vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
I was sued by XXXX XXXX XXXX for a credit card debt I have with Barclays Bank of Delaware. After coming to an agreement for monthly payment arrangements with an account representative, XXXX, on XX/XX/year>, he told me I would receive a Form of Stipulation for Entry of Judgement in the mail. I had 10 days to complete that form, sign it, and mail it back. On XX/XX/year> when I had not received this form in the mail I called and spoke with account representative, XXXX. She told me that form was processed on XX/XX/year> and mailed to me. XXXX emphasized again, that I had 10 days to complete the form, sign it and mail it back. The return address would be in the envelope and paperwork I would receive. On XX/XX/year> I called XXXX XXXX XXXX office again due to not receiving the paperwork in the mail. This time I spoke with an account representative named XXXX and let her know I had still not received the Form of Stipulation for Entry of Judgement and it was past the deadline to return it. Paradise then informed me it had been emailed to me and gave an email address that isn't mine at all, I never gave my email address to this company. XXXX told me that it was no worries, they would send it again. She also informed me not to worry about it being past due, just complete it and send it in once I received it. I informed XXXX that my personal information was emailed to a third party/person that I did not know and her apology would not cut it, that was my private, personal information that someone else now had! XXXX attempted to transfer me to a manager to discuss this situation, but came back and said that management was in meeting and they would call me back at their earliest convenience. I wrote a letter on XX/XX/year> with these concerns and on XX/XX/year> mailed a copy to XXXX XXXX XXXX Colorado office as well as the California office via certified mail with a " sign and receipt '' return mail. In the letter I had a timeline of the conversations with the account representatives and also clearly laid out my concerns about my private, personal information being emailed to someone else that has no connections with me, nor is me. They revealed my debt and personal information to a stranger! As of today, XX/XX/year>, I have not had a reply, via mail, from XXXX XXXX XXXX, nor a return call from management. I requested any communication between them and myself to either be by telephone or mail.

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 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On [ insert date you sent the payment ], I sent a {$50.00} XXXX payment from my Chase checking account to an individual advertising XXXX XXXX bags for sale on XXXX under the username @ XXXX The seller used the name XXXX and their real phone number connected to XXXX. After payment was made, the seller ceased all contact and never delivered the item, despite follow-up attempts. 

This was a clear case of fraudulent misrepresentation, where the seller knowingly used deceptive advertising to induce payment, with no intent to fulfill the transaction. 

I contacted Chase to request a refund or to open a fraud dispute. I was told XXXX transactions are not protected or reversible, even though I provided evidence that the transaction was made under false pretenses and involved deceptive behavior. 

XXXX has become a common tool used by scammers, and it is unacceptable that Chase does not offer any consumer protections for fraud victims in these cases. I have filed a report with the FTC and documented the incident with screenshots and evidence. I am requesting that Chase review my case more seriously and provide reimbursement for the fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
This complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that falls short of the required standard of maximum possible accuracy. These errors are causing serious, ongoing harm to my life. I demand a thorough investigation and swift correction or removal of all inaccuracies. Resolving this issue is critical and non-negotiable.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
Its incredibly distressing to see false and inaccurate information reported under my name. I work hard and live honestly, yet my credit report tells a completely different story, one filled with errors I had no part in. As a consumer, I know I have rights, but this experience makes it feel like those rights are being ignored. These mistakes are holding me back, damaging my credit, and keeping me stuck living paycheck to paycheck. Ive had credit applications denied because of this, and Im beyond frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 explanation
Consumer complaint received 2025-06-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Two Hard inquiries by THD/CBNA i did not approve or did i try to sign up anything with them i want it removed off my credit report Asap

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 2025-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Filed a complaint against company on XX/XX/year> company responded stated they sent out verification of debt on XX/XX/year> but had wrong address. They have correct address now and I still havent received any information from company and its almost 2 months later. The company is wanting me to confirm debt without itemization bill or last bill received. Didnt receive copy of lease agreement. Didnt get my security deposit back or info about where it was used upon moving out. Previous complaint filed XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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 report is being submitted to address inaccuracies on my credit report. Equifax has verified that a system malfunction caused my personal information to be leaked and subsequently used without my consent. I have faced denial of credit because of this, and I am requesting prompt resolution within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
This complaint is valid and submitted with full intent. My credit report contains false information that fails to meet the required standard of maximum possible accuracy. These errors are actively damaging my financial stability and personal well-being, adding undue hardship during an already challenging time. I demand immediate action to correct this.

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 2025-06-10 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: IN

Complaint narrative:
This complaint is fully intentional and valid. My credit report contains false information that does not meet the required standard of maximum possible accuracy. These errors are harming my financial stability and personal well-being, creating undue hardship during an already difficult time. I demand immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
I do not recognize that inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
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 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 2025-06-10 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: PA

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 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aqua Finance, Inc.
State: CA

Complaint narrative:
Aqua Finance continues to report a charged-off account with no activity since XXXX. Despite this, they are updating the account monthly across all three credit bureaus, making it appear recently delinquent. This violates FCRA 605 ( c ) illegal re-aging.

Although they did provide a copy of the original contract, they failed to provide : A complete payment ledger An itemized accounting to justify the balance increase from {$4300.00} to {$4800.00} Any proof of charge-off status compliance or 1099-C issuance This unexplained balance inflation violates FCRA 607 ( b ) and FDCPA 808 ( 1 ).

Additionally, Aqua has removed and re-added dispute remarks across multiple credit bureaus, causing credit score swings of over 64 points total ( 32 ) a tactic that appears retaliatory and manipulative, violating FCRA 623 ( a ).

They also briefly added and removed a remark stating the debt was acquired from another lender. If true, Aqua has no authority to report. If false, its a material misrepresentation. 

This conduct matches the exact abusive pattern cited in the FTCs $ XXXX enforcement action in XXXX. 

Ive included evidence of : Re-aging Score drops due to remark tampering Contradictory balance changes Letters from Aqua Screenshots and disputes from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Westlake Services, LLC
State: OH

Complaint narrative:
Fraudulent Accounts and Inquiries Immediate Action Required ( SSN : XXXX ) To Whom It May Concern : I am writing to demand the immediate deletion of fraudulent accounts and inquiries that have been unlawfully reported on my consumer file, resulting from identity theft. Your failure to comply with federal law in verifying these accounts and inquiries is both unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Legal Framework Violated : 15 USC 1681b ( c ) Furnishing Reports Without Consumer Authorization As per the statute, consumer reporting agencies are prohibited from furnishing records of inquiries connected to credit or insurance transactions that I, the consumer, did not initiate. The following inquiries must be removed from my report without delay : 18 U.S.C. 1028A Aggravated Identity Theft I am a victim of identity theft. Under this law, any fraudulent use of my identity is a federal crime punishable by an additional term of two years ' imprisonment for the offenders. Your negligence in verifying this information perpetuates the criminal activity and further damages my financial standing.

15 USC 1681c2 Block of Fraudulent Information Pursuant to this law, you are required to block all fraudulent information related to identity theft within four business days of receiving a valid identity theft report. Enclosed are all necessary documents to fulfill this requirement, including a copy of my FTC Identity Theft Report, proof of identity, and identification of fraudulent accounts. Failure to comply will result in formal complaints with federal and state agencies.

Fraudulent Inquiries : 1.NOWCOM/WESTLAKE FINANC Date of inquiry : XX/XX/year> These accounts and inquiries were not authorized by me and must be removed from my report immediately.

Failure to Act : If these fraudulent accounts and inquiries are not deleted, and an updated consumer report is not sent to me promptly as mandated under 15 USC 1681c-1 ( 2 ), I will escalate this matter to the following entities : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX  ) State Attorney General Offices, both in your jurisdiction and mine Non-compliance will lead to formal legal action, including seeking damages for the harm caused by your continued violation of my rights.

Enclosures : Copy of my government-issued ID Proof of address ( utility bill ) Copy of my Social Security card FTC Identity Theft Report I expect swift action on your part and look forward to receiving confirmation that all fraudulent information has been removed and an updated report has been sent. 
Sincerely, 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 2025-06-10 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX  -debt- Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of debt bondage, and would like for all listed accounts to be blocked and deleted from the company informationrTansunion. Please delete the following accountsXXXX XXXX XXXX  account balance. {$3300.00}, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX  Balance : XXXX, XXXX XXXX Balance {$1800.00}, XXXX Balance 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 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America ( Case # XXXX ) has : 1. * * Refused to investigate * * an unauthorized {$580.00} wire transfer ( XX/XX/year> ). 
2. * * Blocked executive escalation attempts * * ( emails bounced back ).

3. * * Violated Regulation E * * by denying my dispute without proof of authorization. 

* * Resolution Demanded : * * - * * {$580.00} refund * * + * * {$500.00} statutory damages * * - * * Written explanation * * of fraud investigation

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 2025-06-10 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:
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 2025-06-11 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Several companies accessed my credit report without authorization, harming my credit and score. Despite assurances from the credit agency, these unauthorized and potentially fraudulent inquiries remain. This raises serious identity theft concerns and continues to cause significant stress and financial damage.

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 2025-06-10 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: AL

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 non-monetary relief