vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: OH

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 ( 5 ), before the end of the 30-day 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 explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I am writing this complaint with absolute certainty and great frustration regarding an error on my credit report. This inaccurate account has been negatively affecting my credit score and overall financial well-being, making it harder for me to achieve financial stability and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-07 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
In XXXX, I filed a dispute with XXXX  about a Barclays Bank Delaware credit card account that is listed on my consumer report, specifically over the amount of the last received payment and when it was received. On XX/XX/year>, XXXX  sent a letter stating that the information was verified. However, they ( XXXX  ) also modified the following items related to this account, on my credit report : * last payment made * date paid * payment received In response to this, on XX/XX/year> I sent a letter to Barclays Bank asking for the following : * a copy of the original signed contract, application, or instrument bearing my signature * a full, itemized transaction history of the account showing all charges, interest, credits, and payments * statements/records they rely upon for reporting the account information to XXXX  On XX/XX/year>, I also sent a letter to XXXX  requesting a written explanation of how the reinvestigation was conducted, specifically : * the procedures used to verify the disputed item 's supposed accuracy * names of any individuals who were contacted, along with their contact information On XX/XX/year>, I received a letter from Barclays simply stating that the account information was verified. I did not receive any of the information that I requested. 

I also have not received the explanation from XXXX  regarding how their alleged reinvestigation arrived at the conclusion that it did, or even that they did any investigation at all.

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 2025-11-07 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app took money out of my account and when I contacted them to complain and get it returned they closed my account and wouldnt give me back my money. Now I have direct deposits that are getting returned cuz I cant access the account or get the info about the deposits that are being returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: WY

Complaint narrative:
THE INFORMATION REPORTED IS ERRONEOUS AND UNVERIFIED.

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 2025-11-07 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:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX  - XX/XX/year> - the inquiry was not authorized. 
XXXX XXXX - XXXX the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: NY

Complaint narrative:
I enrolled in a debt management program through JG Wentworth in XX/XX/year> and have been making consistent payments. I was told that my payments would be around {$680.00} for XXXX accounts, the largest of which was with XXXX XXXX XXXXXXXX for {$17000.00} at the time that I entered the program. They settled XXXX of my accounts and took their hefty XXXX % fee up front rather than negotiate with XXXX XXXX XXXXXXXX, resulting in my debt ballooning to {$19.00}, XXXX and a civil lawsuit being filed against me. Despite being told that my monthly payments would not change, I now have to pay an additional {$400.00} a month because XXXX is notoriously tough. To date, JG Wentworth has not settled an account with XXXX XXXX XXXX XXXX XXXX  ). I believe that JG Wentworth purposely did this so that they can earn a higher rate. Secondly, I have been receiving nonstop emails and phonecalls from JG Wentworth to entice me to take out a high interest loan to pay off the remainder of my debt. Had JG Wentworth 's agents been upfront with me about my monthly payment I would have gone to a different program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 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 2025-11-07 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: LA

Complaint narrative:
I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 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 non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
I was eligible for student loan forgiveness in 2022 because I met the criteria of XXXX payments over 20 years. The loan forgivenss was never processed. I had actually made XXXX payments and requested the difference be reimbursed to me. 

I have been calling weekly both Student Aid and XXXX ( My loan service provider ) they both tell me it is the others responsibility. I have saved emails and chats validating I am eligible for loan forgiveness. I have been trying for over a year to find a resolution but to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am filing this formal complaint against EQUIFAX Information Services LLC for violations of the Fair Credit Reporting Act ( FCRA ), U.S. federal consumer protection laws, and Illinois state statutes regarding inaccurate and unauthorized information appearing on my credit report. Specifically, EQUIFAX continues to report an inaccurate late payment for XX/XX/XXXX on my XXXX XXXX  account ( XXXX, opened XX/XX/XXXX ), despite this payment never being late. I have consistently paid on time, and this error damages my creditworthiness. Additionally, an unauthorized inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX appears on my credit file without my permission or any valid permissible purpose. I demand full investigation, removal of the false late payment, and deletion of the unauthorized inquiry. 

EQUIFAX is in violation of several sections of the FCRA ( 15 U.S.C. 1681 et seq. ), including 602 ( A ), which requires fair and accurate credit reporting ; 607 ( b ), mandating maximum possible accuracy ; and 611 ( a ), which obligates the bureau to conduct a reasonable reinvestigation of disputed information. Under 604 ( a ) and 609 ( a ) ( 1 ), no inquiry may be made on a consumers credit report unless authorized by the consumer or conducted for a permissible purpose. The XXXX XXXX XXXX XXXX inquiry lacks authorization and violates these provisions. EQUIFAXs failure to remove inaccurate and unauthorized data also constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under 12 U.S.C. 5531 and 5536, subject to enforcement by the Consumer Financial Protection Bureau ( CFPB ). 

Furthermore, EQUIFAXs actions violate the Illinois Consumer Fraud and Deceptive Business Practices Act ( 815 ILCS 505/2 ), which prohibits deceptive and unfair practices in commerce. Reporting false late payments and maintaining unauthorized credit inquiries misrepresents my financial history and harms my reputation. Under 815 ILCS 505/2Z, violations of federal consumer protection laws, including the FCRA, also constitute violations of Illinois state law. EQUIFAXs failure to verify or delete these inaccuracies despite notice demonstrates a disregard for both federal and state consumer protections. 

As a direct result of these violations, I have suffered measurable harm including damage to my credit score, potential denial of credit opportunities, and emotional distress. The false late payment and unauthorized inquiry have led to misleading portrayals of my creditworthiness. Under the FCRA, credit bureaus must ensure that all information they report is accurate, verifiable, and obtained with proper consent. EQUIFAXs continued reporting of this data has caused avoidable injury and violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: PA

Complaint narrative:
I hired Beyond Finance on XX/XX/XXXX to settle my unsecured debts. They failed to deliver on their promises and caused significant financial harm and legal action against me. XXXX 's Debt Mishandled : On XX/XX/XXXX, XXXX by way of XXXX XXXX XXXX XXXX XXXX, offered to settle my {$7100.00} debt for {$3900.00}. Beyond either ignored the offer or did not pursue it. I did not pursue the offer myself as Beyond Finance explicitly tells clients not to pursue or respond to any correspondence from creditors, to ignore phone calls, mail, etc. So, in good faith, despite this being a solid offer, I uploaded the offer to Beyond Finance expecting them to negotiate and accept the offer. I was waiting to hear back from them. As they never followed through, the account was sold to a law firm with legal action being brought against me, Beyond is trying to settle for more than the enrolled debt which was originally only {$7100.00}. Now the law firm is saying I owe {$8700.00} and has brought legal suit against me for this amount. Poor Customer Service : I raised lawsuit concerns and expressed my dismay about this. The chat agent dismissed them, saying that happens to a few customers and that they had a legal department that would handle this. This was a lie and downplayed serious legal and financial harm and risks. Breach of Contract : Their agreement promised commercially reasonable efforts to settle debts. Ignoring generous offers and delaying for fee collection fails that standard. They mismanaged my finances and caused significant harm. Their prioritization of fee collection over reasonable settlement opportunities is unacceptable. 
Misleading Legal Risk and Savings Claims : Their representative provided false assurances about the likelihood of lawsuits and the nature of legal notices, which left me unprepared and resulted in unnecessary legal expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
My credit report shows several inquiries that I do not recognize. I never gave permission for these companies to access my credit report, nor did I apply for any credit with them. This is a clear violation of my consumer rights and adds unnecessary stress to my already difficult situation.

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