vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing multiple unauthorized hard inquiries appearing on my consumer credit reports maintained by Equifax, TransUnion, and Experian. These inquiries, dated XXXX and XX/XX/year>, were reported from the following entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 am formally disputing multiple unauthorized hard inquiries appearing on my consumer credit reports maintained by Equifax, TransUnion, and Experian. These inquiries, dated XXXX and XX/XX/year>, were reported from the following entities : 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 explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: NC

Complaint narrative:
The XXXX credit bureaus XXXX XXXX XXXX XXXX are reporting a remaining balance of {$3000.00} for XXXX XXXX XXXX XXXX. XXXX XXXX. They are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am requesting my contract for the lease agreed for this property, and I also am requesting picture evidence and a breakdown of the items/damage that was reported. I have been trying to contact them, but they continuously hung up the phone not answering any of my request. I therefore request that you immediately delete this specified item. I have written multiple letters, and no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Self Financial Inc.
State: CA

Complaint narrative:
A creditor has violated my rights by reporting inaccurate information on my credit report without providing proper validation, chain of title, or legal documentation proving their right to collect this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to ensure the maximum possible accuracy of all reported information. Additionally, 15 U.S.C. 1681i mandates that disputed information must be promptly reinvestigated and deleted or corrected if found to be inaccurate, unverifiable, or fraudulent. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, further requires debt collectors to validate debts and provide documentation such as the original contract or chain of title upon request.

I demand that all inaccurate, unverifiable, and unvalidated information be deleted from my credit report immediately. Failure to comply will compel me to initiate legal action for violations of my rights under the FCRA and FDCPA, with potential claims for statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. Take this matter seriously and act without delay to remedy your reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
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. 

Please delete the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
This year in XXXX, I was pressured into signing a personal training contract at XXXX XXXX. The salesperson misrepresented the pricing : I was told it would be {$20.00} per person ( {$40.00} total ) per session for two people. The contract they had me sign reflects XXXX XXXXXXXX/session, per person, but XXXX now claims I agreed to XXXX XXXX/session, per person. 

When I realized I had been misled, I attempted to cancel both the personal training and my basic membership. XXXX refused to allow cancellation, citing the personal training contract. 

In XXXX, I formally disputed the debt in writing. I stated clearly that I did not accept the remaining balance as valid, explained that the contract was signed under misleading circumstances, and warned that if XXXX attempted to escalate the account to collections, I would contest and report it to regulators. I also requested confirmation that my dispute and cancellation were recorded in their system. 

Despite my clear dispute, in XXXX, XXXX sent the account to Aldous & Associates PLLC for collection. 

Aldouss validation included : - A copy of the contract showing XXXX XXXXXXXX/session ( supporting my dispute ). 
- A summary letter inflating the alleged balance with a 35 % collection fee not authorized in the contract. 
- No full itemized payment history, only a lump-sum breakdown. 

Issues with the validation : 1. Misrepresentation : The contract lists XXXX XXXXXXXXsession, not XXXX XXXXXXXXsession. I was misled into signing under false pretenses.

2. Unauthorized Fees : Aldous added a 35 % collection fee not specified in the contract and therefore unenforceable.

3. Incomplete Validation : They failed to provide an itemized payment history. 
4. Ignored Dispute : XXXX escalated to collections despite my written dispute and warning in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesys National Recovery, Inc.
State: FL

Complaint narrative:
Genesys National Recovery , Inc . 
XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Urgent Dispute of Inaccurate Information CFPB Case SECOND DISPUTE INTENT FOR LITIGATION Dear Sir or Madam, I am writing regarding inaccurate information reported under my name. Despite submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, Genesys National Recovery have failed to respond or correct the inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA 611 and 623, 15 U.S.C. 1681i & 1681s-2 ), you are legally obligated to : Conduct a reasonable reinvestigation of disputed information. 

Correct or delete any inaccurate, incomplete, or unverifiable information. 

Comply with XXXX XXXX compliance codes, including : I = Information Disputed by Consumer U = Unable to Verify E = Error Your failure to investigate and respond constitutes a violation of my rights under the FCRA. 

I hereby demand that you complete a full reinvestigation of all accounts reporting under my name and provide written confirmation of your actions within 15 days of receipt of this letter. 

Be advised : if you fail to respond, I am fully prepared to pursue litigation for violations of the FCRA. Under 15 U.S.C. 1681n, I will seek actual damages, statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. Each inaccurate or unverifiable account constitutes a separate violation. 

I expect a prompt written response confirming the status of my dispute. Failure to act will leave me no choice but to escalate this matter through legal channels immediately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is the 2nd complaint I am taking against the bank. Im honestly fed up with all of this. I HAD to do thier job the 1st time and they did nothing still after filing a complaint. What are they not grasping? I filed merchant complaints and the wells fargo employees filed them incorrectly. None of the employees wanted to help. The last person I spoke to in the fraud dept told me i should have never been able to file the claims to begin with. Which is against the law for me not to be allowed to yet this bank has nothing brought against them or the employe fired for lying on a recorded line to me. This bank couldn't and wouldn't do the investigation that I had to do for them. They refused to LEGALLY do the job they are bound by consumer law to do. The last person. A woman unknown name in the investigation dept I spoke to didnt do her job either and stood by the original findings. Which again. You are standing behind claims that were FILED WRONG! You are standing behind some employee in the fraud department who lied to me and told me I wasnt allowed help for the claims I filed. Which again. Bound by law you are to investigate the claims I filed, I have to file another consumer complaint against them. They didnt do anything from the get go of my 1st complaint against them. Now they want me to pay the negative balance in my acct when I did the investigation job for them and recovered most of the funds I asked them originally to do. Its not happening. I wont pay for what they lacked to do. They need to go back and recover the remaining amount from the merchant. I recovered 3/4 of the original disputed amount. I gave them all the evidence they chose not to use the documents and videos I provided. Again. If they did thier job. I wouldnt file a 2nd complaint or have them calling me everyday.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Subject : American Express - Inaccurate Reporting of Credit Account I dispute the American Express account XXXX. Amex is reporting late payments and balances inconsistently across bureaus, violating FCRA 607 ( b ). Without full account verification, including original agreements, this tradeline must be deleted per 15 USC 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NJ

Complaint narrative:
Cash app took my money from my account and didnt give it back when i tried to dispute cash app has the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
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. 

Please delete the following accounts : 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 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 Incorrect Personal, has violated my rights. 

I looked at my credit bureau EXPERIAN credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation