vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Due to a persistent and unsafe rat infestation, I was forced to vacate the unit to protect the health and safety of my children and dog. I have documented evidence including photos, and written complaints that support these claims. 


After reporting signs of rodent activity in my unit, I was advised to purchase plastic storage containers with my own money to protect my childrens food in the pantry. I also submitted a request to be transferred to another unit, which the property manager denied. 

Later, I discovered that other tenants in the building were experiencing the same rodent problem. Pest control was eventually sent out, and it was confirmed that the source of the infestation was in the attic, located directly above the closet in my childrens bedroom. Despite this discovery, no permanent solution was offered. Instead of properly addressing the root of the problem, management only placed traps, which were not only ineffective but also unsanitary and disturbing. 

This situation has caused unnecessary stress and financial hardship. Ive had to spend my own money on plastic containers and other preventive measures, all while continuing to pay my rent on time each month. My childrens health and safety have been put at risk, and the conditions have been unacceptable for a habitable living environment. 

I am requesting that this issue be taken seriously and resolved immediately. I am also seeking reimbursement for the out-of-pocket expenses I have incurred due to managements failure to maintain a safe and sanitary home. 



Under Louisiana Administrative Code Title 51, Part XIII, Section 117, landlords are required to maintain dwellings free from rodent infestation and provide a sanitary, safe living environment. This falls under the Louisiana Sanitary Code, and the conditions I endured were in direct violation of these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I am formally disputing the reporting of the above-referenced account under my consumer rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I never granted permission for this account to be reported to any consumer reporting agency. Your continued reporting of this account without my direct authorization constitutes an unauthorized publication of my personal consumer information, in violation of FCRA 604 ( a ) ( permissible purpose ) and FDCPA 805 ( c ) ( cease communication ).

Under FCRA 611, you are required to conduct a reasonable investigation and remove or correct any inaccurate or unauthorized information within 30 days. 

This letter also serves as a formal cease and desist from any further reporting, collection activity, or communication regarding this account, except to confirm deletion or compliance. 

If you fail to comply, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my states Attorney General, as well as pursuing civil remedies for damages. 

Please provide me with written confirmation within 30 days that this account has been permanently deleted from all credit reporting databases.

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 2025-08-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I am formally disputing the reporting of the above-referenced account under my consumer rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

I never granted permission for this account to be reported to any consumer reporting agency. Your continued reporting of this account without my direct authorization constitutes an unauthorized publication of my personal consumer information, in violation of FCRA 604 ( a ) ( permissible purpose ) and FDCPA 805 ( c ) ( cease communication ).

Under FCRA 611, you are required to conduct a reasonable investigation and remove or correct any inaccurate or unauthorized information within 30 days.

This letter also serves as a formal cease and desist from any further reporting, collection activity, or communication regarding this account, except to confirm deletion or compliance.

If you fail to comply, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my states Attorney General, as well as pursuing civil remedies for damages. 

Please provide me with written confirmation within 30 days that this account has been permanently deleted from all credit reporting databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: KY

Complaint narrative:
I am filing a formal complaint to disputing the following credit inquiries that appear on my credit report. These inquiries were not authorized by me and were not initiated for any transaction that I applied for or permitted. Pursuant to FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries do not meet any of the allowable purposes outlined by law.EXPERIAN 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I am filing a formal complaint to disputing the following credit inquiries that appear on my credit report. These inquiries were not authorized by me and were not initiated for any transaction that I applied for or permitted. Pursuant to FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), a consumer reporting agency may only furnish a consumer report under specific permissible purposes. These inquiries do not meet any of the allowable purposes outlined by law.EXPERIAN 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 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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 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 XX/XX/XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-08-11 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Account # XXXX. I am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location. 3. Do not contact any of my family members, friends, or associates in relation to this debt. 4. Do not report this alleged debt to any credit reporting agencies. 5. Do not initiate any legal proceedings against me without providing proper documentation and proof of the debt 's validity. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Any further communication from you should be solely for the purpose of providing the requested documentation or notifying me that you have ceased all collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 
Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: IL

Complaint narrative:
I was a victim of identity theft and the equifax data breach. Many illegal account has been opened in my name and illegal inquiries attempting to open accounts. I have tried working with Equifax to resolve this and Equifax has done nothing. Please help me remove all of these illegal account and inquiries effectively immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX 3 times XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : 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 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 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 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

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified an inaccurate hard inquiry on my credit report. I have not authorized this action and am requesting an investigation into its origin.

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 2025-08-11 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: FL

Complaint narrative:
I am submitting this statement to formally dispute several inaccurate and outdated items currently appearing on my credit report. Despite my efforts to have these corrected through the appropriate credit reporting agencies, they continue to reflect incorrect or unverifiable information. These entries are negatively impacting my credit profile and should be addressed immediately. The following are the specific items in question : 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 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

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 2025-08-11 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: FL

Complaint narrative:
I am submitting this statement to formally dispute several inaccurate and outdated items currently appearing on my credit report. Despite my efforts to have these corrected through the appropriate credit reporting agencies, they continue to reflect incorrect or unverifiable information. These entries are negatively impacting my credit profile and should be addressed immediately. The following are the specific items in question : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CT

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-08-11 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:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH 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 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I used the XXXX feature within the Bank of America mobile app to send {$1500.00} to a contact named XXXX that appeared in my transfer interface. I believed this was someone I knew because their name appeared in the list, even though I had never added this person as a recipient. After the transfer was completed, I discovered that the funds were not sent via XXXX, but to a Bank of America internal account. This was not clearly disclosed before the transaction. I have no prior relationship or transaction history with this recipient. 

On XX/XX/XXXX, I immediately contacted Bank of America to attempt to reverse the transaction. A case was opened, and I later visited a branch in person to explain the situation. Branch staff stated they had no authority and could only reopen the same case. Despite my cooperation and written explanations, the bank rejected the case, stating the funds could not be recovered. 

On XX/XX/XXXX, I sent a formal written complaint to the banks escalation department ( email : XXXX ) under case reference number XXXX. As of today, over two months have passed without any acknowledgment or resolutiondespite multiple attempts on my part to follow up by phone and email. No update, explanation, or investigation outcome has been provided.

I believe the transaction was made under misleading interface conditions, and that the bank failed to provide a necessary warning or verification prompt for an unrecognized recipientsomething other banks, such as XXXX, do provide. The prolonged delay without communication has caused both financial loss and significant emotional distress.

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 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A false and unauthorized account is appearing on my credit report. I have never engaged with the reporting creditor, and I have never authorized the use of my personal or financial information for this account. This fraudulent activity is damaging my creditworthiness and must be corrected without delay.

Company response to consumer: Closed with non-monetary relief