vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: NC

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 2025-07-05 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not
treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-05 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:
Ive already disputed XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX and its still being reported inaccurately and needs to be deleted. 

You previously claimed the information was verified as accurate, and that conclusion is wrong and the account is still being reported inaccurately and unfairly. 

These reporting issues are inaccurate, misleading, and unverifiable. Under the Fair Credit Reporting Act ( FCRA ) 611, you are required to ensure all data is accurate and up to date. Since this account fails to meet those standards, I am demanding that you delete it immediately. 

Please respond in writing within 30 days confirming the deletion as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, 2025 I took a long look at my credit report. I noticed so many inconsistencies reporting on my report. I am well aware all data must accurate. Equifax, XXXX XXXX XXXX reported inaccurate and incomplete data on several accounts. These types of notation is effecting me from decreases my chances from purchasing a new home. It is unfair to me as consumer that the inaccurate reported notation is a defamation of my charater. I am slo aware that XXXX XXXX and Equifax are known for not conducting a fair and proper investigation. So there the chances of getting the accounts deleted from my credit report is very low. Recently I have read that The credit bureaus are facing law suits based on their lack of consulting proper and fair investigations. What I found in my review are inaccurate reported Dat Last Active, Inconsistency Balnaces, Inaccurate Payment History and etc. These factors are very vital. I am demandinf for yor agency to look further in making sure XXXX, Equifax and XXXX complete a proper investigation in each accounts. I have attached an article where the CFPB has used XXXX XXXXXXXX and Equifax fro there unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding my experience with Aqua Finance and the local dealer, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), in connection with the XXXX water treatment system purchased through financing. 

I recently exercised my right, as outlined in the revolving credit agreement, to withhold payment due to unresolved dissatisfaction with the goods and services provided. As stated in the agreement, if a customer has made a good faith effort to resolve an issue with the merchant and remains dissatisfied, they may be entitled to withhold payment on the remaining balance. I have formally invoked this right. 

In addition, I have filed related complaints with the Better Business Bureau against both XXXX XXXX and XXXX. 

Summary of My Dissatisfaction : Lack of Disclosure Regarding Maintenance Costs : Prior to purchase in XXXX, I was not informed that the XXXX system would require ongoing maintenance at a substantial additional cost. The existence of maintenance or membership fees was only disclosed after the sale was finalized. This lack of transparency denied me the opportunity to make an informed financial decision. I was under the impression that this was a low-maintenance system, and I would not have agreed to the purchase had I known about the recurring expenses. 

Inadequate Justification by Company Representatives : When I raised these concerns recently, representatives from both XXXX XXXX and XXXX compared the system to a car, stating that ongoing maintenance is standard. One manager at XXXX XXXX told me he had recently purchased a XXXX, and maintenance was not disclosed at sale. However, in my experience, vehicle dealerships do disclose maintenance expectations and offer optional extended warranties at the point of sale. Similarly, household appliance retailers provide clear options for 1-, 3-, or 5-year service protection plans before completing a sale. This is standard practice in consumer-facing transactions.

The comparison to vehicle purchases is misleading and inappropriate in this context.

Unexpected Financial Burden : The undisclosed recurring costs have created a financial burden that I am unable to manage, especially under current economic conditions. Furthermore, the system has experienced multiple issues in just two years, reinforcing my belief that it is not the low-maintenance investment I was led to expect. 

New maintenance cost disclosed in XXXX at {$220.00} per half hour and {$75.00} each additional half hour. Despite my attempts to resolve this matter directly with the merchant and financing company, I feel coerced into purchasing a monthly membership plan simply to avoid future high-cost, lump-sum maintenance charges. I have submitted documentation to support my concerns and communications with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I received multiple notifications that my social and name and info was part of two large data breaches. When I pulled a credit report there are multiple small credit cards and a personal loan it looks like that are not mine that show charged off on my credit. I disputed this info with Experian transunion and equifax three times and three times I got back that the accounts were verified but this is not correct and could not have been verified because I never applied for or used any of them. So it can not be me. I am the victim of identity theft and I ask that these be removed from my credit report as they are not mine and definitely do not belong to me and they are hurting me and my credit ability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-07-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I disputed a collection account from XXXX XXXX XXXX ( account XXXX XXXXXXXX ) with Experian. The apartment I signed for was not the one I was shown and was infested with cockroaches. I never lived in the unit and informed management of the condition. Despite this, the collector verified the debt without providing evidence. I am requesting that this account be fully validated or removed, as it is inaccurate and unfairly impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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:
Demand for Permanent Removal of Fraudulent XXXX XXXX XXXX Loan Due to Identity Theft To Whom It May Concern, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) regarding a fraudulent loan account reported by XXXX XXXX XXXX that resulted from identity theft. I have no connection to this account it was not opened or authorized by me. Despite multiple disputes and submission of identity theft documentation, this account continues to appear on my credit report and has not been permanently removed. 

- A loan account reported by XXXX XXXX XXXX was fraudulently opened using my identity. 
- I am not responsible for this account and have never authorized such a financial transaction. 
- I have submitted several disputes to both XXXX XXXX XXXX and the credit reporting agencies, along with full documentation including identity theft reports.

- Despite these efforts, the fraudulent account remains on my credit file, causing significant harm to my creditworthiness, security, and personal reputation.

Under the FCRA and its implementing regulations, I am entitled to the immediate and permanent removal of fraudulent information caused by identity theft. The continued reporting of this loan violates the following provisions : - 15 U.S.C. 1681c-2 ( FCRA 605B ) : Credit bureaus must block information resulting from identity theft within four business days of receiving : - Proof of identity - An identity theft report ( e.g., police report or FTC affidavit ) - A description of the fraudulent information - A statement of non-involvement - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of any information disputed by the consumer within 30 days.

- 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Mandates that any information that can not be verified must be promptly deleted.

- 15 U.S.C. 1681e ( b ) : Obligates credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of information.

- 12 CFR 1022.120129 ( Regulation V ) : Lays out specific protections for victims of identity theft, including credit file blocking and notification protocols. 
XXXX XXXX XXXX and the credit reporting agency/agencies are in clear violation of these statutes and continue to inflict harm by reporting an account that does not belong to me.

Supporting Documentation : Attached are : - A copy of my credit report showing the fraudulent XXXX XXXX XXXX account.

- My FTC Identity Theft Affidavit and/or police report.

- Prior dispute letters and responses from XXXX XXXX XXXX and the credit bureaus.

- Valid identification and proof of current address.

Requested Action : XXXX XXXX XXXX XXXX remove this loan permanently off of my consumer credit report Sincerely, XXXX XXXX XX/XX/year> XXXX last 4 of SSN

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Skopos Financial, LLC
State: FL

Complaint narrative:
My ex wife had a car that I co sign with her but the company repo the car and still have a charge off balance in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NC

Complaint narrative:
XXXX XXXX XXXX, filing this complaint personallyno third party is involved. Theres incorrect information on my credit report thats affecting my ability to buy a home. 
Ive waited for a response, but nothing has been done. This delay has caused stress and is affecting major plans in my life. Please correct this issue after reviewing the letters Ive submitted.

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 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were to receive a tax income refund check over XXXX XXXX XXXX at the time we have separated living apart from each other, for some unknown reason XXXX XXXXXXXX received notices at his house about the check coming but the actual check was sent to a different address that address was p XXXX. the check was written as XXXX XXXX XXXX XXXX XXXXXXXX. that check needed both our signatures to be cashed and it was only signed by one individual. XXXX XXXXXXXX knew it needed both signatures but gave the bank some kind of lie to get that check cashed and the bank did cash it.

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 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX  I took a long look at my credit report. I noticed so many inconsistencies reporting on my report. I am well aware all data must accurate. XXXX, Experian and XXXX reported inaccurate and incomplete data on several accounts. These types of notation is effecting me from decreases my chances from purchasing a new home. It is unfair to me as consumer that the inaccurate reported notation is a defamation of my charater. I am slo aware that Experian, Transunion and XXXX are known for not conducting a fair and proper investigation. So there the chances of getting the accounts deleted from my credit report is very low. Recently I have read that The credit bureaus are facing law suits based on their lack of consulting proper and fair investigations. What I found in my review are inaccurate reported Dat Last Active, Inconsistency Balnaces, Inaccurate Payment History and etc. These factors are very vital. I am demandinf for yor agency to look further in making sure Experian, XXXX  and XXXX complete a proper investigation in each accounts. I have attached an article where the CFPB has used Experian, XXXX and XXXX fro there unfair practices

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 2025-07-05 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: MI

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$210.00}

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 2025-07-04 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:
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 response to consumer: Closed with non-monetary relief