vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: LA

Complaint narrative:
Subject : Cease and Desist False Credit Reporting of Non-Existent Debt To Whom It May Concern, This letter serves as a formal demand to cease and desist all collection activities and credit reporting related to an alleged debt that I do not owe. I have reviewed my records thoroughly and can confirm that I have no outstanding obligation to your agency or the original creditor for the account in question. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I demand that you : Immediately cease all collection efforts related to this account.

Delete any and all derogatory information you have reported to the credit bureaus ( XXXX XXXX, and XXXX  ).

Provide written confirmation that the account has been closed and removed from all credit reporting.

If this account remains on my credit report or if I continue to receive any further communication regarding this matter, I will consider taking legal action against your agency for violations of the FDCPA and FCRA, including but not limited to damages for defamation, emotional distress, and any other relief available under the law. 

Please respond in writing within 15 days of receipt of this letter. 

Sincerely, 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i would like everything taken off my reports i have an police report also. A ther is an XXXX on the report that should be off it has been 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

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 explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I noticed a hard inquiry was made on my credit file. I have not applied for any form of credit, nor have I authorized any company, lender, or third party to access my credit report. I also did not give written or verbal permission to use my Social Security XXXX in connection with any credit or lending application. 

This inquiry is both unauthorized and unlawful. It constitutes a violation of multiple federal laws, including : The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b which prohibits access to consumer reports without a permissible purpose and clear consumer authorization ; The Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) which protects consumers nonpublic personal information, including SSNs ; The Identity Theft and Assumption Deterrence Act, 18 U.S. Code 1028 which criminalizes the unauthorized use of another person 's SSN or identifying information with the intent to commit fraud. 

By obtaining and using my SSN to perform a hard inquiry without my written consent, the unknown party has potentially committed a federal crime, including identity theft and unauthorized access to my personal financial information. 

I submitted formal disputes to Experian and XXXX, requesting immediate removal of this inquiry and an investigation. However, the matter remains unresolved, and I have not received a satisfactory explanation or assurance that my identity is secure. 

I am requesting the XXXX urgent assistance in : Investigating the party responsible for accessing my credit file and SSN ; Directing Experian and XXXX  to remove the unauthorized hard inquiry from my report ; Referring this case for potential criminal investigation if evidence of identity misuse is found ; Helping me protect my financial and personal identity from further misuse.

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 2025-05-15 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:
I am submitting this formal complaint regarding EXPERIAN for their failure to ensure the accuracy and integrity of the information reported in my consumer credit file, and their non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The continued inclusion of inaccurate information is impairing my ability to obtain credit, housing, and financial opportunities, and is causing undue financial hardship. 

As you are aware, EXPERIAN is currently subject to legal action by the CFPB for violations of consumer protection laws. This ongoing litigation reflects a systemic failure to uphold legal obligations and highlights the critical need for enforcement in my case. 

Pursuant to 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information unless they determine the dispute is frivolous or irrelevant. If information can not be verified within the required 30-day period ( or 45 days in some cases with supplemental information ), it must be deleted from the consumer 's file.

Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Reporting unverifiable or outdated debt, or failing to reasonably investigate disputes, violates this statutory obligation. 

The inaccurate information appearing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with my rights under the FCRA, I am requesting that the CFPB take immediate action to : Investigate Experian for failing to comply with 15 U.S.C. 1681i ( a ) and 1681e ( b ).

Compel Experian to provide a comprehensive explanation and documentation of the procedures used to verify the disputed information. 

Require deletion of any information that can not be verified or lacks sufficient documentation. 

Impose appropriate penalties or sanctions for their ongoing non-compliance. 

Ensure my credit report is corrected and provide me with a copy of the revised report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this formal complaint regarding EXPERIAN for their failure to ensure the accuracy and integrity of the information reported in my consumer credit file, and their non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The continued inclusion of inaccurate information is impairing my ability to obtain credit, housing, and financial opportunities, and is causing undue financial hardship. 

As you are aware, EXPERIAN is currently subject to legal action by the CFPB for violations of consumer protection laws. This ongoing litigation reflects a systemic failure to uphold legal obligations and highlights the critical need for enforcement in my case. 

Pursuant to 15 U.S.C. 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation of any disputed information unless they determine the dispute is frivolous or irrelevant. If information can not be verified within the required 30-day period ( or 45 days in some cases with supplemental information ), it must be deleted from the consumer 's file.

Additionally, under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Reporting unverifiable or outdated debt, or failing to reasonably investigate disputes, violates this statutory obligation. 

The inaccurate information appearing on my credit report is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with my rights under the FCRA, I am requesting that the CFPB take immediate action to : Investigate Experian for failing to comply with 15 U.S.C. 1681i ( a ) and 1681e ( b ).

Compel Experian to provide a comprehensive explanation and documentation of the procedures used to verify the disputed information. 

Require deletion of any information that can not be verified or lacks sufficient documentation. 

Impose appropriate penalties or sanctions for their ongoing non-compliance. 

Ensure my credit report is corrected and provide me with a copy of the revised 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 2025-05-15 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a 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 records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-05-15 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: Continental Finance Company, LLC
State: NV

Complaint narrative:
Dispute of Charge-Off on Credit Report Request for Investigation I am writing to formally dispute the accuracy of a charge-off entry listed on my credit report. The account in question is : Creditor Name : Celtic/Cont Account Number XXXX XXXX XXXX Reported : XX/XX/year> According to my records, this information is inaccurate and/or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an investigation into this matter and removal or correction of this item from my credit report if it can not be verified as accurate. 
The balance/amount is incorrect. 
The information reported on account is not correct Please complete your investigation within the XXXX period required by the FCRA and XXXX written confirmation of the outcome. 
Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
was made aware of a fraudulent card & its charges via mail by Bank of America on or before XX/XX/year>XXXX 
- I had contacted BOA via telephone call upon receipt of letter above and went through a process of fraud reporting. 
- Months later, I received another statement & called BOA again and I was informed that I can ignore that statement as its an error due to a pre generated statement. Since I did not get a call reference as BOA, when I asked, & was told that all calls are recorded- I further ensured that above process is executed by going to BOA branch in person & confirming that I never received nor in possession of above card, nor do I have the card but BOA knowing this reported me to credit bereaus Also note at all times I have multiple interlinked accounts with Bank of America with over draft protection BOA does not have any email address to contact them Also BOA claims all call are recorded & I have reported that card as fraudulent which the burden of proof should be with BOA as I do not use services for which the card was charged

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony BankXXXX XXXX has failed to conduct a proper investigation. They have violated 15 usc 1681s-2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so Synchrony Bank does not even own the debt anymore. Which is another inaccuracy for putting on 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 explanation
Consumer complaint received 2025-05-15 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:
There are student loans on my account due to identity theft that are only on my Transuion that I have not authorized. These accounts do not belong to me as I did not pay for college in any way. This Is breaking Law US 15 code 1681 permissible purpose. 
These student loans are from Department of EducationXXXX

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 2025-05-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recieved notification that a collections account was assigned to my credit on XX/XX/year> by National Credit Systems originating at XXXX at XXXX XXXX XXXX, a property rental company in XXXX XXXX I have never lived at. This is not the first time I have been a victim of rental related identity theft. I have filed an identitytheft.gov report, a police report, and disputed it with all credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: MoneyLion Inc.
State: KS

Complaint narrative:
I downloaded the XXXX app hoping it would help me manage my finances, but it wasnt what it seemed. There were service fees and membership fees that I wasnt aware of before I joined the service. I also wasnt aware that this app would allow my information to be shared with third parties. After I found out that my information was being shared and used by third parties, I wanted to cancel my membership with the XXXX  app, and I no longer wanted to use their services. I tried finding out how to cancel my account, and I could find any information on the app or the website, so I contacted them through the customer service number that was provided. I spoke to a representative about cancellation, and they told me I needed to email in my information to them, and then they would proceed to cancel my membership. I did not receive any other information, so I emailed my information to the company, and that was it. I still havent received any information on my membership cancellation, and they are still pulling credit reports from the credit bureaus and are still giving out my information to third parties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 non-monetary relief