vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: NM

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

I am sincerely looking forward to your understanding and kind consideration of my request. Your assistance in addressing this matter would not only help resolve the inaccuracies on my credit report but also alleviate the challenges I am currently facing due to the drop in my FICO score. Your efforts in handling this dispute would make a significant difference, and I truly value the time and attention you dedicate to reviewing and resolving this issue. I deeply appreciate your willingness to help, and I remain hopeful for a positive outcome. Thank you once again for your support and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Information and Demand for Deletion FCRA XXXX XXXX XXXX Compliance Dear Equifax, I am writing to formally dispute inaccurate, unverifiable, and derogatory information that appears on my credit file under my name, XXXX XXXX XXXX. The account in question is reporting the following details : Creditor Name : [ Insert Creditor Name, e.g., XXXX Collections ] Balance : {$3900.00} Reported Highest Balance : {$3500.00} Monthly Payment : {$51.00} Opened : XX/XX/XXXX Status : XXXX Days Late ( Last Reported XX/XX/XXXX ) Noted as Derogatory despite prior consistent payment history ( 90 % on-time ) This account is clearly : Outdated The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681c ( a ) ( 4 ), mandates that negative information such as late payments must not be reported for more than seven years.

Unverifiable Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the CRA is required to conduct a reasonable reinvestigation within 30 days. If the furnisher can not verify the debt, it must be deleted.

Inaccurate Reporting a current balance of {$3900.00} when the highest balance is only {$3500.00} violates XXXX 2 Format guidelines and may also constitute a violation of 15 U.S.C. 1681e ( b ) for failure to maintain maximum accuracy.

Additionally, the presence of this derogatory information is causing serious harm to my credit profile, as evidenced by my current XXXX  score of XXXX. This unjust reporting is obstructing my ability to obtain housing, employment, and financial services. 

In accordance with the FCRA and XXXX XXXX reporting standards, I demand : 1. Immediate deletion of the account from my credit report due to its inaccurate, unverifiable, and outdated status.

2. A full description of the method of verification used.

3. A revised copy of my credit report reflecting this deletion. 

Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for violations of my rights under the FCRA. 

Attached to this letter are : A copy of my government-issued ID A utility bill for address verification A copy of the disputed credit report segment Please process this dispute immediately and confirm in writing once the item has been removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: PA

Complaint narrative:
First advantage is not following FCRA laws and taking long and going back changing information that shouldn't be changed. I disputed my background check mo the ago first advantage went and changed the information even after I provided documents. They don't actually investigate they just say they do. Theu rely on whatever data base they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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! 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I 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! 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 non-monetary relief
Consumer complaint received 2025-06-17 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I have been going back and forth with these companies about information that could not be mine reporting to my profiles hurting my credit. Ive sent everything they have asked just for them to tell me everything is verified but show me no proof. I would like these items reviewed and inquires removed from my report.

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 2025-06-17 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 have been going back and forth with these companies about information that could not be mine reporting to my profiles hurting my credit. Ive sent everything they have asked just for them to tell me everything is verified but show me no proof. I would like these items reviewed and inquires removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express closed my High Yield Savings Account without notifying me on or around XX/XX/year>. -The funds transferred to my American Express High Yield account came from my dad 's savings Account at XXXX XXXX  -When I contacted American Express , they advised me that for the funds to be released, XXXX would need to contact them and request or recall those funds from the bank. 
XXXX XX/XX/year>, I contacted XXXX to follow American Express XXXX advice ; XXXX XXXX  let me know that they wouldn't be able to comply with American Express XXXX advice, they do not have a way to contact another financial institution and ask for those funds to be returned, unless they were not transferred by me or fraudulent. 
-On XX/XX/year>, I also contacted American Express to let them know that XXXX is unable to recall those funds, and they advised me again that this would be the only way for me to retrieve my funds. 
-As of XX/XX/year>, American Express is holding {$68000.00} worth of years of savings and sacrifice from me and my family. Please help me, I'm desperate! 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: TN

Complaint narrative:
XX/XX/scrub>/2024 I need a loan for {$500.00}, the lady said she couldn't but if I take out a loan for {$1300.00} they could do the loan. Which put me in a bind because loan was to cut down tree limbs to prevent damage to my house. Im a 100 % XXXX  veteran, and they know that. I did the math of the interest and how many months. And there is over {$200.00} XXXX  not accounted for. I requested from omni thru email, that I would rather them email where is over {$200.00}? They came back with we need more information from me ( security issue ) which i messaged them thru the website.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NM

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT 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 2025-06-17 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: NM

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
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! 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 explanation
Consumer complaint received 2025-06-17 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NM

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I was contacted by Aldous & Associates via email on multiple occasions to resolve a debt collection of {$130.00} to a gym that I have never been a member of or have never been to any of the states in which the locations of the gym are established. My account number with the debt collector is XXXX. The company name is XXXX XXXX XXXX according to the email I received. I ignored the email and blocked it because my identity and information has been compromised and leaked during past data breaches and I did not want to become a victim another time. I do not answer phone calls from numbers I do not know and no voicemails were left regarding this matter so again, I assumed this was a spam attempt at collecting money from unsuspecting customers. A few days ago I noticed on my Transunion credit report, which I check daily, I had a new derogatory information listing on my account for {$130.00} via Aldous & Associates regarding my gym membership that was never initiated by me. No attempt has been made to provide me the original contract for the debt and the information provided from a XXXX  complaint to resolve the issue proved that the debt collection agency does not even have current information of mine which has been unchanging for over 8 years now. This further proves that this is obviously identity theft and an account fraudulently created in my name. The debt collector plainly stated they would contact the company XXXX XXXX  XXXX due to my XXXX XXXX XXXX  complaint but the debt is still negatively reflecting on my credit report 2 weeks later. This is blatant fraud and considering how many other individuals on XXXX  detest this organization for the exact same scheme, I am shocked that this company has not been charged in fraudulent claims and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO RECOVERY has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated XXXX usc XXXXs-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so. Not only have they failed to conduct a proper investigation. They have also lied about who actually owns the debt. See these debts have been securitized by XXXX XXXXXXXX XXXX XXXX and were sold to a trust for a pool of investors. 
Although XXXX XXXX XXXX XXXX is acting as a service officer they illegally sold the debt to PORTFOLIO RECOVERY I demand to see the chain of assignment and purchase agreement to see who really sold the debt to PORTFOLIO RECOVERY If PORTFOLIO RECOVERY does not legally own the debt then this is a violation of XXXX usc XXXXe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The CFPB intervened with Bank of America ( B of A ) earlier in 2025 on our behalf for exactly the same problem. Our Platinum account contract stipulates there will be no fees for ATM use, both domestic and international. Thanks to CFPB, B of A reimbursed our account for these fees. After a few weeks, they started again. A list of these new fees are attached herein. We are tired of meeting with the local B of A manager, whose excuses ranged from admission of error to their algorithm. As a small business, we can not afford these fees and the time required for redress. Please help. 

The other attachment is copy of the CFPB acknowledgment that our earlier complaint was received.

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 monetary relief