vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: LA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeatedly failing to correct and remove inaccurate and unverifiable information from my credit report, despite multiple dispute attempts. This is now my XXXX  attempt to resolve the same issues, and Equifax has not fulfilled its legal responsibilities under the Fair Credit Reporting Act ( FCRA ), including violations of XXXX ( a ), XXXX ( b ), XXXX, and XXXX ( a ) ( XXXX ). 

The first issue is an account reported by XXXX XXXX ( Account # XXXX * * * * ), which lists a late payment, even though the balance is {$0.00}. This is illogical and misleading. If the account is XXXX XXXX XXXX XXXX, there should be no outstanding payment obligation or delinquency. I have previously disputed this, but Equifax has not provided any proof or documentation showing how and when this payment was late. According to FCRA XXXX ( b ), Equifax is required to maintain maximum possible accuracy in its reporting. By continuing to report a late payment without verification, Equifax is violating that duty. Furthermore, under XXXX, the credit bureau is obligated to conduct a reinvestigation when a consumer disputes an account. XXXX failure to respond with proper documentation shows a lack of reasonable procedures and XXXX be considered willful noncompliance. 

Additionally, Equifax is reporting a hard inquiry from XXXX dated XX/XX/year> that I did not authorize. I did not apply for credit with XXXX at any time, and I have no relationship with this creditor. Under FCRA XXXX ( a ) ( XXXX ), credit reporting agencies are only permitted to share consumer credit reports with XXXX parties when there is a permissible purpose and the consumer has authorized the inquiry. I have disputed this inquiry, and Equifax has failed to provide any proof that I consented to this credit pull. Unauthorized inquiries can significantly harm a consumers credit score and constitute a violation of my rights under the law. XXXX refusal to remove this unverifiable inquiry is unacceptable and continues to damage my credit profile. 

XXXX repeated inaction and failure to correct these known inaccuracies after multiple dispute notices demonstrates a disregard for consumer rights and a pattern of negligence. I am requesting that the CFPB investigate this matter and compel Equifax to delete the late payment from XXXX XXXX and the unauthorized inquiry from XXXX. I also request that Equifax be held accountable for failing to meet the standards required by federal law and that appropriate regulatory enforcement be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
Violated the following - Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681b, 1681g, 1681s-2 ( b ) - Uniform Commercial Code UCC 1-308 , UCC 1-103 - Identity Theft Enforcement 18 U.S.C. 1028A I have submitted multiple lawful disputes to credit reporting agencies, including Experian, TransUnion, and Equifax, regarding inaccurate, unverifiable, or fraudulently furnished accounts. These disputes were either ignored, improperly handled, or met with unlawful tactics such as : - Account suspension without cause ( TransUnion ) - Improper reclassification of my dispute as an identity theft issue ( Experian ) - Failure to delete unverifiable information. Experian attempted to reclassify consumer lawful dispute as identity theft to shift the burden, in violation of 15 U.S.C. 1681i and 1681s-2 ( b ).

These acts constitute willful noncompliance and a violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
They didnt send me the verbally agreed upon sign up bonus and prior to transferring my financial institution from XXXX to Current I made it extremely clear to them the main reason I was transferring institutions was because of the XXXX {$50.00} signup bonus they offered but they actually raised mine to {$75.00} with the app and because I transferred my direct deposit in the middle of the month with SSI & SSDI I had also made sure they were well aware that I had no control over the fact if my direct deposit would be made available during the month I started working with them in XXXX because it was the middle of the month I initiated my direct deposit or the following month at the latest. They assured me that it wouldnt be an issue and they would honour a 5 day grace period due to the timing and the fact that the main reason for my transferring institutions was strictly due to the sign up bonus which was being offered to me and confirmed by a supervisor for the financial institution at Current. After I had called into there customer support several different occasions I also wrote them an email addressing the issue I was experiencing and the fact that the were not being transparent about what we had previously discussed and agreed upon the email was addressed to customer service and a copy of the email I wrote them is below. 

Dear [ Customer Service/ Current Supervisor/ Support Team ], I am writing to formally follow up regarding the {$75.00} sign-up bonus that was associated with opening my account. 

Prior to enrolling, I spoke with a customer service representative and later a supervisor, who both acknowledged thatdue to the timing of my enrollment and the nature of SSI/SSDI payment schedulesthere was a high likelihood that my first direct deposit would arrive just after the 35-day qualification window. However, I was explicitly assured that this would not affect my eligibility for the promotional bonus. 

I was advised that a notation would be made on my account to reflect this situation, and that due to the deposit amount exceeding {$1300.00} and the delay being entirely outside of my control, the {$75.00} bonus would still be honored. 

This assurance played a significant role in my decision to transition from my previous financial institution, with whom I had a strong and longstanding relationship. I made the switch based on the understanding that the bonus would be fulfilled under the agreed-upon terms. 

At this time, I would appreciate confirmation that this verbal commitment will be honored, in line with the conversation I had at the time of account opening. 

Thank you for your time and assistance. I look forward to your response and resolution of this matter. 

Sincerely, XXXX XXXX XXXX Ph : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
TransUnion, Experian, and Equifax, my account was meant to be locked, and I suspect my abuser attempted to open accounts in my name. I have just repaired my entire credit, and your attorneys assisted me in getting everything resolved. Please eliminate all hard inquiries right away ; my abuser possesses all my information and has control over all my accounts, regardless of how many times I change my emails and passwords. I have been a victim of XXXX XXXX  for seven years, and this individual has misused my information numerous times. Your attorneys are aware of this and advised me to notify you immediately if I notice anything that should not be on my account, so I am doing so. Please remove all inquires

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXX  XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX BANK XXXX, which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ).

The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/XXXX -SENT Demand for Original, Executed Contract Under FCRA 609 ( a ) ( 1 ) ( A ) XX/XX/XXXX - SENT Formal Dispute of Inaccurate Credit Reporting under the FCRA Request for Immediate Investigation and Correction Letter XX/XX/XXXX, XXXXSENT Non Compliance Letter XX/XX/XXXX, XXXXSENT Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Regarding Identity Theft XX/XX/XXXX, XXXXSENT Demand for Immediate Action : Violations of the Fair Credit Reporting Act ( FCRA ) Related to Identity Theft XX/XX/XXXX, XXXXSENT Fraud Dispute Letter XX/XX/XXXX, XXXXSENT NOTICE OF NONCOMPLAINCE & INTENT TO FILE SUIT/COMPLAINT XX/XX/XXXX SENT First NOTICE OF DISPUTE These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. 
Equifax 's continued reporting of the accounts after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate and Incomplete Reporting XXXX XXXX Services To Whom It May Concern : This complaint concerns a seriously mishandled tradeline from XXXX XXXX XXXX, inaccurately reported under my Experian consumer report. 
Despite formal disputes and multiple certified correspondences directly to both XXXX and Experian, the account remains verified with no meaningful reinvestigation. Supporting documentationincluding my insurance coverage, accident documentation, and communications with Toyotaconfirms that my vehicle was declared a total loss and was subject to XXXX and/or insurance coverage. XXXX has failed to show any record that the insurance claim or XXXX adjustment was properly applied to the charged-off balance. 
Worse, XXXX has submitted conflicting and contradictory responses to my previous direct communications and regulatory complaints, undermining the credibility of their verification. Furthermore, third-party debt collectors involved in this matter, including XXXX XXXX and XXXX, have produced inaccurate and irrelevant responsessuch as referencing an entirely unrelated XXXX XXXX accountdemonstrating a reckless disregard for compliance under the FCRA and FDCPA. The account remains inaccurately reported as a valid charged-off balance, when there is compelling evidence the debt is inflated, partially satisfied, or invalid altogether. At this point, it is clear that Experian is continuing to report this tradeline in violation of FCRA 611 ( a ), which requires reasonable procedures to ensure accuracy and completeness of the information being reported. Given the new and previously unconsidered evidence provided to XXXX and the bureaus, this complaint is not a duplicate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am getting mails from Transworld Systems Inc. ( TSI ) to pay XXXXXXXX XXXX  for XXXX. They are addressing me by a wrong last name for a service I declined to receive by XXXX ( a new phone that I didnt end up buying ). I already contacted XXXX costumer services and they confirmed that I didnt receive that phone. 
TSI are sending mails asking me to provide a photocopy of my ID. I believe I am being scammed by these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NV

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX  XXXX Balance : {$12000.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am a victim of identity theft. Several accounts and hard inquiries appear on my credit report that I did not open or authorize. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never done business with XXXX XXXX and do not recognize that account at all. 

Additionally, I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and was not able to apply for or manage credit during that time. Some of these accounts and inquiries were created during my XXXX  and could not have been authorized by me. 

I am requesting the permanent removal of these items under the Fair Credit Reporting Act ( FCRA ), Section 6

05B, which grants victims of identity theft the right to have fraudulent information blocked from their credit file. I am also requesting that any unverifiable collections or outdated items beyond the legal reporting limit be deleted in compliance with FCRA Section 605 ( a ). I have attached my FTC Identity Theft Report and supporting documentation
as evidence. Please investigate and remove all fraudulent and inaccurate items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
I am submitting this formal complaint against TransUnion for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing TransUnion with a complete FTC Identity Theft Report and supporting documentation, they have failed to XXXX or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX ..., which XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but remains on my report ; XXXX XXXX XXXX.... ; and XXXX XXXX.... all of which are identity theft-related and should have been XXXX under XXXX of the FCRA. XXXX refusal to act constitutes a violation of XXXX ( a ) ( XXXX ), for failing to conduct a reasonable reinvestigation, and XXXX ( a ) ( XXXX ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
TRANSUNION AFTER MULTIPLE REPORTS STILL SENDS OUT INCORRECT XXXX XXXX XXXX. THEY HAVE MULTIPLE REDUNDANT PROOF ALL DEROGATORY INFORMATION SHOULD BE REMOVED FROM MY REPORT. THEY NOT ONLY DO NOT REMOVE THE DEROGATORY ID THEFT ISSUES, THEY SEND OUT AN INCORRECT SCORE XXXX POINTS LOWER THAN ALL OTHER CREDIT AGENCIES SINGLE HANDEDLY PREVENTING ME FROM GETTING CREDIT. THEY ARE XXXX XXXX AWARE OF WHAT THEY ARE DOING. IT'S ILLEGAL. THEY ARE CRIMINALS WHO NEED TO BE PROSECUTED. EVERY CREDIT DENIAL INCREASES MY LAWSUIT. ITS NOW OVER XXXX, XXXX XXXX XXXX  OF DOLLARS. CFPB ENOUGH IS ENOUGH FORCE THESE CRIMINALS TO STOP ILLEGALLY DISHING OUT WEAK AND PATHETIC PASSIVE AGRESSIVE RETRIBUTION TOWARDS ME. ARE YOU COMPLETELY INEFFECTIVE CFPB?

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