vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-24 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:
I am writing to report identity theft and request the removal of unauthorized accounts that have been fraudulently opened in my name. I have never applied for credit with any of the financial institutions listed below. My identity was compromised, and I am a victim of identity theft. These accounts do not belong to me, and I did not authorize their opening. 

The following accounts are fraudulent and were opened without my knowledge or consent : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts are now impacting my credit report and financial stability. I am asking for the CFPBs assistance in investigating this matter and facilitating the removal of these accounts from my credit profile. 

I have never had a relationship with these institutions, nor have I applied for or authorized any credit accounts through them. 

Please let me know if you require any additional documentation to process this complaint. I am committed to fully cooperating with your investigation and working to restore the accuracy of my credit report. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report regarding an auto loan with Ally Financial. The vehicle associated with this loan was deemed a total loss in XXXX, and both my insurance provider and GAP insurance fully satisfied the remaining balance owed. Despite this, Ally Financial continues to report a balance of approximately {$1800.00}, which is incorrect and unjustly damaging my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute inaccurate or incomplete information on my credit report. Further, Section 623 of the FCRA requires furnishers of credit information to report only accurate and verifiable data. Ally Financials report of a remaining balance violates this provision, as the account was fully paid through insurance and GAP coverage following the total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency.

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation.

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX, Account # : XXXX XXXX XXXX XXXX XXXX  This account appears as a collection account. I dispute its accuracy due to [ e.g., incorrect balance, paid status not updated, or unverifiable ownership ]. 
FCRA Violations : Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to ensure maximum accuracy if the balance, status, or ownership is incorrect. 
Section 623 ( a ) ( 1 ) ( 15 U.S.C. 1681s-2 ( a ) ) : The furnisher may have reported inaccurate or outdated information. 
Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : If unverifiable, this account must be removed. 

XXXX XXXX XXXX ( XXXX XXXX  ) Issue : This collection account may be inaccurately reported [ e.g., incorrect date of delinquency, re-aged beyond 7 years, or unverifiable ]. I have no record of this debt being valid or properly documented. 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting if dates or amounts are incorrect. 
Section 605 ( a ) ( 5 ) : If the debt is beyond the 7-year reporting period, it must be removed. 
Section 611 ( a ) ( 1 ) : Failure to verify if previously disputed and not corrected XXXX XXXX XXXX ( Account # : XXXX ) XXXX XXXX Issue : This collection account may have incorrect derogatory marks, balance, or dates. I dispute its accuracy and verifiability, as it may be part of a prior unresolved dispute ( e.g., " XXXX '' ). 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting if derogatory status or balance is incorrect.

Section 611 ( a ) ( 1 ) : Failure to conduct a reasonable investigation if previously disputed.

Section 623 ( a ) ( 1 ) : The furnisher may have provided unverifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: AZ

Complaint narrative:
Please take immediate action to block and delete these unauthorized accounts from my credit report. I have no knowledge of them and never approved their creation. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are all relevant documents. There are discrepancies in how the account details appear across different bureaus, which further supports this request.

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 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
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 2025-04-24 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: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
I entered into what I believed was a financing agreement through XXXX XXXX XXXX on XX/XX/year>. I was told I was financing approximately {$6000.00} worth of furniture. I later discovered that this was actually a lease-to-own contract managed by Acima, not a XXXX financing agreement. The lease terms and total cost of ownership were never fully explained to me at the point of sale.

Since then, I have made XXXX payments totaling over {$5000.00}. When I recently requested to pay off the lease early, I was told I still owed {$4900.00} plus tax bringing my total cost to over {$10000.00}. The full lease cost exceeds {$13000.00}. This was never disclosed or clearly presented during the purchase. 

I contacted Acimas customer service and collections departments multiple times to request a fair settlement or early payoff closer to the original cash value of the furniture. I was repeatedly denied any adjustment and was told my only options were to continue payments or return the furniture and lose everything I already paid.

I believe I was misled at the point of sale by XXXX XXXX, and that Acima 's leasing structure is predatory and designed to be unclear. I am seeking a fair early payoff that reflects what I believed I was agreeing to not over {$13000.00} for {$6000.00} in furniture.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: NY

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TN

Complaint narrative:
I am writing to dispute several items currently reported on my Equifax credit report that I believe are inaccurate or unverifiable. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request a reinvestigation and removal of the following accounts and inquiries unless verified with proper documentation. 
Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$38000.00} XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$79.00} Disputed Inquiries : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-24 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: NY

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 XXXX  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 2025-04-24 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 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: TX

Complaint narrative:
XXXXI am formally disputing the following negative items on my credit report: Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelmingXXXXUnder the Fair Credit Reporting Act (FCRA), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under 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 2025-04-24 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: WI

Complaint narrative:
I received communication from a debt collection agency attempting to collect on an alleged debt. I formally disputed the debt in writing and submitted a request for full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). My letter clearly asked for documentation including : - The name of the original creditor, - Proof of the alleged debt ( e.g., contract or agreement bearing my signature ), - A breakdown of the amount allegedly owed, - Evidence of the collectors legal authority to collect the debt in my state. Despite my timely dispute and request for validation, the debt collector failed to respond with the required documentation. Instead, they continued to pursue collection efforts and reported the unverifiable debt to the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). They are legally obligated to investigate and verify the accuracy of the information before reporting or continuing to report it. As of today, the debt remains on my credit report without validation, and I am experiencing harm to my credit profile and financial standing due to this unlawful reporting. This behavior reflects noncompliance with federal consumer protection laws, and I am requesting that the CFPB investigate this matter and hold the debt collector accountable for : - Failing to validate the debt under the FDCPA, - Continuing collection efforts after the debt was disputed, - Furnishing inaccurate or unverifiable information to credit bureaus in violation of the FCRA.

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 2025-04-24 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: WI

Complaint narrative:
I received communication from a debt collection agency attempting to collect on an alleged debt. I formally disputed the debt in writing and submitted a request for full validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). My letter clearly asked for documentation including : - The name of the original creditor, - Proof of the alleged debt ( e.g., contract or agreement bearing my signature ), - A breakdown of the amount allegedly owed, - Evidence of the collectors legal authority to collect the debt in my state. Despite my timely dispute and request for validation, the debt collector failed to respond with the required documentation. Instead, they continued to pursue collection efforts and reported the unverifiable debt to the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). They are legally obligated to investigate and verify the accuracy of the information before reporting or continuing to report it. As of today, the debt remains on my credit report without validation, and I am experiencing harm to my credit profile and financial standing due to this unlawful reporting. This behavior reflects noncompliance with federal consumer protection laws, and I am requesting that the CFPB investigate this matter and hold the debt collector accountable for : - Failing to validate the debt under the FDCPA, - Continuing collection efforts after the debt was disputed, - Furnishing inaccurate or unverifiable information to credit bureaus in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: AZ

Complaint narrative:
I am filing a formal complaint against Checkr , Inc. for providing inaccurate and unverifiable information in a background check report requested by XXXX XXXX XXXX XXXX, which has resulted in the suspension of my ability to earn income through the XXXX XXXX. 

On XX/XX/year>, I was notified by XXXX that my background reportconducted by Checkrcontained information that allegedly could not be verified. Checkr provided no specific details, no actionable resolution path, and no timeline for re-investigation. They have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ), which guarantees individuals the right to dispute inaccurate or incomplete information. 

I have attempted to contact Checkr multiple times to dispute the report and request clarification or documentation regarding the unverifiable information. However, Checkr has provided no meaningful customer support, and their communication has been vague and circular, without offering any concrete steps toward resolution. This lack of transparency and failure to reasonably investigate the matter is a direct violation of my rights under the FCRA.

This inaccurate reporting has had a serious financial impact, as I rely on XXXX as a source of income. I am now unable to work, and Checkrs negligence is preventing a timely resolution. 

I am requesting the Consumer Financial Protection Bureau to : Investigate Checkr for violations of the FCRA Ensure Checkr provides a clear and prompt resolution process Enforce my right to dispute and correct inaccurate or unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have a co worker that I was speaking with that banks with truist bank, I've been having issues with my current bank so I was looking to switch banks. She told me that there was an advertisement of a promo of XXXX if an account is open within a certain amount of time and a certain amount of direct deposit is deposited by a certain date. She told me to go in and talk to someone, so I did. I went in and told them of the promo she continued to get my information and opened and account for me. Later that day or the next I was contacted and told that only way to get the promo of XXXX is to open the account online, the lady advised me to open and account online and close the one that was opened in the branch, we'll I did that and now I am being told that I do not qualify for the promo because I was an existing customer but I was not. I don't feel that I should not get the promo because I was given the wrong Information from a worker that works for the company. I have called customer service 2 times and have been told nothing they can do and they're sorry I was misinformed.

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