vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
I have previously disputed with TXXXX 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 XXXX  XXXX 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 2025-06-27 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: SC

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next 15 days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
There is an inquiry on my credit report that I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit file. This unauthorized activity is causing me significant stress and concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied for a job with XXXX. As part of the hiring process, XXXX used a background check provided by XXXX. The background report contained multiple serious inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX improperly reported : A XXXX criminal case that is over XXXX XXXX XXXX. This case involved deferred adjudication and is a non-conviction, which can not legally be reported after XXXX  years under the FCRA. 
A XXXX deferred adjudication, which is also a non-conviction and over XXXX XXXX XXXX. This is another clear violation of the XXXX reporting limit for non-convictions. 
A XXXX charge that was fully dismissed on XX/XX/XXXX. While dismissed charges within XXXX  years XXXX appear, this information was presented in a misleading way and was improperly used by XXXX to deny my employment. 
Additionally, XXXX violated the FCRAs required adverse action procedures. XXXX : Did not provide a XXXX XXXX Notice that would have included a copy of my background report and a summary of my rights under the FCRA before making a hiring decision. 
Did not provide a Final Adverse XXXX Notice after denying my employment based on this report. 
Instead referred me back to XXXX rather than handling the situation as the FCRA legally requires them to do. 
I contacted XXXX to dispute the inaccurate and outdated information. I also contacted XXXX to request information about their adverse action process. Neither company provided the required information or resolved the issue. As a result, I was wrongfully denied employment, XXXX XXXX XXXX and XXXX XXXX XXXX 

I am requesting that the CFPB investigate these serious violations of the FCRA by both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
They Violated my rights as a consumer under 15 USC 1681B and I need accounts Blocked and Removed off my Credit Report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, EdFinancial Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX  Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
They Violated my rights as a consumer under 15 USC 1681B and I need accounts Blocked and Removed off my Credit Report as soon as possible. XXXX XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, EdFinancial Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX  Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section XXXX ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/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 2025-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I do not owe this company because I did not sign any document or enter into any agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TN

Complaint narrative:
I disputed multiple collection accounts on my credit report and provided identification and proof of address. The bureaus have failed to provide verification or a proper investigation under FCRA 1681i. These include debts from XXXX XXXX XXXX and XXXX XXXX XXXX, which I do not recognize and have not been validated in compliance with FDCPA 809. I am requesting full deletion of all unverifiable accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Associated Credit Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I received an unsolicited email from Associated Credit Services , Inc. ( ACS ) attempting to collect an alleged {$9900.00} debt they claim is owed to XXXXXXXX XXXX. This was ACSs first communication with me. I never received a legally required written validation notice by mail, as mandated under 15 U.S.C. 1692g ( a ). The email misleadingly stated that an invoice would render ( none ever appeared ) and instructed me, do not respond to this message. It omitted the required 30-day dispute disclosure and failed to explain my right to request verification of the debt or obtain the name of the original creditor. 

I have never provided consent to receive debt-related communications electronically. The company violated the Electronic Signatures in Global and National Commerce Act ( E-SIGN Act ), 15 U.S.C. 7001 ( c ), by failing to obtain affirmative consent before delivering legally required notices by email. Despite never mailing a proper validation notice, ACS has since begun contacting me by text message, which I have not authorized.

I have sent a formal dispute and validation demand by certified mail, including a request for reasonable accommodation under the XXXX XXXX XXXX XXXX ( XXXX ). I have a documented diagnosis of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) and formally requested that all future communication be in writing via U.S. Mail only . I have explicitly revoked any consent to text, email, or telephone contact. 

ACS is continuing to contact me electronically without having validated the debt, and in direct violation of both my rights under the FDCPA and my XXXX accommodation request. I request that the CFPB investigate XXXX for violations of the FDCPA, FCRA, E-SIGN Act, and XXXX, and that they be required to : Immediately cease all collection and electronic communication ; Mail proper written validation of the alleged debt ; Delete any tradeline or adverse credit reporting if they can not validate ; Comply fully with all federal legal requirements going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX Regions Bank Misrepresented XXXX Promotional Rate Financial Product : XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Institution : Regions Bank Loan Number : XXXX On XX/XX/XXXX, I took a {$160000.00} advance on my XXXX with Regions Bank. Before doing so, I was informed by the branch XXXX XXXX XXXX XXXX at my local Regions branch that a promotional interest rate of 4.99 % would apply to this advance. I was specifically told I was eligible for this promotion, and I received a printed flyer describing the offer. Based on this representation, I proceeded with the transaction. 

After the advance was issued, I discovered that the applied rate was actually 8.5 %, not the promotional 4.99 % I had been promised. The branch XXXX attempted multiple times to get clarification from Regions mortgage department but received no response. Eventually, I escalated the issue and was contacted by XXXX XXXX XXXX from the mortgage department, who told me that their " promotions team '' decided not to honor the promotion for any XXXX  originated before XXXX. 

I requested written documentation of this restriction or any materials showing that such a limitation existed. XXXX XXXX refused to provide any supporting documents. 

There was no mention of a XXXX cutoff in the promotional materials, and I was explicitly told by a Regions loan XXXX that I qualified. Regions refusal to honor the rate is arbitrary and deceptive, and I believe this constitutes false advertising and misrepresentation. 

I am seeking CFPB intervention to require Regions Bank to honor the promised 4.99 % promotional rate. This misrepresentation has caused me XXXX XXXX as I took the advance based on incorrect information provided by a Regions representative.

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 2025-06-27 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: SC

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 2025-06-27 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:
I am formally disputing a collection/charge-off account reported under my name. I was never properly informed of this debt before it was submitted to collections, which is a violation of my rights. The reporting lacks context and does not accurately portray the full circumstances surrounding the account.

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 2025-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
MOHELA double charged me on XX/XX/XXXX. I called on XX/XX/XXXX and requested that the {$1000.00} that they double charged me be refunded. They stated it would be refunded but " may take up to 90 days ''. I never received the refund, so I called back on XX/XX/XXXX. I was told the would " escalate '' the refund, and I should have it in " 5-10 business days ''. Again, I never received the refund, so I called back on XX/XX/XXXX and was told that the refund is open, but there is a delay and they can not tell me how long it will be for me to receive my refund.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Account Number XXXX Balance : {$29.00} Open Date XX/XX/XXXX Inquiries 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 2025-06-27 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:
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 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 2025-06-27 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: AL

Complaint narrative:
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! 

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 2025-06-27 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: AL

Complaint narrative:
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! 

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 2025-06-27 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: WI

Complaint narrative:
XXXX XXXX XXXX is reporting an auto loan account with significant discrepancies between Experian and TransUnion. Experian reports a last payment date of XX/XX/year>, while TransUnion lists XX/XX/year>. The opening date also differs ( XX/XX/year> vs XX/XX/year> ), and the creditor type is listed as Personal Loan Companies on Experian but Miscellaneous Finance on TransUnion. These conflicting data points indicate a lack of consistent, accurate, and verifiable information.

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 2025-06-27 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: IL

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under XXXX XXXX, I am formally requesting that they be removed within XXXX  days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts.

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