vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Fraudulent credit card account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXXXXXX on XX/XX/XXXX Fraudulent credit card account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent Auto Loan account appearing opened at XXXX XXXX on XX/XX/XXXX Fraudulent collection account appearing opened at XXXX XXXX XXXX on XX/XX/XXXX Fraudulent auto loan account appearing opened XXXX XXXX I on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and to demand a reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite prior requests, you have failed to provide verifiable documentation supporting the accuracy of the disputed account ( s ), violating your duties under FCRA 611 ( a ) and 623 ( b ). Continued noncompliance also exposes you to liability under FCRA 617.

Legal Liability for FCRA Violations Numerous court decisions have held credit reporting agencies and furnishers financially liable for FCRA violations, including : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cir. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX XXXX XXXX XXXX against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These precedents highlight the legal risks of noncompliance with FCRA obligations. 
Disputed Account : Pursuant to FCRA 611 ( a ), I request a prompt reinvestigation of the following : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
I recently reviewed my credit report and discovered several unauthorized hard inquiries that I did not initiate, authorize, or recognize. These inquiries were made without my consent and are fraudulent in nature. 

The inquiries in question were made on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for credit, loans, or services with any of these companies, nor have I provided any written or verbal permission for these inquiries to be made.

These hard inquiries are negatively affecting my credit profile and were made in violation of 15 U.S.C. 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ), which states that a consumers report may not be accessed without a permissible purpose or explicit authorization.

I request that these inquiries be removed from my credit report 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 explanation
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXX  XXXXEmployer - XXXX XXXX -Incorrect Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXIncorrect Name : - XXXX XXXX XXXX -Incorrect Name : - XXXX XXXX XXXXEmployer - XXXX XXXXPrevious Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
1- XXXX XXXX  {$640.00} I did not open this credit card or give any permission to open this account credit card Its fraudulent.

2. XXXX XXXX XXXX  {$300.00} i did not open this account or give permission to open this account credit card is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I was first contacted by Wakefield & Associates on XX/XX/XXXX ; in that phone call, they told me that I owed {$5400.00} to them for a medical bill from " XXXX XXXX ''. I advised that I would look into it and requested that they mail me documentation of what I owed money for, dates, and a history of when I was billed for this.

I was able to backtrack that an XXXX  for a XX/XX/XXXX operation, had billed my medical insurer and there had been a balance remaining of {$2300.00} for materials and {$73.00} for services, a total of {$2400.00}. However, I'm showing that I paid that amount in XXXXXXXX XXXX XXXXXXXX. I called XXXX XXXX that same day, XX/XX/XXXX, and they advised that they have no records of me owing any money for services. Later that day, I found that XXXX has an online portal where you could provide information on debts ; I provided my name, contact information, and the information I'd received from XXXX, as well as screenshots showing my accounts where it shows that I already paid. 

I received another phone call from XXXX on XX/XX/XXXX, at which point I advised that I've provided all the information they need and requested that they stop calling me for an imaginary debt. I've since been contacted again, on XX/XX/XXXX. 

According to my credit report, I owe XXXX XXXX XXXX on XXXX separate accounts, both opened on XX/XX/XXXX, XXXX for {$2400.00} and the other for {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Sent dispute letter to Transunion XX/XX/year> no response in over 30 days they they havent responded in a timely manner

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 2025-04-15 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: ND

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-15 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: LA

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 2025-04-15 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 XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 reported in XXXX AND XXXX to be removed. 

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 may 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. 

XXXX XXXX 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! 

Delete 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 2025-04-15 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: GA

Complaint narrative:
XXXX XXXX XX/XX/year>2025 AXXXX XXXX XXXX/XXXX/2025 XXXX XXXX XXXX  XX/XX/scrub>/2025 XXXXXXXX XXXX  XXXX/XXXX/2025 XXXXXXXX XXXX XXXX/XXXX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This is the second complaint. I am now re-filing everything properly AGAIN for a second time to document for damages. Everything was filed properly the first time, and XXXX decided that my Identification was insufficient. I am a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Not only is my identification sufficient, but I am registered with the state.

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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: TN

Complaint narrative:
XXXX Closed my credit card in 2016 and haven't had them since someone stole my identity and I am XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
There are hard inquiries on my account that I did not authorize and I would like for them to get deleted because this is inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Schreiber Law LLC
State: MA

Complaint narrative:
What happened? 
I am submitting this formal complaint and dispute against XXXX XXXX XXXX XXXX XXXX ( MCM ) and their legal counsel Schreiber Law Office LLC, regarding an alleged debt originating from XXXX ( account ending in XXXX ). This debt was originally reported with an alleged balance exceeding $ XXXX, which has since been reduced to approximately {$6700.00}, yet still remains inaccurate, disputed, and unlawfully collected upon. 

Over the past several weeks, I have communicated directly with both XXXX  and Schreiber Law Office LLC. During these conversations, I clearly informed both parties that I reside in Massachusetts and receive income through pension and/or XXXX, which is exempt from collection efforts under both federal and state lawincluding 15 U.S.C. 1673 ( a ) under the Consumer Credit Protection Act and Massachusetts General Laws ch. 246, 28A. 

Despite this clear disclosure, XXXX and their attorneys continued aggressive and harassing collection activity, including repeated phone calls, legal notices, and coercive tactics. I explicitly invoked my rights under 15 U.S. Code 1692c ( c ) of the FDCPA to cease and desist all communications, yet they persisted. They pressured me into a payment arrangement under duress, despite knowing I was legally protected and financially vulnerable. This constitutes a serious violation of FDCPA 1692d, 1692e ( 2 ), 1692e ( 10 ), 1692f, and 1692g. 

When I later informed them of my protected status and requested a refund of all payments made, they refused, falsely claiming I had voluntarily entered the agreement. This conduct reflects a deceptive and unfair business practice, especially in light of the fact that no proper debt validation was ever furnished, nor was I provided clear terms under which the debt was collected. 

These actions are not only predatory and unlawful under the FDCPA and Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) ( due to continued inaccurate reporting ), but also likely constitute violations of Massachusetts General Laws ch. 93A, which prohibits unfair and deceptive acts or practices ( UDAP ). 

Similar conduct has been found unlawful in the following federal cases : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) deceptive practices and pressuring consumers into agreements without full knowledge violates FDCPA. 

XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ignoring cease-and-desist notices and continued collection is harassment. 

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) misleading consumers into payment arrangements on time-barred or disputed debts is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/year> - Balance {$1400.00}

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 explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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 reported to be removed/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 may 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. 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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX regarding Loan, a home equity loan that was fully paid off on XX/XX/year>. 

Despite the loan being satisfied in full and XXXX having full documentation of this payoff in their system, my credit reports with all three major credit bureaus still show the full outstanding balance as if the loan remains unpaid. This is inaccurate and a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and timely reporting of account information. 

I have contacted XXXX multiple times, and they now claim that they have reported the account correctly. However, they are asking me to provide proof that the credit bureaus are showing incorrect balanceseven though XXXX is the furnisher of that information. This makes no logical sense and demonstrates a failure to take responsibility for the accuracy of the data they report. 

This incorrect reporting has already caused harm to my credit standing, and is actively affecting my ability to secure rental housing and access financial services. I am requesting that your office investigate this matter and require XXXX to take immediate action to update the account to show a Paid in Full status and a {$0.00} balance with XXXX, XXXX, and TransUnion. 

Thank you for your assistance and time.

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