vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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:
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. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  Account Name : XXXX XXXX  Account Name : XXXX XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : 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 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 other reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am disputing two Golden 1 Credit Union accounts ( Account # XXXX and # XXXX ) that were both XXXX through my XXXX XXXX bankruptcy on XX/XX/2024. 
These accounts still report derogatory statuses on my credit reports, which is misleading and unfair under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone : ( XXXX ) XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX TO : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Notice to Cease and Desist Reporting of Inaccurate and Unverifiable Information To Whom It May Concern, This letter serves as a XXXX XXXX formal Notice to Cease and Desist XXXX XXXX  reporting any and all * * inaccurate, unverifiable, and disputed information * * listed under my name and Social Security number. I am exercising my rights under the XXXX XXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i XXXX XXXX which mandates that consumer reporting agencies investigate and remove any information that can not be verified within 30 days of dispute. 

As previously communicated, my credit file contains the following issues that I formally request you stop reporting immediately : - * * Hard inquiries * * made without my consent - * * Outdated and unverifiable accounts * * - * * Incorrect or mismatched addresses and employment history * * - * * Any collection accounts not backed by original signed agreements or verified debt * * Under * * 15 U.S.C. 1681b * *, you may only furnish information with a permissible purpose. If these inquiries or accounts remain without legally sufficient documentation, continued reporting constitutes a * * willful violation * * of my federal rights. 

I hereby demand that you : XXXX. * * Immediately cease and desist * * from reporting any and all inaccurate or unverifiable information, including hard inquiries and personal identifiers that do not belong to me. 
XXXX. * * Delete all disputed accounts, collections, and inquiries * * from my file if not verified in full compliance with FCRA standards. 
XXXX. * * Send confirmation * * of all deletions and ceasing of reporting in writing within XXXX  days of receipt of this letter. 

If you do not comply, I reserve the right to pursue legal action under * * 15 U.S.C. 1681n and 1681o * *, which provide for statutory and punitive damages for willful and negligent noncompliance.

Please govern yourselves accordingly. 

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 2025-07-26 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXXXXXX 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  Balance Owed : {$160.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7100.00} XXXX & XXXX Original Creditor XXXX  XXXXXXXX XXXX XXXX  Balance Owed : {$230.00} XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: NY

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 2025-07-26 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: NY

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 non-monetary relief
Consumer complaint received 2025-07-26 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:
I am a victim of identity theft would like this accounts removed from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am a victim of identity theft would like this accounts 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 2025-07-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: DE

Complaint narrative:
I am filing this complaint against Experian regarding the account listed as XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX ). This account was previously removed from my credit report, but it has now been reinserted without any prior notice or certification of accuracy, which directly violates Section 611 ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

Under FCRA, if a deleted item is reinserted, the consumer must be notified in writing within 5 business days of the reinsertion. I have not received any such notice from Experian, nor have I been provided with any documentation verifying the accounts accuracy or justification for the reinsertion. This failure to notify me is unlawful and has caused harm to my creditworthiness. 

This account 's reappearance without validation or warning is unjust and places an unfair burden on me as a consumer. I request that this matter be investigated immediately.

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 2025-07-26 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:
In XXXX Equifax Inc. experienced a massive data breach that exposed the sensitive personal information of approximately XXXX XXXX Americans. This breach included names, Social Security numbers, dates of birth, addresses, and in some cases, drivers license numbers and credit card information.

I am one of the individuals whose information was compromised in this breach. I did not authorize the release or use of my personal information in any way. Since the breach, fraudulent accounts have been opened using my identity. These accounts were not initiated, approved, or recognized by me. 

The misuse of my personal data has affected my financial reputation, and I am requesting that all fraudulent entries on my credit reports be blocked and permanently removed under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( a ). I am submitting this statement as part of my identity theft report to assist with investigations and to support my request for corrective action by the credit bureaus.

I respectfully request that all necessary steps be taken to protect my identity, prevent further misuse of my personal information, and repair the damage done as a result of this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Camino Financial Inc.
State: VA

Complaint narrative:
Im writing CFPB in regard to my rights as a consumer. Ive been writing and calling every credit bureau and company trying to address the adverse credit on my credit. Per 15 USC 1681B the credit bureaus are violating my rights. Ive sent my identification and Social Security number with my address above to XXXX XXXX, XXXX, and XXXX. I have no power on their end to correct my credit. I have been trying to do this since XX/XX/scrub> 2023. I get automatic responses by email and have received some mail. Ive called XXXX, XXXX, and XXXX, and they all had the same response. Their process is looking a credit reports and not calling or contacting the companies to investigate one at a time. They all have blatantly ignored my rights as a consumer. Nothing has been deleted at all. XXXX responds only once, via email, and XXXX  responds via mail and an automatic response. XXXX XXXX responded once as well. I have requested that all companies listed on my credit bureaus respond, and I will be emailing a few responses as part of a complaint. Some companies have charged off, and I have responded to the following companies : XXXX, XXXX XXXX, and XXXX, XXXX XXXX XXXX, XXXX. No prevail in getting any kind of debt validation and trying to be taken to court. A creditors contacted me after sending a cease and desist letter. Please investigate and have these debts removed from my credit reports immediately, per my rights. I appreciate your time in this matter, thank you. 

Camino Financial broke the law by contacting by phone and texting after send the company a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: WA

Complaint narrative:
On XX/XX/2025, I viewed my TransUnion credit report and found a discrepancy section at the end of my report called CHECKING ACCOUNT AND DEMAND DEPOSIT ACCOUNT ACTIVITY. The data source is XXXX XXXX XXXXXXXX requested by TransUnion Consumer Inte on XX/XX/2025. It lists all activity for the past 3 years. I have never seen this on my credit reports until now. I contacted TransUnion at ( XXXX ) XXXX and spoke to a rep and asked why this was on my report and I wanted it removed because it looks bad on my flawless report, He said he does not see this info on my report and could not answer why it was there. He was argumentative and was dismissive and he kept talking over me at this point I was fuming he said he was going to transfer me to supervisor and proceeded to hang up on me. I called back and spoke to a " dispute '' rep I asked the same question of why this is on my report he could not see it on there either and had no answers. He told me he was going to have a supervisor call me and it never happened. I was given a file #. I am dealing with the aftermath of being a victim of fraud and had my bank acct wiped out just a month ago. So, I am very frustrated and stressed that TransUnion created this mess and the reps are clueless and I can't get this REMOVED!!!!

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 2025-07-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the accounts is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX Balance : {$17000.00} Open Date XX/XX/XXXX Last Activity XX/XX/XXXX Payment history : XX/XX/XXXX XXXX 30 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I am formally filing a complaint the reporting and or access of certain information on my credit report pursuant to Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ). This section of the law explicitly states.

Upon review of my credit report, I have found that certain parties may have obtained or used my consumer report without a permissible purpose as defined by FCRA. This is a direct violation of federal law. 
The following entry or entries are disputed : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I am formally filing a complaint the reporting and or access of certain information on my credit report pursuant to Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ). This section of the law explicitly states.

Upon review of my credit report, I have found that certain parties may have obtained or used my consumer report without a permissible purpose as defined by FCRA. This is a direct violation of federal law. 
The following entry or entries are disputed : 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-07-26 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: AZ

Complaint narrative:
I have been trying to remedy fraudulent information on my credit report with no success. I have filed a identity, theft report and Im attaching it.

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 2025-07-26 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 disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-26 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: GA

Complaint narrative:
I opened the checking account as the advertised XXXX opening bonus after direct deposit XXXX and activate debit card. The bonus is supposed to credit to my account within 5 days but I have not yet received. The bank missed what they promised and refused to give credit to me.

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