vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: AZ

Complaint narrative:
I am filing a complaint regarding unauthorized hard credit inquiries performed by XXXX XXXX XXXX XXXX These inquiries were placed on my credit report even though the dealership never extended credit, never became a creditor in any transaction, and did not have my written authorization to access my credit file beyond submitting my application to a financing institution. 

The dealership is not a lender and does not meet the definition of a permissible-purpose user under FCRA 15 U.S.C. 1681b ( a ). 
Only creditors with an intent to extend credit may access a consumer report. Dealerships do NOT have blanket authority to pull hard inquiries themselves. 

XXXX XXXX XXXX placed multiple hard inquiries on my credit report without : XXXX my written authorization to the dealership, XXXX a credit card or credit account application made directly to them, XXXX an approved or pending credit transaction, XXXX any intent or ability to extend credit, XXXX any legitimate permissible purpose under FCRA. 

Dealerships may submit an application to potential lenders but the dealership itself has no lawful reason to hard-pull my credit unless they are the creditor. They were not. 



Applicable FCRA Violations Under FCRA, a dealership is NOT allowed to pull hard inquiries unless they meet criteria under : FCRA 604 ( a ) ( 2 ) Your written instruction FCRA 604 ( a ) ( 3 ) ( A ) Legitimate credit transaction initiated by the consumer FCRA 604 ( f ) Prohibition of obtaining a report without permissible purpose XXXX XXXX XXXX failed all three. 


Their liability ( not claiming yet, just stating ) Per FCRA : Statutory damages : {$100.00} {$1000.00} per violation Actual damages : credit score impact loss of credit opportunities higher interest rates emotional distress time spent correcting their unlawful reporting Willful violations ( FCRA 1681n ) : Punitive damages XXXX attorney fees Since there are XXXX unauthorized inquiries, their exposure is : {$2000.00} XXXX XXXXXXXX but I am not pursuing these damages at this time. 


Good-Faith Settlement Offer I am seeking an immediate deletion of ALL inquiries placed by XXXX XXXX XXXX, with prejudice , from all three credit bureaus. 

If they decline or ignore the request, I reserve all rights to : pursue statutory, actual, and punitive damages escalate to the FTC and state AG prepare for civil action under FCRA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-17 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I XXXX XXXX, My California EDD benefits were loaded onto a XXXX XXXX prepaid debit card, XXXX XXXX unexpectedly closed my card and told me the remaining balance would be sent by paper check. 
Multiple accounts was created by the EDD, still yet money network closed them again, Some checks were supposedly mailed, but after almost a year I have never received a single one. I have called XXXX XXXX and EDD more than 30 times. Every time Im told a check was mailed with no tracking number and no option to stop payment and reissue electronically. 
I am unbanked and have no safe or reliable mailing address that receives mail consistently. Paper checks are not a realistic way for me to ever get my unemployment benefits. The only way I can actually access my own money is through direct deposit / ACH.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This is not a mistake ; my credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Section 605C of the FCRA credit bureaus refuse to remove accounts even with proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
In XX/XX/year>, my wife and I ported our two active lines from XXXX to XXXX. We owned our devices outright and had no outstanding balance. We paid the final XXXX bill in XXXX, which included termination fees. That payment was accepted and processed without issue. 

We also had a third promotional line on our XXXX account that was unused and assumed to be automatically canceled when the primary lines were removed. However, in XX/XX/year>, I discovered that XXXX had continued charging for this third line throughout XXXX, XXXX, and XXXX, despite it being inactive and inaccessible. 

I contacted XXXX and visited a store to verify identity and cancel the line. A supervisor confirmed we would be refunded for two months per policy, but we were ultimately refunded for all three months ( XXXX ), totaling approximately {$350.00}. 

Weeks later, I was contacted by a collections agency regarding the exact same amount that had been refunded. Upon investigation, I learned that XXXX had reversed the refund and referred the amount to collections. Their internal account investigation team claimed that because the line was used once in XXXXprior to our port-out in XXXXthe refund was invalid, and the charges for XXXX were now considered collectible debt. 

This creates a double billing situation : XXXX refunded the charges, then reversed the refund and sent the same amount to collections. The collections agency stated they require a {$0.00} due bill from XXXX to remove the claim, but XXXX refuses to issue one. 

I am requesting CFPB assistance to : Investigate the collections agencys reporting of this debt Ensure the inaccurate claim is removed from my record Prevent further attempts to collect on charges that were already refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I submitted a CFPB complaint on XX/XX/year>, Complaint ID : XXXX. Today, XX/XX/year>, I received a response that was wildly unacceptable. In haste and as a first time homeowner new to all of this, I submitted feedback that requires more depth, and so this response is to notify the CFPB that the servicer did not provide an acceptable or compliant response to my complaint. Details below. 

1. The servicers response is not addressed to me.The documents they uploaded are addressed to a woman named XXXX XXXX in XXXX XXXX, XXXX, which is not my name and not my location. This means their response was not individualized, not directed to me, and does not meet the CFPBs requirements for a timely and accurate investigation under 12 C.F.R. 1024.35 and 1024.36. This also raises serious concerns about mismanagement of consumer records and potential privacy violations. 

2. The response contains incorrect dates and appears to be recycled from unrelated internal documents. The uploaded materials are dated XXXX and XXXX, not XXXX, which was the deadline for their required response. This indicates the servicer did not investigate my complaint and simply attached outdated documents having nothing to do with the issues I raised. As a result, my complaint remains fully unresolved. 

3. The servicing errors I reported have not been addressed. My complaint details the servicers handling errors surrounding my XXXX and XXXX forbearance requests, inconsistent information from multiple representatives, wrongful application of delinquency and late fees, and contradictory forbearance procedures. None of this has been acknowledged or resolved in their response. 

4. Inappropriate and coercive financial questioning continues. During my most recent call with XXXX, on XXXX I was told there was nothing they could do about the servicers own errors. I was then asked whether I had 401 ( k ) funds, savings, or cash reserves to cover the charges caused by their mishandling. This is inappropriate and coercive, especially when the delinquency stemmed entirely from their internal servicing failures. 

Because the servicers response was not directed to me, was not accurate, and did not address a single issue in my complaint, I am requesting that this matter remain open and be escalated for further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 


I am submitting this complaint to report Experians continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The account in questionXXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Experian has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Experian is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Experian has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: OR

Complaint narrative:
Requested a balance transfer using a promotion. US Bank sent funds to XXXX XXXX. XXXX XXXX accepted the funds and removed the balance from my card. XXXX XXXX sent me a notification that there was a mistake and put the balance back on my card. US bank also has the balance on my card. I now have a balance transfer debt on two cards. XXXX XXXX sent US bank a check on XX/XX/year> for the amount of the balance transfer, but US Bank never applied the credit to my account. I have a copy of the check sent by XXXX XXXX. US Bank continues to claim all charges on my account are accurate, including the charge for the balance transfer that XXXX XXXX sent back to them. One balance transfer turned into two debts.

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 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
They sued me and threatened to filed a judgment against me if the debt is not paid. So I was afraid and I set up arrangements to pay {$100.00} per month. I made one payment.. I am XXXX and XXXX XXXX XXXX XXXX XXXX. Ive had XXXX XXXX  and cant work totally XXXX.. I shared all that information with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$6100.00} OFFICE OF THE ATTY GEN # XXXX XX/XX/XXXX -- {$690.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$7400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$9300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus.

Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief