vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: RI

Complaint narrative:
Meridian Financial Services continues to pursue a debt they claim I owe to XXXX XXXX XXXX XXXX, despite the fact that I formally disputed the debt in writing and have proof that my dispute was delivered. 

They recently sent me a notice stating that because I did not dispute the debt, it is now assumed valid. That is false. I mailed my dispute before XX/XX/year>, and I have XXXX tracking confirmation ( XXXX ) that it was delivered to their office on XX/XX/year>. Under the Fair Debt Collection Practices Act ( FDCPA ), once a debt is disputed, the collector must cease collection until they validate the debt. Instead, they ignored the dispute, falsely claimed it was never made, and have continued to send collection notices. 

This is a violation of my rights under federal law. 

I also do not have any agreement or contract with Meridian Financial Services directly. The underlying dispute is with the timeshare company XXXX XXXX XXXX XXXX, which Ive been trying to resolve for months due to misrepresentation and hardship. XXXX 's failure to address my ownership issue and their decision to send it to collections is unethical and unjust.

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 2025-07-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-22 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: TX

Complaint narrative:
An account has appeared on my credit report without my consent or authorization. I did not open or use this account and believe it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 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 a account without my written instructions 15 U.S.C 1681c. ( 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute fraudulent items on my credit report, which I believe are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that these inaccuracies be promptly blocked from my file.

Attached is a copy of my FTC Identity Theft Report ( FTC Report XXXX ), which provides clear evidence supporting my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, credit reporting agencies are required to block the disputed information resulting from identity theft within four business days of receiving such a report. 

The following entries on my credit report are associated with this identity theft and must be blocked and permanently removed immediately : Inquiries : XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> Furthermore, I am officially notifying you that I have been a victim of identity theft. I have filed a formal complaint with the Federal Trade Commission ( FTC ), a copy of which is enclosed for your records. My credit report contains accounts and inquiries that were fraudulently opened or initiated without my authorization. I have included all supporting documentation and have sent this notice via fax and Certified Mail for proper tracking. 

I kindly request that you confirm in writing once the fraudulent items have been removed from my credit report, as required by 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received a credit card in the mail from Barclays on behalf XXXX XXXX did not apply for. I called the company that issued the card on XX/XX/year> to inform them. They said that they suspected that it was fraudulent and would report it to the credit monitoring services likes XXXX, etc. I then put a fraud alert and froze my credit report requests on XXXX, XXXX  and 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 2025-07-22 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: TX

Complaint narrative:
These inquiries seem unfamiliar and possibly illicit. Please investigate this matter urgently.

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 2025-07-22 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 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: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-22 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-22 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
An account has appeared on my credit report without my consent or authorization. I did not open or use this account and believe it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
b'I sent a certified letter to Experian on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX at XXXX XXXX  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 (account # XXXX XXXX XXXX XXXX (account # XXXXExperian failed to respond. I sent another letter on XXXXXXXX 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 2025-07-22 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: FL

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX with tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX   it shows the delivery date of XXXX XXXX XXXX XXXX  IN XXXX  GA. 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 XXXXEquifax failed to respond. I sent another letter on XXXX which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Card Opened by the Thief Company or Organization : XXXX XXXXXXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$750.00} Fraudulent Auto Loan or Lease Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$25000.00} Other Identity Theft Company or Organization : XXXX XXXX XXXX XXXX  Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$530.00} Utility Account Opened by the Thief Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$720.00} Other Identity Theft Company or Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/year> Date that I discovered it : Total fraudulent amount : {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I was surprised to find these inquiries, which seem potentially fraudulent. Please review and act accordingly.

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 2025-07-22 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: TX

Complaint narrative:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-07-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I received a {$250.00} American Express XXXX XXXX that can not be used anywhere online or in-store. I called on XX/XX/XXXX, the Customer Service agent said that the card is locked and will send a refund check to my address. However, it has been almost a month. When I called in on XX/XX/year>, my card is not miraculously " active '' and no refund check has been issued. 

As this card can not be used anywhere. I would like to receive a check for the balance of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC Experian Subject : Formal Dispute of Inaccurate Reporting and Failure to Reinvestigate XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am formally disputing inaccurate and unverifiable information being reported on my Equifax credit file. The following account includes critical reporting errors and should be deleted immediately : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$20000.00} Status : Collection/Charge-off Reported as Past Due : {$20000.00} High Credit : {$0.00} Credit Limit : {$20000.00} The account contains multiple inaccuracies : Balance exceeds the stated credit limit High credit is listed as {$0.00}, which is incorrect Charge-off status is unsupported by verified documentation Monthly payment is shown as {$0.00} despite a full past-due balance I previously submitted a dispute, experian and Equifax failed to conduct a reasonable reinvestigation as required under Section 611 of the Fair Credit Reporting Act ( FCRA ). This account can not be legally verified and must be removed from my credit file immediately. 

I respectfully request that Equifax & Experian : XXXX. Delete the inaccurate XXXX XXXX XXXX XXXX account XXXX. Send me an updated credit report showing the deletion XXXX. Provide the name and contact details of the data furnisher contacted during your reinvestigation If the matter is not resolved within the legally required timeframe, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau 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