vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a 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 FTC STATES THAT COLLECTION COMPANIES ARE ILLEGAL! .. 


PLEASE REMOVE THESE FILES A.S.A.P I HAVE NOTIFIED THE COURTS AND THEY SAID THEY NEVER RELEASED ANY INFORMATION FOR NO XXXX  AND ITS INACCURATE.. 
XXXX ALSO SAID THE SAME THING.. 

ALSO AT THIS TIME IM ASKING THAT ALL FILES BE REMOVED FROM MY CREDIT REPORTS 15 U.S. CODE 1681A 15 U.S. CODE 1681 B2 FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block 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 Asset Amount : {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} ______________________________________________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ID

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 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 2025-07-10 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: PA

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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 disputing this debt under the Fair Credit Reporting Act. The collection agency has listed themselves as the original creditor and failed to provide required validation. Please investigate and remove this account immediately. 
Dear XXXX XXXX XXXX, I am writing to dispute and request validation of the above-referenced debt that you are reporting to Equifax, which I became aware of on XX/XX/year>. 

Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I request the following : Full validation of the debt including a signed agreement between myself and the original creditor ( XXXX XXXXXXXX XXXX ) Full itemized accounting of the {$420.00} balance Documentation showing you are legally authorized to collect on this account Proof of your license to collect in the State of Florida While this debt is under dispute, you are required to cease collection activity and reporting to any credit bureau per federal law. 

Failure to provide proper validation within 30 days will result in complaints to the CFPB, Florida Attorney General, and possibly civil legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I received a XXXX XXXX balance transfer offer from regions ( via mail ) for an account that is already open. I called regions customer support and the terms are different than what is on the offer. 

The terms on the offer : 0 % XXXX through XX/XX/XXXX or 1.99 % XXXX through XX/XX/XXXX The terms verbally given over the phone : 0 % XXXX through XX/XX/XXXX or 1.99 % XXXX through XX/XX/XXXX The mailed offer has XXXX codes, so I logged into my regions account and attempted to use the promo code for the XXXX promo. I received an error that the code was invalid. 

The offer has checks attached that can be mailed to a lender for payment. If I had just mailed a check without calling regions first, I would be paying 25 % interest for a year ( July 2026-July 2027 ). Appears to be a bait and switch.

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 monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
In XXXX, I approached a XXXX merchant services rep for a Clover XXXX  XXXX. I signed what I was told was a lease-to-own agreement via First Data ( now Fiserv ) . After 36 months and nearly {$5000.00} in payments, I was never offered a buyout option. Instead, I am being charged monthly and told I must return the equipment at my own expense. 

In XX/XX/XXXX, I requested a copy of my lease from Fiserv. As of XX/XX/XXXX, it is still pending. I have not received the contract, yet Im being billed monthly and asked to meet obligations I can not verify. 

I was never informed that Fiserv had acquired First Data or that my lease had changed hands. I received no new terms, no buyout notice, and no opportunity to decline. XXXX has refused to assist. The lack of transparency and misleading sales tactics have harmed my small business. 

I am requesting termination of all charges, a refund of post-term fees, a copy of my lease, and a prepaid return option with confirmation that the lease is concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I am submitting a formal complaint against XXXX Credit Card regarding inaccurate late payments reporting on my credit reports. 

I have disputed this reporting multiple times ( at least twice ) through all bureaus. After investigation, the account was previously corrected to show on time payments, confirming that the negative status was inaccurate. However, the account has now reverted to showing late payments again, negatively impacting my credit score. 

I have requested documentation proving the alleged late payments, but no documentation has ever been provided by the creditor. This is in violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit bureaus be accurate, verifiable, and complete. If a creditor can not provide evidence of the reported derogatory information, it should be removed. 

This repeated re-reporting of inaccurate information appears to be negligent or intentional and has caused harm to my creditworthiness. I am requesting that the CFPB investigate this matter and compel XXXX to : 1. Provide verifiable documentation of the alleged late payments, 2. Permanently correct the inaccurate reporting if no proof can be provided, 3. Cease the repeated re-reporting of false information, 4. Remedy the damage caused to my credit profile and score. 

Thank you for your assistance in resolving this matter.

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 2025-07-10 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: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-07-10 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: TN

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-07-10 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: OH

Complaint narrative:
I am reporting an unauthorized inquiry on my credit report. They ran a hard inquiry without my permission or consent. I do not recognize this. This inquiry is a result of identity theft or an error. 
I am requesting that the CFPB assist me in having the inquiry removed from my credit report and that the company provide documentation of how they received authorization to access my credit file. 


XXXX XXXX XXXX  Address XXXX XXXX XXXX  XXXX XXXX, OH XXXX Date of inquiry XXXX/XXXX/2024

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
Several charges from different states was taken out of my account and I got no notification from my bank

Company response to consumer: Untimely response
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It XXXX Concern, I am writing to file a formal complaint against TransUnion, Equifax and Experian a consumer reporting agency, for failure to conduct a timely and reasonable investigation of disputes I submitted concerning inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a formal disputes to all regarding several inaccurate or unverifiable items on my credit report, including : Late Payments Personal Information Unauthorized Inquiries Despite providing detailed documentation to support my claims, TransUnion has not responded or resolved my disputes within the legally required timeframe. According to the FCRA : FCRA 611 ( 15 U.S.C. 1681i ) Credit reporting agencies must conduct a reasonable reinvestigation of disputed items within 30 days of receiving notice from the consumer. If the CRA fails to investigate or verify the accuracy of the item, it must be deleted from the consumers credit file. 
TransUnion has failed to fulfill this obligation. 

FCRA 623 ( 15 U.S.C. 1681s-2 ) Furnishers of information ( i.e., creditors or debt XXXX ) are required to investigate disputes forwarded by a credit reporting agency and report the results to the agency. If the item is inaccurate or unverifiable, they must correct or delete the information. 
XXXX failure to facilitate or document any communication with the original furnishers also constitutes a potential violation of this provision. 

Requested Actions : Launch a formal investigation into XXXX noncompliance Require them to provide a written explanation or deletion of the items Ensure consumer rights under FCRA are upheld Please see attached supporting documentation, including dispute letters, proof of submission, and copies of my credit report. 

Thank you for your attention to this matter. I look forward to your support in holding TransUnion accountable and ensuring the protection of my credit profile.

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 2025-07-10 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: LA

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