vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to XXXX U.S.C. XXXX ( a ) ( 7 ) and XXXXe ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under XXXX U.S.C. XXXXn and XXXXo and may expose it to civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, XXXX USC XXXXB. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I formally requested a reinvestigation of a collection account reported that I believe to be inaccurate. However, the furnisher failed to respond with proper documentation verifying the debt, violating FCRA 1681i and 1681s-2. The credit bureau has also failed to remove the item or explain the method of verification.

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 2025-06-05 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: IL

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to XXXX U.S.C. XXXXi ( a ) ( 7 ) and XXXXe ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under XXXX U.S.C. XXXXn and XXXXo and may expose it to civil liability.

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 2025-06-05 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:
Details of the Complaint : * * - My privacy has been invaded. 
- My reputation has been damaged. 
- I have suffered emotional distress and physical symptoms such as high anxiety, racing XXXX, sweaty palms, and pounding head. 
- XXXX economic I have not given any of these persons written permission to access my credit profile. As mandated by law, { Experian } Put correct CRA } has an obligation to review the written permission before furnishing my consumer reports to any person. 
This complaint is regarding this company put unlawfully furnishing unauthorized inquiries on my consumer report. The list of unauthorized inquiries and the corresponding entities that accessed my report without my permission are detailed below. 

I have not * * Legal Violations : * * - This company has violated the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without permissible purpose, specifically : - 15 USC 1681b ( a ) ( 3 ) ( f ) ( i ) - 15 USC 1681 ( q ) - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) This company actions have also contributed to potential identity theft, which constitutes Aggravated Identity Theft under XXXX XXXX. XXXX. This is a felony punishable by up to XXXX XXXX of imprisonment, in addition to civil liability. 

* * Harm Suffered : * * impact due to denied credit and increased credit anxiety. 

* * Demand for XXXX : * * I am requesting the deletion of the inquiries listed below from my consumer report. Additionally, I am seeking settlement for civil liability damages incurred due to these violations. Specifically, I demand {$1000.00} per unauthorized inquiry. Should this company fail to comply within XXXX calendar days from receipt of this complaint, I will pursue actual damages, civil liability, and punitive damages which are greater. 

* * List of Unauthorized Inquiries : * * XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bank - Mortgage XXXX XX/XX/XXXXXXXX XXXX XXXX  Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX OF XXXX Bank Credit Cards XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
Details of the Complaint : * * - My privacy has been invaded. 
- My reputation has been damaged. 
- I have suffered emotional distress and physical symptoms such as high anxiety, racing XXXX, sweaty palms, and pounding head. 
- XXXX economic I have not given any of these persons written permission to access my credit profile. As mandated by law, { Experian } Put correct CRA } has an obligation to review the written permission before furnishing my consumer reports to any person. 
This complaint is regarding this company put unlawfully furnishing unauthorized inquiries on my consumer report. The list of unauthorized inquiries and the corresponding entities that accessed my report without my permission are detailed below. 

I have not * * Legal Violations : * * - This company has violated the Fair Credit Reporting Act ( FCRA ) by obtaining my consumer report without permissible purpose, specifically : - 15 USC 1681b ( a ) ( 3 ) ( f ) ( i ) - 15 USC 1681 ( q ) - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) This company actions have also contributed to potential identity theft, which constitutes Aggravated Identity Theft under XXXX XXXX. XXXX. This is a felony punishable by up to XXXX XXXX of imprisonment, in addition to civil liability. 

* * Harm Suffered : * * impact due to denied credit and increased credit anxiety. 

* * Demand for XXXX : * * I am requesting the deletion of the inquiries listed below from my consumer report. Additionally, I am seeking settlement for civil liability damages incurred due to these violations. Specifically, I demand {$1000.00} per unauthorized inquiry. Should this company fail to comply within XXXX calendar days from receipt of this complaint, I will pursue actual damages, civil liability, and punitive damages which are greater. 

* * List of Unauthorized Inquiries : * * XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX Bank - Mortgage XXXX XX/XX/XXXXXXXX XXXX XXXX  Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX OF XXXX Bank Credit Cards XX/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 2025-06-05 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-06-05 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
I use a service called Flex to pay my rent. I updated my payment information with them on XX/XX/, and manually added {$790.00} to my account expecting it to be used to pay my rent for XXXX. Flex withdrew the funds from my bank account but never sent the payment to my apartment complex ( XXXX XXXX ). 

As a result, I received a legal Notice to Vacate from my landlord, which could lead to eviction. I contacted Flex support multiple times through email, in-app support, and escalation but they failed to take urgent action. I was told the issue would be addressed, but it wasnt resolved in a timely manner, and I never received confirmation of when or how my rent would be paid. This has caused significant emotional distress, financial risk, and potential harm to my rental history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-05 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: TX

Complaint narrative:
I recently did an investigation on my consumer report which caused XXXX XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency XXXX XXXX XXXX XXXX XXXX XXXX make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant XXXX USC XXXXb. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank rep at XXXX, NY office offered a business credit card and I accepted. Citizens bank rep linked the card to my Citizens bank checking account for monthly autopayment. Credit card was locked after first purchase < {$50.00}. I verified purchase and unlocked it via live phone call. Credit card was hard locked minutes later after second purchase < {$50.00}. 
I appeared in person at XXXX, NY Citizens bank branch for resolution. Citizens bank rep was unable to reach appropriate representative for resolution. 
I returned another day. Bank rep contacted a company agent via phone who stated that a supervisor was necessary for resolution, but was unavailable.

I returned a third day. Bank rep contacted a company agent who declined cash payment in full due to concern of fraud and offered to send a replacement card. Phone bank representative then instructed live bank representative to destroy my card.

One month later, the new card never arrived, late fees accumulated.

I returned to the bank a fourth time and ordered a new card again. When it arrived I again offered payment in full of the original amount. The bank phone representative insisted on receiving late fees that accrued from their self imposed refusals and delays. 
I refused to pay the fraudulent fees and have ceased all business with Citizens bank. 
The XXXX branch of Citizens bank subsequently closed. 
These events occurred from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
XXXXThis complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted ASAPXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.'

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 2025-06-05 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Enium Capital Group LLC
State: IL

Complaint narrative:
I signed a contract with XXXX XXXX on XX/XX/XXXX for the installation and completion of solar panels on my home. Unfortunately, the company failed to install the panels for several months and ignored my inquiries. Although the panels were installed in XX/XX/XXXX, XXXX XXXX did not pursue the necessary inspection, leaving the project incomplete. My attempts to contact the company were unsuccessful. XXXX, the bank handling my loan, eventually reached out to me in XX/XX/XXXX regarding my concerns about the project 's status. They disclosed that XXXX XXXX had ceased operations and assured me that they would resolve the issue by hiring another solar contractor to complete the project. 

More months passed, and I still did not have solar installation. XXXX 's contractor notified me that they could not complete or move forward with my project, as the bank had not made payments. Consequently, I have an outstanding loan for a product that was never delivered to me. As of XX/XX/XXXX, I have learned that XXXX has ceased operations. This has resulted in the loan being reported to the credit bureau, despite the contract being breached, as I never received the solar installation. The situation is concerning, as both companies involved, the solar installer and the bank, are no longer in business, and the matter remains unresolved. Additionally, the {$52000.00} loan continues to be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX - XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
I Recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove this account from my report. They are hurting my ability to obtain credit. Please remove all fraudulent accounts to my report. thanks

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