vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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:
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 2025-12-01 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: FL

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 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 2025-12-01 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Wage garnishment of {$940.00} a month or {$210.00} weekly. 
Action taken XX/XX/year> with the office of special civil part. No notification or participation in case has been made just fear mongering of settlement without participation from client. 
My son has a medical condition which requires outsourcing a therapist for which I pay for out of pocket as I am a single mother and his sole guardian with no additional income living within poverty level for a two income household in XXXX XXXX income taken out of paycheck would be detrimental and rent would not be afforded as well as food and medical expenses for my son landing us within a predicament of not being able to care for my XXXX XXXX XXXX son with this medical condition.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: VW Credit
State: MO

Complaint narrative:
On XX/XX/year> VW Credit Inc entered a agreement on XXXX  Volkswagen Tiguan. XXXX priced {$29000.00}. After XXXX  years of payments. During the pandemic I lost my job and wages. The vehicle was repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 XXXX  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.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 XXXX  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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 ) ( 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.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 ) ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
XXXX  company : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX This complaint concerns an inaccuracy and an unverified collection account reported by XXXX XXXX XXXX. I am formally disputing the validity of this debt. I do not recognize the debt buyer XXXX XXXX XXXX, and I dispute their legal right to collect on or report this account. I require proof of their ownership and the validity of the original debt. I am formally disputing the accuracy of this account as it appears on my credit file, as the company has failed to provide sufficient verification that it has legal standing to collect and report this specific debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I recently was a victim of XXXX  data breach and now this collections account has appeared fraudulently on my consumer report please remove this immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a small business owner, and on XX/XX/year> my business account experienced XXXX unauthorized ACH withdrawals totaling {$16000.00}. I immediately took the appropriate steps : I submitted Bank XXXXf Americas Unauthorized ACH Return Form ( XXXX ) on XX/XX/year>, within the XXXXrequired timeframe. 

I also filed a police report on XX/XX/year>, confirming that my account had been compromised. 

Bank of America successfully returned the first unauthorized debit of {$7900.00}, but did not return the second debit of {$9400.00}. 

On XX/XX/year>, the bank sent me a letter ( Case # XXXX ) stating that because they did not receive a response from the originating bank, I should attempt to resolve the matter by contacting the merchant directly. I believe this may be inconsistent with XXXX rules for handling unauthorized ACH transactions. 

To my understanding, under XXXX regulations : A signed XXXX from the account holder is sufficient for an XXXX Unauthorized Return, The receiving bank is not dependent on the originating banks permission, And the customer is not required to contact the originator, especially in fraud cases. 

As a small business, losing {$9400.00} has caused significant financial hardship. My business relies heavily on daily cash flow to cover operational expenses, and this situation has been very difficult.

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 2025-12-01 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:
Good day, I am formally requesting the removal of the following late payment from my credit report. This is an error in billing. I have consistently met my payment deadlines. I consistently ensure timely payments as my account is set to auto pay. Kindly ensure that updates are completed promptly and without delay. Attached are all the necessary documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

OFFICE OF THE ATTY GEN # XXXX - Date Opened XX/XX/XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX XXXX  XXXX  # XXXX - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of 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 XXXX  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.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am reporting an incorrect account that continues to appear on my credit report. I have disputed this account multiple times with the credit bureaus and provided the proof I have, but nothing has been corrected. Each time I dispute it, the bureaus simply mark it as verified without explaining how it was verified or showing any documentation from the company. 

The balance being reported does not match anything I actually owe, and I have never been given any clear records that show how this amount was calculated. I reached out and tried to resolve this on my own, but I am not getting any answers or verification. It feels like the account is being reported without proper investigation or supporting documents. 

This inaccurate information is hurting my credit, and I am just asking for a proper review. I need the company to either provide real verification of the debt or correct/remove it so my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Identity Theft Dispute and Request for Immediate Blocking of Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to notify you that I am a victim of identity theft and to formally dispute and demand the blocking and deletion of fraudulent accounts and inquiries appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. At this time, I have identified the following account ( s ) as fraudulent and not opened or authorized by me : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX These accounts are the result of identity theft and are not associated with any transaction I made or authorized. I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) to have this information blocked from my credit file. Under 15 U.S.C. 1681c-2, you are legally required to block and cease reporting any information that results from identity theft once you receive proper notice from the consumer. The statute does not require a police report for such action if a valid identity theft report ( please see below ) is provided. Identity Theft Declaration ( Pursuant to 15 U.S.C. 1681c2 ) I declare that I am a victim of identity theft and that the accounts identified in this letter were opened or used fraudulently without my knowledge or authorization. These accounts are not associated with any transaction I made. I affirm under penalty of perjury that the information provided in this statement is true and correct. Executed on : XX/XX/year> I am formally notifying you now and request that you immediately flag and investigate the fraudulent nature of the account ( s ). Please be advised that the continued reporting of clearly fraudulent information may be deemed willful noncompliance with the FCRA, subject to civil liability under 15 U.S.C. 1681n and 1681o. Requested Action : Immediately block the above account ( s ) from my credit report under 15 U.S.C. 1681c-2. Upon receipt of my supplemental documentation, complete the permanent deletion of the fraudulent information within 4 business days, as required by law. Provide me with written confirmation that the account ( s ) have been blocked or removed. If you fail to act in accordance with federal law, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal remedies. Thank you for your prompt attention to this matter. Please consider this dispute formally open and pending until resolved in full compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law. 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation