vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: MO

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 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 seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX. 

XXXX - XXXX XXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX  - XXXX DPEDXXXX XXXX XXXX DPEDXXXX  - XXXX DPEDXXXX XXXX XXXX DPEDXXXX XXXX XXXX DPEDXXXX - XXXX DPEDXXXX XXXX  XXXX DPEDXXXX - XXXX DPEDXXXX  - XXXX DPEDXXXX XXXX  XXXX DPEDXXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISTRIBUTION - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXXXXXX - Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX - Incorrect Personal XXXXXXXX XXXX XXXXXXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Transunion credit report on XXXX 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 supposed 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 supposed 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 non-monetary relief
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/year> I was notified that I had a collections from XXXX XXXX XXXX on my credit report regarding an apartment where I previously resided. The original amount on my credit report was {$4900.00}. This was the first time I have been notified about this bill existing. I was never sent any information by my previous landlord nor XXXX XXXX XXXX. I called the collections agency whom I have never spoken to nor had I received a bill from. I asked them to validate the debt and they sent me a letter that did not include when I had to pay this bill or that I had the right to dispute it. This was sent to the credit bureaus without my knowledge of this even existing or the collection agency contacting me. The credit bureaus should not have reported this on my credit report. I have made several disputes and they will not remove this collections. I disputed this collections on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. The debt collector never provided any proof that they attempted to contact me or spoke to me. I'm unsure of why the credit bureaus consider this legal. After several attempts to get this removed for my credit report the collections amount changed to XXXX. They accepted a falsified document sent to them months after this was originally reported. This document came allegedly from the corporate office of my former landlord. Nothing in this falsified letter matched up to what the property manager of my former landlord had sent to the collections agency. None of the information I have was provided to me by my former landlord. It was provided to the collection agency who has sent me this information only when I have called to address why they sent this to the credit bureaus without contacting me. They have yet to answer my question. The credit bureaus have yet to remove this collections 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 non-monetary relief
Consumer complaint received 2025-05-30 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: NJ

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Under 15 U.S.C. 1681i Demand for Deletion of Inaccurate Information Account Name : Santander Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Disputed Item : [ Late payment/collection To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, regarding the inaccurate and unverifiable information you are reporting on my credit file.

Let me be clear : I demand that this item be immediately removed from my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to conduct a reasonable reinvestigation within 30 days of receiving this dispute. If the information can not be verified with the original creditor, it must be deleted from my credit file, as per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

I demand that you provide me the following : 1. A full, written description of the reinvestigation conducted.

2. The name, address, and method of contact for each entity you used to verify the disputed information.

3. A written explanation of how you verified the information, including copies of any documentation you used in the process, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. A copy of my updated credit report reflecting the deletion of the disputed account ( s ).

you have fail to comply with your legal obligations and continue doing sham investigations do I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action under 15 U.S.C. 1681n and 1681o for willful noncompliance and negligent violations, including seeking actual damages, statutory damages, and punitive damages. 

I expect your full compliance within 30 days of your receipt of this dispute, as mandated by law. Failure to resolve this matter promptly will result in a legal actions

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 2025-05-30 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: CA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX for a one-time promotion and had autopay set up. In XX/XX/XXXX, autopay was removed after a returned payment but I was never notified by phone, email, or mail that it had been canceled or that my payments were missed. I assumed my account was in good standing. 

XXXX later claimed my phone number was marked disconnected. This is false Ive had the same mobile number for 11+ years. Their failure to update or verify correct contact info prevented any calls. Returned mail was not followed up with, and emails went to my spam folder. XXXX also disabled the secure message center on my online account, so I had no reliable way to communicate with them. 

I only found out my account was delinquent after being contacted by collections. I immediately paid the balance in full and closed the account. 

I called XXXX on XX/XX/XXXX ( Case # XXXX ), and a supervisor told me its not XXXX responsibility to notify customers of missed payments. When I calmly said I would file a CFPB complaint, she hung up. My second call that day lasted 7 minutes and confirmed a report was filed about the hang-up. 

Citis response to my initial CFPB complaint acknowledged poor customer service but did not address these core issues or offer a goodwill adjustment. Ive had a spotless payment history for over 7 years. These missed payments were due to a failure in their internal systems and communication, not negligence on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: WA

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX for a one-time promotion and had autopay set up. In XX/XX/XXXX, autopay was removed after a returned payment but I was never notified by phone, email, or mail that it had been canceled or that my payments were missed. I assumed my account was in good standing. 

XXXX later claimed my phone number was marked disconnected. This is false Ive had the same mobile number for 11+ years. Their failure to update or verify correct contact info prevented any calls. Returned mail was not followed up with, and emails went to my spam folder. XXXX also disabled the secure message center on my online account, so I had no reliable way to communicate with them. 

I only found out my account was delinquent after being contacted by collections. I immediately paid the balance in full and closed the account. 

I called XXXX on XX/XX/XXXX ( Case # XXXX ), and a supervisor told me its not XXXX responsibility to notify customers of missed payments. When I calmly said I would file a CFPB complaint, she hung up. My second call that day lasted XXXX minutes and confirmed a report was filed about the hang-up. 

Citis response to my initial CFPB complaint acknowledged poor customer service but did not address these core issues or offer a goodwill adjustment. Ive had a spotless payment history for over 7 years. These missed payments were due to a failure in their internal systems and communication, not negligence on my part.

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 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I opened a XXXX XXXX XXXX XXXX for a one-time promotion and had autopay set up. In XX/XX/XXXX, autopay was removed after a returned payment but I was never notified by phone, email, or mail that it had been canceled or that my payments were missed. I assumed my account was in good standing. 

XXXX later claimed my phone number was marked disconnected. This is false Ive had the same mobile number for 11+ years. Their failure to update or verify correct contact info prevented any calls. Returned mail was not followed up with, and emails went to my spam folder. XXXX also disabled the secure message center on my online account, so I had no reliable way to communicate with them. 

I only found out my account was delinquent after being contacted by collections. I immediately paid the balance in full and closed the account. 

I called XXXX on XX/XX/XXXX ( Case # XXXX ), and a supervisor told me its not XXXX responsibility to notify customers of missed payments. When I calmly said I would file a CFPB complaint, she hung up. My second call that day lasted XXXX minutes and confirmed a report was filed about the hang-up. 

Citis response to my initial CFPB complaint acknowledged poor customer service but did not address these core issues or offer a goodwill adjustment. Ive had a spotless payment history for over 7 years. These missed payments were due to a failure in their internal systems and communication, not negligence on my part.

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 2025-05-30 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: CO

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 each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, my business checking account with Bank of America XXXX XXXX XXXX XXXX ) was charged {$90.00} in overdraft fees, resulting from a unique combination of circumstances that were outside my control. 

First, a scheduled client payment was delayed, which I had expected to cover the account balance in time. Second, an employee mistakenly used my business debit card via XXXX XXXX, unaware that it was linked to this account. These were small transactions mostly under {$10.00} such as coffee and minor purchases. However, each one triggered a {$10.00} overdraft fee, compounding the impact significantly. 

Once I became aware of the charges, I immediately contacted Bank of Americas customer service and was transferred to a supervisor. I clearly explained that : The negative balance was caused by a delayed deposit, not irresponsible spending. 

The transactions were accidental and not made by me personally. 

I am trying to bring the account back to good standing, but these fees make that extremely difficult. 

Despite my explanation, Bank of America refused to reverse the charges, even as a one-time courtesy. I stressed that Im a small business owner, and this situation was caused by timing! not mismanagement. Still, they would not assist. 

I am asking the CFPB to help review this matter and assist in securing a courtesy refund of {$90.00} in overdraft fees. Ive made every good-faith effort to resolve this directly and am only turning to you as a last resort. The current outcome feels punitive and unfair, especially to a small business trying to stay afloat.

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 2025-05-30 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: CA

Complaint narrative:
Personal Information ( Equifax ) Former : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ORIG HIRE DATE XXXX XXXX, CA, Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just XXXX has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
I filled for XXXX in XXXX of XXXX  all my debts were included in this filling the Judge granted my XXXX and cleared me of all debts including my student loans. The federal student loan company 's have completely ignored this judgement and have never stopped trying to collect on these student loan debts. I get phone calls almost daily and emails daily from XXXX and at one time XXXX it was as well. I need this to stop, wrongfully trying to collect and reporting wrongfully to the credit bureaus. this has created health issues as well as financial issues.

Company response to consumer: Closed with explanation