vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
XX/XX/XXXX To Whom It May Concern, This letter serves as my formal demand for validation and correction regarding the account reported by XXXX ( Account # : XXXX ), which has been repeatedly and inaccurately provided to the credit reporting agencies. 

Despite my prior dispute regarding this account, I have now reviewed the updated information submitted as of XX/XX/XXXX, and I continue to strongly contest the accuracy, legality, and legitimacy of what is being reported. Your records now show : A changed original balance from {$250.00} to {$400.00} without explanation Continued reporting of multiple late payments ( 30 to 150 days ) from XXXX, none of which I have ever acknowledged, agreed to, or been properly notified of A status update with no accompanying proof or documentation in response to my previous dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information are required to report only complete and accurate data and must investigate any consumer dispute thoroughly and fairly. Simply stating completed investigation consumer disagrees does not fulfill your legal obligation under the FCRA. 

I am requesting the following documentation : A copy of the original signed agreement or contract between myself and XXXX XXXX XXXX accounting of all charges, payments, and interest to support the claimed balance of {$400.00} A detailed explanation for the change in reported balance from {$250.00} to {$400.00} Documentation showing I was notified of any late payments, and given proper opportunity to cure or resolve the account Proof of compliance with the FCRAs requirements for notice and reinvestigation under 15 U.S.C. 1681i and 1681s-2 ( b ) Internal notes, correspondence, or proof of proper reinvestigation performed after my initial dispute If you are unable to provide this documentation, then this account must be immediately removed from all credit reporting agencies. Continued reporting without full and proper validation constitutes willful noncompliance with the FCRA, which gives me the right to seek monetary damages in court under 15 U.S.C. 1681n and 1681o.

Let me be very clear : I am not opposed to pursuing this matter through legal channels if my rights under federal law continue to be violated or ignored. Inaccurate, misleading, or unverifiable data has no place on a consumer report, and I will not tolerate further damage to my credit or reputation without consequence.

I expect a full response, with the documentation requested, within 30 days of receipt of this notice, as required by law. This is my final attempt to resolve this matter directly and amicably. Should you fail to respond appropriately, I will not hesitate to take all legal steps necessary to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation. 
Please remove these inaccurate accounts inquiries from all my consumer reports immediately.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EGL US, LLC
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate information that appears inconsistently across my credit reports from XXXX XXXX XXXX XXXX 
Disputed Account/Item : * Creditor Name : XXXX BMG Loansatwork LLC * Account Number : XXXX & XXXX * Issue : This account is reported differently by each credit bureau XXXX Specifically : * XXXX  shows nothing reported * XXXX shows the account # is XXXX which is inaccurate. Date assigned is incorrect this loan was never assigned to any company other than the original lender BMG. The status is different from the other reporting agencies. 
* TransUnion shows The Lender is XXXX XXXX XXXX XXXX and the agency as XXXX XXXX. Date assigned id XX/XX/year> which is incorrect. The status shows collection. 

These discrepancies are materially affecting my credit profile, and I am requesting an investigation and correction to ensure consistency and accuracy in accordance with the Fair Credit Reporting Act ( FCRA ). 
Requested Action : Please investigate this matter with the furnisher of the information and update my credit report to reflect accurate and consistent reporting across all bureaus. Enclosed are copies of my credit reports and supporting documentation to assist with your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am disputing inaccurate information being reported by XXXX on my credit report. The accounts in question were closed on the following dates : XX/XX/XXXX ( Balance : {$6000.00} ) XX/XX/XXXX ( Balance : {$11000.00} ) XX/XX/XXXX ( Balance : {$10000.00} ) These accounts are listed as charged-off and closed, but XXXX continues XXXX report monthly late payments as recently as XX/XX/XXXX. This is misleading and causing ongoing harm to my XXXX XXXX, even though no payments are due under a current agreement. 

I am requesting that SECU update these accounts to accurately reflect their closed/charged-off status without ongoing late payment activity. Please investigate this matter under the Fair Credit Reporting Act ( FCRA ) and ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
Source receivables management received service to collect a time share unpaid invoice, I tried with both company over the phone to agree to a payment plan as I am a retired senior. Source receivable not only charged a high rate fee but will not apply any type of payment arrangement nor payment of any kind, either pay full or account keeps charging high fees until whole amount of XXXX is paid! Unbelievable, I can pay monthly until bill paid but can not even pay full amount, what do I do??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

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 account listed without my expressed written consent.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit 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 explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/year>, I was expecting delivery of a high-value order ( approximately {$3000.00} ) from XXXX, XXXX via XXXX XXXX under XXXX tracking numbers : XXXX, XXXX, and XXXX. 

The order included XXXX XXXX XXXX curved monitors and XXXX keyboard. However, I only received one monitor and the keyboard. The second monitorvalued at $ XXXXwas never delivered. 

Despite the high value of the shipment, no signature was collected. According to XXXX XXXX any package with a declared value of {$500.00} or more should automatically require a Direct Signature, yet this safeguard was ignored. I contacted XXXX, and they confirmed : No signature was obtained No delivery photo was available Responsibility lies with the shipper ( XXXX ) I reached out to XXXX, and they initially acknowledged the issue and created a replacement order, but then canceled it without explanation the next day. 

I filed a dispute with American Express under goods not received. They requested that I submit a formal letter documenting the situation, which I faxed and also submitted with supporting attachments. Despite providing all requested materials, Amex has not followed up or provided any resolution. 

I am now left with a {$1800.00} loss for an item that was never delivered, no clear proof of delivery from XXXX, no resolution from XXXX, and no further response from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I am writing to request your help in investigating these accounts due to inaccurate reporting on my credit profile. In line with USC 1681g, I am formally requesting their removal within the next XXXX  days. I have enclosed the relevant documents for your evaluation. Inconsistencies and inaccuracies in the account details are present across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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 XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting an installment loan that I did not authorize, apply for, or benefit from. I first noticed the account on my credit report around XX/XX/year>. I immediately disputed it with the credit bureaus and requested validation from the company, including a signed contract or application. They did not provide proof of my identity or authorization. 

This account is fraudulent and is negatively impacting my credit. 

I am attaching the following supporting documents : FTC Identity Theft Report Police Report ( XXXX Police Department ) I am requesting the permanent removal of this account under the Fair Credit Reporting Act ( FCRA 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 non-monetary relief
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is reporting an installment loan that I did not authorize, apply for, or benefit from. I first noticed the account on my credit report around XX/XX/year>. I immediately disputed it with the credit bureaus and requested validation from the company, including a signed contract or application. They did not provide proof of my identity or authorization. 

This account is fraudulent and is negatively impacting my credit. 

I am attaching the following supporting documents : FTC Identity Theft Report Police Report ( XXXX Police Department ) I am requesting the permanent removal of this account under the Fair Credit Reporting Act ( FCRA 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 2025-07-01 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: TX

Complaint narrative:
I am a victim of identity theft. XXXX XXXX XXXXXXXX XXXX XXXX XXXX is reporting an installment loan that I did not authorize, apply for, or benefit from. I first noticed the account on my credit report around XX/XX/year>. I immediately disputed it with the credit bureaus and requested validation from the company, including a signed contract or application. They did not provide proof of my identity or authorization. 

This account is fraudulent and is negatively impacting my credit. 

I am attaching the following supporting documents : FTC Identity Theft Report Police Report ( XXXX Police Department ) I am requesting the permanent removal of this account under the Fair Credit Reporting Act ( FCRA XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate and unverified information, as well as for providing false information to the CFPB regarding the resolution of my disputes. 

Equifax claimed they verified the accounts I disputed, but this is not true. I never received any legally required documentation from them. Instead, I reached out directly to the furnishers : XXXX XXXX and XXXX XXXX XXXX only sent over basic billing statements no contract, no chain of assignment, no account-level documentation, and nothing to verify the legal validity of the debt. 
XXXX also clearly stated in writing that they are not reporting to any credit bureau. So why is Equifax still reporting them on my credit report? 
XXXX XXXX has completely failed to respond to my validation request. As a furnisher of information, they are required by law to investigate and respond within 30 days. Their silence is a violation of my rights under FCRA 611 and FDCPA 809.

Equifaxs continued reporting of these accounts despite failed or non-existent verification is reckless and in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 non-monetary relief
Consumer complaint received 2025-07-01 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-01 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 HAWAII CORPORATION
State: HI

Complaint narrative:
Hello, I am a single mother recently lost my job. 
My funds are tight. I manage my money to the dollar and need every dollar. 

Bank of Hawaii has access to take fees anytime they want. 

My account is not over drawn, nor does it show negative. Its a bank error every month and they are stealing from me. 

This is the second week in a row they have claimed an over draft when my account is positive. For instance They charged me a future overdraft and they re-did the math and said she couldnt refund it, but she submitted a request. I was never refunded. And then this week, now I am overdrafted again. And another- {$30.00}!!! Its OUTRAGEOUS THEY ARE STEALING MY MONEY!!!!! I want to due them!!

Company response to consumer: Closed with monetary relief