vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: DreamSpring
State: TX

Complaint narrative:
XXXX XXXX was removed as it was proven to be fraud. Then they sold the account to Time Payment ( aka ) Accion New Mexico Dear CFPB, In response to correspondence received on XX/XX/year> from XXXX XXXX, we understand the request to have the credit inquiry removed from the credit reporting agencies due to identity theft and the DreamSpring account being opened without his authorization. Our investigation determined that XXXX XXXX account with DreamSpring is indeed fraudulent and the account has been flagged. It is important that DreamSpring report all information accurately, for the integrity of the credit reporting system. If XXXX XXXX is still seeing the DreamSpring account reflecting on his credit report, he does have the ability to open a credit dispute with DreamSpring through the credit reporting agencies directly, at which time DreamSpring will review the account to ensure information is removed. Respectfully, DreamSpring

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CO

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Netspend Corporation
State: WI

Complaint narrative:
I opened my account with NetSpend on XX/XX/XXXX through an offer from them : " Earn {$200.00} when you direct deposit {$400.00} in 60 days. '' But I haven't received the {$200.00} bonus even though I have activated my card and received a {$400.00} direct deposit. 

The original website is here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX And they refuse to give me the bonus, even if I meet all the criteria.

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 2025-07-29 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: NV

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX XXXX  XXXX balance {$1000.00} XXXX XXXX XXXXXXXX balance {$920.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 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:
I filed a reinvestigation request with Equifax to dispute this collection account. Despite submitting documentation and requesting a full reinvestigation, Equifax verified the account without properly considering new evidence that renders the information inaccurate and outdated. 

On XX/XX/year>, the collection agency ( XXXX XXXX, collecting on behalf of XXXX XXXX XXXX  ) formally responded to my complaint through a regulatory dispute and stated the following : Our office has instructed the credit reporting agencies to delete the account. We recommend giving the credit reporting agencies at least XXXX ( XXXX ) days to update their records. 
They further acknowledged receipt of my complaint, confirmed they are still investigating the matter, and made it clear that they took action to instruct the credit reporting agencies, including Equifax, to delete the account entirely. 

Despite receiving this formal deletion instruction, Equifax has continued to report the account as Unpaid and Verified, with a derogatory status that negatively impacts my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to file a complaint against Bank of America for charging my edd government benefits card with dispute transactions that I did not make. I never received the cards that were used by whomever that charged and had transactions made that I did not approve I never got {$4000.00} that I was supposed to get the remaining balance on my XXXX benefits card I never received those benefits in the amount of {$4000.00} that I had remaining on my card in the year 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 2025-07-29 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: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay.

I expect a prompt response to rectify these issues.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-29 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:
I

n 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. 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 non-monetary relief
Consumer complaint received 2025-07-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I

n 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. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
I was charged approximately {$2500.00} in loans by Mariner Finance. I believe I was repeatedly rolled over into new loans without proper disclosure or my informed consent. I was not made aware of hidden addon products or fees, and now face unexpected balances. Mariner is under investigation in multiple states for deceptive lending practices, including in Illinois. 

I request : - A full investigation, - A pause on collection activity during that process, - Verification of all charges,- And restitution for unauthorized fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
XXXX XXXX  : I am reporting multiple unauthorized hard inquiries on my credit report. These inquiries were not made by me, and I believe they may be the result of identity theft or potential fraud.

I did not apply for credit with these companies, and I was not notified or given the opportunity to verify or deny the applications.

I previously disputed these inquiries with [ XXXX XXXX XXXX ], and no proper reinvestigation was conducted per FCRA 611 and Metro 2 guidelines.

I am requesting immediate removal of all fraudulent hard inquiries as they are damaging my credit profile and were reported in error or without permissible purpose under FCRA 604.

Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IL

Complaint narrative:
XXXX XXXX  : I am reporting multiple unauthorized hard inquiries on my credit report. These inquiries were not made by me, and I believe they may be the result of identity theft or potential fraud.

I did not apply for credit with these companies, and I was not notified or given the opportunity to verify or deny the applications.

I previously disputed these inquiries with [ XXXX XXXX XXXX ], and no proper reinvestigation was conducted per FCRA 611 and Metro 2 guidelines.

I am requesting immediate removal of all fraudulent hard inquiries as they are damaging my credit profile and were reported in error or without permissible purpose under FCRA 604.

Supporting documentation is attached.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have submitted documents to have inquiries removed from my credit reports ( XXXX XXXX XXXX  and Experian ) these attempts have been ignored. I have heard nothing from any of the credit bureaus. Can you see to this matter? I would like to have all inquiries removed from all three credit bureaus

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been XXXX XXXX XXXX. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectify these issues.

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 2025-07-29 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: MI

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. s 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ss 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Midland Credit Management , XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$420.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full legal validation of the alleged account listed above. I, XXXX XXXX XXXX, d

o not acknowledge this debt as valid. Effective immediately, you are ordered to cease all collection efforts and credit reporting unless and until full validation is provided in accordance with federal and state law. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, you are hereby required to furnish the following : A copy of the original signed contract bearing my wet-ink signature. A binding agreement detailing the alleged terms and my legal obligation to the debt. A complete flow sheet or transaction ledger, showing all charges, credits, interest, and fees since origination. Full proof of assignment, including a documented chain of title from the original creditor to Midland Credit Management. Verification that this debt is within Illinois statute of limitations, with last payment date and applicable statute cited. Evidence of your legal authorization and licensing to collect debt in the State of Illinois, including your license number and regulatory agency. The name, department, and contact information of the person who verified this debt for reporting purposes. A notarized affidavit confirming this account was not verified through automated systems such as e-OSCAR, but rather through a manual and compliant investigation as required under FCRA 611. Important Notice : A statement, invoice, or system-generated summary does NOT meet the definition of proper legal validation. Failure to provide the above documentation within 15 calendar days will result in : Immediate removal of this account from all consumer credit reporting agencies ( XXXX XXXX and XXXX ) Cessation of all collection activity Formal complaints filed with t

he CFPB, FTC, and Illinois Attorney General Civil litigation seeking statutory damages for violations of the FDCPA, FCRA, and UCC This letter serves as final notice. I reserve all rights under UCC 1-308, without prejudice. Sincerely, XXXX XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This letter is a formal follow-up regarding previously disputed items on my credit report. I am demanding immediate action and removal of the following inaccurate and unverifiable accounts that remain on my 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 non-monetary relief
Consumer complaint received 2025-07-29 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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