vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: INTERNAL CREDIT SYSTEMS, INC
State: OH

Complaint narrative:
On XX/XX/year> at XXXX I spoke with XXXX XXXX I tried to call to find out what exactly was going on because I received conflicting stories about the charges left on my account. XXXX says that I owe months of back membership fees- Everybody fitness has said my contract ended XX/XX/year>, after receiving notice of cancellation on XX/XX/year>. Payments are taken out on the XXXX of the month, they are also trying to charge a yearly fee but the contract states only 3 yearly fees are required and theres no mention of a yearly fee after going to a month to month membership. I have requested to see that information and was told its not in the contract. 

XXXX kept taking over me wouldnt let me explain and threatened that he had my social security number and that the charges would keep going up if I didnt pay. 

XXXX doesnt understand my contract with Everybody fitness and refuses to take the time to understand it. 

The previous day XXXX spoke with my husband and when he asked, are you XXXX? My husband responded, no After my husband expressed that he wouldnt be paying today XXXX threatened to take us to court if we didnt pay today, and that he would charge us thousands of dollars. 

I do have a recording of the call with XXXX on XX/XX/year> but the file is too long to include. If there is a another way to include that I am happy to send it over.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
This letter constitutes a formal dispute under FCRA, FDCPA, TILA, and UCC related to unauthorized inquiries and your recent XXXX  data breach that exposed consumer data. 
DISPUTED INQUIRIES NO PERMISSIBLE PURPOSE : XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year> These hard inquiries are not associated with any open or positive accounts. They violate FCRA 604 ( a ) ( 3 ), which requires that any party requesting my credit report have a permissible purpose directly related to a credit transaction initiated by me. I did not authorize these pulls. 
ADDITIONAL CONCERN : I was impacted by the TransUnion XXXX  data breach. You have a duty under FCRA 607 ( b ) and the Consumer Financial Protection Bureau 's guidelines to ensure accuracy and safeguard consumer data. Any inquiry or account stemming from compromised data must be removed. 
ACTION REQUESTED : Delete the above-listed inquiries Provide documentation of permissible purpose Confirm breach-related protections placed on my file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Cashapp denied an unauthorized claim of {$55.00} when my phone was stolen. I disputed the claim and the denied it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
This complaint concerns Early Warning Services unlawful reinsertion of information that had been previously blocked under FCRA 605B. 

On XX/XX/year>, Early Warning Services ( EWS ) confirmed in writing that it had blocked information furnished by XXXX XXXX ( Dispute ID XXXX ) after I submitted my FTC No. XXXX, as required under the Fair Credit Reporting Act ( FCRA ). 

However, on XX/XX/year>, I received XXXX letters from EWS : XXXX stated that the block had been rescinded and that the XXXX XXXX information had been reinserted into my consumer report because it was accurate and complete. 
The second letter said that EWS does not have access to account documentation and directed me to contact XXXX XXXX directly. 

EWS did not obtain a furnisher certification of accuracy and did not provide prior written notice to me before reinserting the previously blocked information, as required by FCRA 611 ( a ) ( 5 ) ( B ) and 605B ( c ) ( 3 ). 

By doing so, EWS violated its legal duty to maintain reasonable procedures to assure accuracy ( 607 ( b ) ) and to conduct a lawful reinvestigation ( 611 ( a ) ). Its actions reinstated information already determined to be the result of identity theft, causing renewed harm to my consumer and banking reputation. 

The reinsertion of identity-theft information without proper certification or notice constitutes a direct violation of federal law and CFPB/FTC guidance regarding reinsertion of blocked data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-10-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-29 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: MD

Complaint narrative:
I contacted Client Services on XX/XX/XXXX requesting all information and to cease and desist all calls, texts and emails. 
On XX/XX/XXXX they have sent another text so far. 
I would like the collection stopped. 
I would like them to cease and desist other than notifying me that collection has closed and anything on my credit report removed. 
I have attached the email sent on XX/XX/XXXX and the text received today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I dispute the above account as identity theft. Your XX/XX/XXXX reply enclosing a credit application and contract does not satisfy your duties as a furnisher. 
Governing duties ( concise ) : Upon CRA notice or a direct dispute, a furnisher must conduct a reasonable investigation, review all relevant information, and correct, delete, or block any item that is inaccurate, incomplete, or unverifiable. 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failing to report a bona-fide dispute can be misleading XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After identity-theft notice, you may not furnish the item unless you know it is accurate. 15 U.S.C. 1681s-2 ( a ) ( 6 ). Direct-dispute duties also apply ( 12 C.F.R. 1022.43 ). 
Dealer records are required : I have repeatedly called the selling dealership and received no answer. Dealer non-responsiveness does not excuse your obligations. As furnisher/assignee, you must obtain and produce the dealers origination records maintained for or on your behalf. 
Records demanded ( FCRA 609 ( e ), 15 U.S.C. 1681g ( e ) due within 30 days ) : Dealer jacket / origination file ( native retail installment contract and any wet-ink version ), all add-ons ( GAP/service ), e-signature audit trail ( timestamps, IP addresses, device IDs, OTP/SMS logs ), Red Flags/XXXX XXXX and any ID images captured.

CCTV/video from the dealership showing the person executing the contract and taking delivery ; if none, provide a sworn custodian declaration stating retention policy and non-existence. 
Drivers license used at opening ( front/back ), plus any XXXXproofing outcomes. 
Delivery/possession proofs ( buyers order, delivery receipt, title/registration trail, insurance binder at delivery, service/warranty history tied to the VIN ). 
Payment instrument trail ( first payment source, bank/routing or card tokenization, authorizations ). 
Complete call logs & recordings you rely on to claim I opened/used the account ( include XXXX ID and authentication steps ). 
Furnishing history ( Metro-2 fields and dispute/Compliance Condition Codes each month ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: TN

Complaint narrative:
I recently let someone live with me she stole my information and opened up some buy now pay later accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I disputed the 5/3 BANK NA ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) because the high balance amount, last verified date, and date of last activity are inconsistent and conflicting across the XXXX nationwide credit reporting agencies ( XXXX XXXX XXXX ). I have disputed this item multiple times. Neither XXXX XXXX XXXX XXXX have corrected or deleted the inaccurate information. I have requested reinvestigation and documentation from all three bureaus and notified the furnisher to investigate under 1681s-2 ( b ). I request the CFPB investigate whether the bureaus and furnisher complied with the FCRA and order deletion of any information that can not be verified, and provide remedies for FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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.

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 2025-10-29 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX ( XXXX ) sent our owner account to collections for an alleged balance of {$9600.00} related to property repairs following a XXXX water-damage incident at our XXXX  property in XXXX XXXX 

We never received any prior accounting, notice, or balance statement from XXXX before the account was sent to collections. The first time we learned of the alleged debt was in XX/XX/XXXX, when XXXX sent an XXXX XXXX to my husband after the account had already been referred to a debt collection agency. 

That statement shows that the balance derives entirely from XXXX XXXX XXXX XXXX XXXX XXXX XXXX  invoices. HRGs own internal emails from XX/XX/XXXX confirm that {$5100.00} of those charges were tenant responsibility ( for damage mitigation ) and {$3200.00} were owner responsibility ( for rebuild work ). Despite this, XXXX applied all charges to our owner ledger, rather than separating the tenants share as a tenant receivable. 

XXXX later sent the tenant, XXXX XXXX, to collections for those same chargesconfirming that they deemed the tenant contractually responsible. XXXX collection activity toward the tenant does not legally transfer that liability to the property owner. 

We have repeatedly requested validation and documentation, including : A full accounting showing how XXXX calculated the owner balance. 
Copies of the original XXXX  invoices. 
The section of our management agreement authorizing XXXX to reassign unpaid tenant debts to the owner. 
Proof of when the alleged balance was first communicated to us before collections. 

To date, XXXX has not provided any of this information. Instead, the debt collector has continued to contact us to negotiate a reduced balance of {$6000.00}, while XXXX remains silent and has not directly responded to our dispute. 

Authorization to perform repairs is not authorization to reassign uncollected tenant debt to the owner account. XXXX  accounting error, failure to notify us, and subsequent referral to collections constitute false representation of the amount owed and a failure to validate the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

We are requesting that XXXX and its collection agency : Cease all collection activity and remove this account from collections. 

Confirm no negative credit reporting has occurred. 

Provide full documentation and validation of any legitimate owner charges. 

Correct the balance to reflect only the verified owner portion of {$3200.00}, or formally close the account.

Company response to consumer: Closed with explanation