to ensure the full refund is issued directly to me without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-15 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 is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-15 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: NM

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXX AM in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for 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 Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute and raise concerns regarding the XXXX  data breach involving XXXX, in which the sensitive personal and financial data of approximately XXXX XXXX Americans, including mine, was compromised. 
As a result of this breach, I believe that my personal informationincluding but not limited to my name, Social Security number, date of birth, and potentially credit card or financial datawas exposed without my consent due to XXXX  's failure to adequately safeguard consumer data.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] regarding the accuracy and legality of the above-referenced account appearing on my consumer report.

Upon reviewing my credit file, I have found multiple FCRA violations and National Consumer Assistance Plan ( NCAP ) non-compliance issues with this tradeline : XXXX. Contradictory Account Status The account is listed as Paid with a {$0.00} balance and {$0.00} past due, yet the Payment Status is reported as Collection/Chargeoff.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information that is inaccurate or misleading.

Case Law : Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) misleading information can violate the FCRA even if technically correct. 



XXXX. Improper Collection Reporting After Satisfaction An account with a {$0.00} balance and paid status can not legally be coded as a charge-off or collection under FCRA 607 ( b ) ( maximum possible accuracy standard ). 



XXXX. Misleading High Credit Field High Credit of {$880.00} is reported for a family support obligation, which is not an extension of credit. This is materially misleading and violates FCRA 607 ( b ). 



XXXX. Inaccurate or Unverified Date Opened The reported Date Opened of XX/XX/XXXX does not appear to match any court-issued order date. Per FCRA 623 ( a ) ( 2 ), furnishers must update and correct inaccurate information. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines ( effective XX/XX/XXXX ), any public record on a credit file must : XXXX. Contain the consumers full name, SSN or DOB, and complete address ; XXXX. Be verified and updated at least every XXXX  days by the furnisher. 

If this family support record does not meet all of the above criteria, it must be removed entirely. 



Required Action Pursuant to FCRA 611 ( a ) ( 5 ), you must : 1. Correct all fields so the account reflects a non-derogatory, accurate status ; or 2. Permanently delete this account from my credit file if you can not verify the disputed items with complete accuracy and NCAP compliance within 30 days.

Failure to comply will constitute willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617, exposing your agency to actual, statutory, and punitive damages, plus attorneys fees. 

I have enclosed : Copy of my government-issued ID Proof of address ( utility bill ) Annotated copy of my credit report highlighting the disputed tradeline This is my official notice under FCRA. Please send your written investigation results to my address within the XXXX statutory period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> i received a call from Bank of America that a perdn ay the bank was trying to open a checking account in my name. The person stated that the bank has to make changes to my account to not allow fraud. This person said she would help me. She had all of my personal data. So she asked me for codes. I gave them to her and they withdrew {$3400.00}. They also declines a transfer to my husband subsequently but not for the {$3400.00}. The bank was apprised of the fraud and they declined to correct the situation. I have a police report of you need a copy please let me know if you want me to submit. Please XXXX me know when you resolved. I am a senior citizen and retired and need these funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 case number XXXX, XXXX 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