vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NC

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-30 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NV

Complaint narrative:
I am submitting a formal complaint against [ Experian ) for continuing lo report inaccurate and unverifiable information on my credit report, in violation of multiple sections of tho Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ), I identified discrepancies in the following account : Account Name : ( XXXX  XXXX ) Account Number : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : ( Describe inaccuracies such as incorrect balance, wrong status, Inconsistent datos ) I submitted a disputo directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 16811 ) : Right to dispute Inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( e ) ( 1 ) ( A ) : Right to request original documentation for verification ( o.g., signed consumer contract ) FCRA Section 623 ( o ) ( 5 ) : Requirement to delete any Information that can not bo verified with the original creditor FCRA Section 1681e ( b ) : Obligation lo ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within tho 30-day period, and tho disputed information remains on my report. This inaction has negatively afforded my credit profile and financial standing.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
This account stems from a dental procedure I arranged with a vendor called XXXX XXXX which was financed through Cherry Technologies. According to my written contract, I was supposed to receive white porcelain dental veneers. Instead, I was given yellow plastic laminate veneers, which were not what I paid for. 
I then filed a claim with Cherry Technologies, explaining the situation and asking them to investigate the matter particularly by obtaining my XXXX  X-rays, which would clearly show the difference in services rendered. Cherry Technologies refused to investigate and responded by stating I was responsible for the loan repayment. 

This account is now damaging my credit report, even though I did not receive the product I contracted for and have clear evidence of vendor misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX - XXXX ] Account Number : [ ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-05-30 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account XXXX : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number XXXX [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing to dispute several late payments being reported on my XXXX XXXX account ( Account XXXX. XXXX ). According to my credit report, there are late payments listed for XX/XX/year>, XX/XX/year>, and XXXX XXXX these are completely inaccurate. I dont understand why this information is being reported. Its not just frustratingits damaging. Youre reporting inaccurate data, and under the Fair Credit Reporting Act, thats a serious issue. 15 U.S.C. 1681e ( b ) requires you to ensure the maximum possible accuracy of anything you report, and 15 U.S.C. 1681b prohibits reporting information without a valid permissible purpose. I didnt authorize or agree to have inaccurate data on my credit file. Also, under 15 U.S.C. 1681a and 1681s-2, youre considered a " person, '' and information based solely on internal transactionslike whether a payment was late or notshouldnt be on my credit file unless its verified and accurate. These reports are not only wrong, but they also violate my rights under the law. And since I already gave notice that this information might be inaccurate, continuing to report it now could be a violation of 15 U.S.C. 1681s-2. This even ties into 15 U.S.C. 1666, which protects consumers against billing errors. Not only is the late payment data wrong, but the way this dispute has been handled so far shows a failure to correct clear mistakes. Im askingagainthat you fix these errors immediately and update the account to show Paying as Agreed. Please send me written confirmation once the correction is made. This whole situation has caused unnecessary stress and harm to my credit. It needs to be made right.

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 2025-05-30 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: NJ

Complaint narrative:
XXXX XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXX DEPTED/XXXX XXXX XXXX DEPTED/XXXX  - XXXX DEPTED/XXXX  - XXXX DEPTED/XXXX XXXX XXXX DEPTED/XXXX XXXX XXXX DEPTED/XXXX  - XXXX DPEDXXXX  - XXXX DPEDXXXX - XXXX DPEDXXXX  - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXX DPEDXXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Incorrect PersonaXXXX XXXX XXXX  - Incorrect XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX # XXXX - Incorrect Personal XXXX - XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
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. 

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 XXXX 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 2025-05-30 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:
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. 

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 XXXX 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 2025-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have a XXXX  loan with PHH mortgage and two times they took take double mortgage payments out without my consent. Back in XXXX of XXXX I saw they took a double payment out and called them and the advised me to call my bank to stop the payment and everything was fine until XXXX of XXXX when they took another double payment ( with in a couple days ) out and they took the 2nd payment and credit to XXXX of XXXX. They set me back hard financially and left me with no money for my kids and i. the lady on the phone argued with me that they didn't and I'm the one who did and I know I didn't. I have no other money to pay other bills that are due and I had 2 weeks till XXXX of XXXX to pay my mortgage bill. They didnt even try to hear what was trying to say. they decided to email me showing me that they didnt take out double payments but it clearly showes it, they just credit the second payment to XXXX when it wasn't due till the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the mishandling of a stop payment request I made with my bank, which resulted in a check being cashed over a year latercausing overdrafts and serious financial disruption. 

In XX/XX/XXXX, I placed a stop payment on a check exceeding {$2300.00}. Despite this, the check was cashed in XX/XX/XXXX, more than 13 months later. The check, dated XX/XX/XXXX, was processed without any notice or warning. This led to overdraft charges and other related issues on my account. 

Upon discovering this, I immediately contacted the bank. Over the course of several weeks and four separate phone calls, I spent hours on hold, repeated my situation multiple times, and was issued the following reference numbers : XXXX XXXX XXXX XXXX Each time, I was promised a callback within 10 days. I never received one until the final escalation. When someone finally did follow up, I was told that a stop payment only remains in effect for six months, and that I would have needed to manually reissue the stop payment every six months indefinitely as long as the account remained open. 

I expressed how unreasonable this policy is, especially for high-dollar checks that could be fraudulently cashed long after issuance. I asked why the bank allowed a 15-month-old check to be processed without question. No justification was given, and I was told that the bank could not share details of their researchonly the final case number : XXXX. 

After being a loyal customer for over 25 years, I find this treatment unacceptable. I was given no notice of the expiration of the stop payment, no explanation as to why a clearly outdated check was cashed, and no meaningful resolution. Instead, I spent hours of my time navigating the banks internal confusion and repeated miscommunications. 

Given the financial impact, time invested, and failure to provide a fair resolution, I am requesting that this matter be investigated and that I be compensated appropriately. The core issue remains unaddressed : Why was an aged check allowed to go through, and why is the burden entirely on the consumer to continually renew stop payments on inactive checks? 

Thank you for your attention to this matter

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
This is an add on to Complaint XXXX. XXXX XXXX is still harassing me daily or almost daily with phone calls which, when answered, there's no one on the other end. Also get repeated text messages, the last one being today, which I responded to as shown in the attachment,

Company response to consumer: Closed with explanation