vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: MS

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 2025-06-11 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: TX

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn that I have been a victim of identity theft. I found numerous accounts ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) on my credit report not opened by me. Please remove these fraudulent accounts soon as possible. I also found Inquiries on my credit report from creditors I did not give my permission to run my credit. These Inquiries are fraudulent. Please remove these fraudulent inquiries from my credit report as soon as possible. These fraudulent Inquires are XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of an account listed on my credit report. The account in question has been closed since 2018, yet it continues to appear on my report and is consistently marked as verified despite my previous disputes. 

Account Name/Number : XXXX XXXX XXXX XXXX XXXXXXXX Closed : 2018 Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute inaccurate or outdated information and request a proper reinvestigation. If the furnisher can not verify with documented evidence that this account is being reported accurately, it must be corrected or removed.

Furthermore, continued re-reporting of outdated or unverifiable information violates FCRA obligations, and failure to correct this error after multiple disputes constitutes willful noncompliance under 15 U.S.C. 1681n. 

I am demanding the immediate removal or accurate correction of this account. Please provide a detailed description of your reinvestigation process, the name and contact information of the furnisher you contacted, and a copy of any documentation used to verify the accounts accuracy. 

If this matter is not resolved within the required XXXX period, I am prepared to escalate the situation by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and my state Attorney General.

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 2025-06-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: NY

Complaint narrative:
I have my SSI benefits go directly to my NetSpend card every month and last month NetSpend locked my card, in order for NetSpend to remove the lock I must upload a government issued id or a DMV id to them but I don't have either one of those id, NetSpend have been holding my SSI benefits, I have uploaded a copy of my birth certificate, SSI card, medical records and proof of address and they will not accept none of these things. I don't have the funds to get a government id because NetSpend has all of my benefits. I'm an older XXXX person and I'm in desperate need of my funds. Also the reason why my card was locked is because I tried using an ATM that didn't have any money in it, I didn't know so I tried making a withdrawal 3 times before NetSpend locked my card. Please help me.

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 2025-06-11 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: NV

Complaint narrative:
As a consumer whose rights are safeguarded under both federal and state law, I am making a formal request for the prompt removal and suppression of all fraudulent and incorrect inquiries appearing on my credit reports. Should this issue remain unresolved, I will have no choice but to take legal action to enforce my rights.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX : Consumer Date of Birth : XX/XX/scrub>XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened with a company by the name of XXXX XXXX  XXXX under the account number the XXXX with a balance of {$920.00}, and a account with a company by the name of XXXX XXXX XXXX XXXX under the account number XXXX with a balance of {$660.00}. I do not recognize the aforementioned collections, that are appearing on my consumer XXXX credit report. The aforementioned accounts that are on my credit report were not opened, made, or initiated by me. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned collection accounts are the result of identity theft and fraud.

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 2025-06-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
b'To Whom It May Concern,\n\nI am submitting a formal dispute regarding an account from American Express, which appears inaccurately on my credit report. Below are the details of the account in question:\n\t\tAccount Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is being reported as charged off, yet the information being furnished is inaccurate and possibly incomplete. I have disputed this account with the credit bureaus multiple times, without any supporting documentation from American Express.\n\nUnder the Fair Credit Reporting Act (FCRA), specifically 15 U.S. Code  1681i and  1681s-2(b), both credit reporting agencies and furnishers of information are legally obligated to:\n\t\tConduct a reasonable investigation of any dispute.\n\t\tDelete any information that is found to be inaccurate or unverifiable.\n\t\tProvide consumers with the method of verification and documentation upon request.\n\nAs of this date, I have not received any documentation that properly verifies this debt, nor any explanation as to why it continues to be reported. I am concerned that the account may be reported in violation of FCRA guidelines, especially regarding proper verification and the completeness of the information.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: IL

Complaint narrative:
XXXX. Date of transaction? 
The date of transaction should be XXXX. 

XXXX. What the business committed to provide you? 
No payments for 6 months promotional offer after installation, in which helped us make to decision to go ahead with the purchase process to be installed in XX/XX/year>. 

XXXX. What the nature of the dispute is? 
They used deceptive practice by going onto the account approximately on XX/XX/year> and changed the official payment due date of XXXX to XXXX in order to incur finance charges and high interest costs. It also gives the appearance that we are not making payments on time. Its the same deceptive practice actions according to their previous FTC ( Federal Trades Commission ) lawsuit. 

XXXX. Whether or not the business has tried to resolve the problem? 
No, they continue to give us the run-a-round, refuse to call us back in the time frame they noted, they continue to post payments with interest on the account, which still states to this day, payment due XXXX. We recently received a letter from Aqua Finance , Inc. to a XXXX XXXX with our address on it. This letter does not belong to us and they claim to be a debt collector. 

XXXX. If the issue involves advertising, when and where were the ads seen or heard? 
On XXXX, XXXX XXXX XXXX salesman came to our home, spoke with us about types of showers, monthly payment that would fit our budget, financing and most of all offered the NO payments for 6 months after installation promotion, which is what helped us make the decision to go ahead and have the new shower put in. XXXX XXXX XXXX continued to have this promotion each month, as far as, we know until the end of XX/XX/year>. It was XXXX XXXX XXXX who partnered with Aqua Finance , Inc . 

XXXX. Settlement desired? 
Selected : Other ( requires explanation ) Explanation? 

We no longer can trust Aqua Finance , Inc. because of their deceptive practice actions, we dont feel it safe to expose our personal information to Aqua Finance and we no longer want to do business with them. We recently received a letter to a Dear XXXX with his ( or who knows ) personal situation, in which, Aqua Finance posing as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint.

The following fraudulent, inaccurate, and false information has appeared on my credit report : XXXX XXXX : Collections account opened on XX/XX/year>, associated with XXXX XXXX ( mobile plan provider account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my FICO credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current Experian FICO credit report clearly highlighting these fraudulent entries.

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the

U.S. Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA
).

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 2025-06-11 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: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. Th

e FERPA protects the confidentiality of people and students and the records of them. Which was not upheld, my debts, inquiries, collections, late payment and closed accounts should be cancelled in full. Data breach Section 605 Code 15 USC 1681

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 2025-06-11 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: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of people and students and the records of them. Which was not upheld, my debts, inquiries, collections, late payment and closed accounts should be cancelled in full.

Data breach Section 605 Code 15 USC 1681

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 2025-06-11 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: TX

Complaint narrative:
My personal and financial information was compromised without my authorization. The FERPA protects the confidentiality of people and students and the records of them. Which was not upheld, my debts, inquiries, collections, late payment and closed accounts should be cancelled in full. 

Data breach Section 605 Code 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
On XX/XX/year>, I submitted disputes regarding several accounts due to inaccuracies and their unverifiable nature. To date, Equifax has failed to provide essential documentation to validate these accounts, including original signed contracts with wet signatures, complete billing statements, documentation of assignment from the original creditors, and any legal documents that substantiate the legitimacy of the accounts in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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