vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
I

n 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I am writing to dispute the accuracy of an account that has been reported on my credit profile. I did not initiate this account, nor do I recognize it as belonging to me. I have never had any contact or relationship with the creditor listed.

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 2025-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Didn't know I had the debt until I called the XXXX  to pay medi Credit corp. I called provided my XXXX as XX/XX/year> and set up automatic {$50.00} amount payments but was not informed.The data birth on my debt collection was incorrect. She gave me a account number.But when I over the weekend tried to set up the account it said my information was not matching. When I called back and spoke with medi credit they told me that they are not required to fix it in.The hospital is required to fix it.But when I call the hospital right after that, the hospital told me that medi has to fix it, that they can not even look up the debt anymore. Neither the hospital nor the debt collector is willing to fix the date of birth.So I can set up the portal and pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: AL

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-04 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: AL

Complaint narrative:
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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
These accounts were opened fraudulently and not by me ; I ask for their deletion from my credit report within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FINAL DEMAND Removal of Obsolete Personal Information Under Metro 2 Compliance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX [ SSN - XXXX Date XX/XX/XXXX To Whom It May Concern, This is a FINAL DEMAND for the immediate removal of inaccurate and outdated personal identifying information from my credit profile. Continued reporting of obsolete names, addresses, and employers is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The following entries are not legally verifiable, are no longer accurate, and must be deleted immediately : My current verified information is as follows : - Full Legal Name : XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cell : XXXX emaill address : XXXX ) Under FCRA 609 and 611, I am demanding a full reinvestigation of this personal information. If any of the listed items can not be fully verified through original source documentation not third-party databases they must be permanently deleted. 

Failure to act within 7 days will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Continued negligence in removing unverifiable data will expose your agency to liability. 

This is not a request this is a formal demand for compliance. 

Sincerely, XXXX XXXX cell : XXXX emaill address : 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 non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FINAL DEMAND Removal of Obsolete Personal Information Under Metro 2 Compliance XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX [ SSN - XXXX Date XX/XX/XXXX To Whom It May Concern, This is a FINAL DEMAND for the immediate removal of inaccurate and outdated personal identifying information from my credit profile. Continued reporting of obsolete names, addresses, and employers is a direct violation of Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The following entries are not legally verifiable, are no longer accurate, and must be deleted immediately : My current verified information is as follows : - Full Legal Name : XXXX XXXX - Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cell : XXXX emaill address : XXXX ) Under FCRA 609 and 611, I am demanding a full reinvestigation of this personal information. If any of the listed items can not be fully verified through original source documentation not third-party databases they must be permanently deleted. 

Failure to act within 7 days will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Continued negligence in removing unverifiable data will expose your agency to liability. 

This is not a request this is a formal demand for compliance. 

Sincerely, XXXX XXXX cell : XXXX emaill address : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: WA

Complaint narrative:
I believe the company, First Advantage, ran a background check on me on XX/XX/2025 but used in formation that is not closely tied to my SSN. If any persons had double checked this information, it would be clear that there are inconsistencies in this background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: MI

Complaint narrative:
on XX/XX/year> I was at XXXX making a purchase with my one and only card and the cashier states that my card was declined. I knew that I had plenty of money in my account. I go to my account and the text messages and at the same time that I am at XXXX a man according to the police department was at a XXXX ATM across townwithdrawing all of my money out of my account. I immediately canceled my card on the app and also called Net spend and explained the legal transactions that I made and the illegal transactions the theft made. The representative was typing it in and reading it back he was incorrectly, inputting the data. NETSPEND even verified that on the recordings of me talking to the representative and letting him know the fraudulent charges. The representative said that I was clear as day and the original representative still input them wrong. At the time when I was reporting the fraudulent charges and speaking to the representative XXXX ; it almost felt and sounded as if he were entering the data in wrong on purpose. 
I made my police report which the representative told me I didnt have to do, but I felt that was incorrect so I went ahead and made a police report. Police did investigation and they verified that it was a man who happened to get a card from Netspend probably because they send out random cards all the time to sign up even though you already have an account with them. The identity thief guessed my pin or found out my pin somehow the detective at the police department said it was XXXX cyber crime. I wrote a 12 page report identifying the fraudulent charges from the non-fraudulent charges. Net spend refused to give any of the money back so now I am on the verge of homelessness and Netspend does not care at all! I knew from the get-go that Net spend was not going to return any of the fraudulent charge money. I heard it in the representatives tone after calling again and again and emailing. They will not return any money so now I am stuck and starving because of Net spend. Net spend should be ashamed of their selves. How can they keep doing this to human beings?

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 2025-08-04 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: OH

Complaint narrative:
These negative accounts have been reporting illegally AND improperly

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 2025-08-04 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:
EQUIFAX has repeatedly violated the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unauthorized inquiry on my credit report, despite multiple complaints and disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers must ensure accuracy, yet errors persist. Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires a reasonable investigation of disputes, which EQUIFAX has failed to conduct. Their continued noncompliance has caused financial harm, and I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
Wesbanco bought my homeloan on XX/XX/XXXX from XXXX XXXX  in XXXX Ohio then claimed they sold it to XXXX on XX/XX/XXXX. From XXXX through XXXX, they told me they either couldnt process the payment yet, or they needed my checking account information which I dont keep everywhere I go. I tried to pay with XXXX and their site was shut down on XX/XX/XXXX. I was in the hospital with my mother then on vacation. The whole time they stated there will be no late fees or penalties because of this acquisition. I finally received an account number with XXXX and paid them.Now, my husband and I both have 30 days late on our credit and late fees from Wesbanco. We have never paid any of our home loans late. I was playing phone tag with XXXX XXXX with West Banko Bank In late XXXX. When I finally caught up with her, theyd sold the loan. We were just minding our own business then Wesbanco buys our loan. Called westbanco on XX/XX/XXXX and we were blamed for everything. A nightmare.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion verified two collection accounts from third-party debt buyers ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) without providing me with any actual debt validation documentation from the original creditors ( XXXX XXXX and XXXX XXXX XXXX ) . I have disputed these accounts multiple times. The collectors failed to provide proof, such as original signed contracts or itemized statements. TransUnion failed to conduct a reasonable reinvestigation under FCRA 611. I request these accounts be removed 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 non-monetary relief
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Re : Request for Debt Validation RE : Method of Verification Request - FCRA Section XXXX To Whom It May Concern, I recently disputed several accounts on my Experian, Transunion and Equifax credit report. I received your response stating that these accounts were " verified as accurate. '' However, under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide me with the method of verification for the following accounts : - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX  Acct # XXXX As allowed under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), I am requesting a description of the procedure used to determine the accuracy and completeness of this information, including : - The name, address, and phone number of the party who verified the account - Copies of any documents or contracts with my signature used to verify the account If you are unable to provide this information, I demand that these accounts be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from 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 non-monetary relief
Consumer complaint received 2025-08-04 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: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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