vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: MN

Complaint narrative:
m filing a complaint against Self / Lender and Self/ Lender regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) in connection with attempts to collect on a debt governed by an arbitration clause. The original contract, which was originated by XXXX XXXX, includes an arbitration clause that requires any disputes related to the debt to be resolved through arbitration, not through traditional debt collection methods. Despite this, XXXX XXXX  acting on behalf of XXXX XXXX  has continued to pursue collection efforts without adhering to the terms of the arbitration agreement.

In addition to failing to respect the arbitration clause, So now lets go to the cfpb has also violated the FDCPA by failing to properly verify the debt in accordance with 15 USC 1692g. The FDCPA mandates that debt collectors provide adequate verification of the debt within five days of their initial communication. XXXX XXXX  has not provided proper verification or the necessary documentation to comply with the debt validation requirements outlined in the FDCPA. 
As such, XXXX XXXX has violated my consumer rights by continuing collection efforts despite the debt being subject to arbitration, and by failing to verify the debt as required under 15 USC 1692g.

These actions mirror violations identified in previous case law. For example, in Parker v. Radius Global Solutions, LLC ( No. 17-12672, 11th Cir. 2018 ), the court ruled that XXXX XXXX violated the FDCPA by continuing collection efforts without providing proper debt verification. 
Similarly, in Gonzalez v. Radius Global Solutions ( No. 16-16625, 9th Cir.

2017 ), the court found that XXXXXXXX XXXX  failed to provide the proper documentation necessary for debt verification under the FDCPA. 
I request that the CFPB investigate this matter and ensure that XXXX XXXX XXXX XXXX cease all collection efforts until they properly verify the debt and adhere to the arbitration clause outlined in the original contract that was originated by XXXX XXXX. I further request that XXXX XXXX  be held accountable for their violations of consumer protection laws under the FDCPA, and that XXXX XXXX be investigated for their failure to ensure compliance with the arbitration provision in their agreement Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number : Date : XX/XX/XXXX 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 XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date of inquiry : 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 2025-05-31 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: NJ

Complaint narrative:
XXXX XXXX High Balance : {$560.00} Date Opened:11/19/2020, XXXX XXXX XXXX High Balance : {$200.00} Date Opened:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$3000.00} Date Opened:XXXX XXXX XXXX XXXXXXXX High Balance : {$420.00} Date OpenedXXXX, XXXX XXXX Account # XXXX High Balance : {$200.00} Date Opened : XX/XX/XXXX, XXXX XXXX  XXXX Account # XXXX High Balance : {$680.00} Date Opened : XX/XX/XXXX, XXXX Account # XXXX High Balance : {$420.00} Date Opened : XX/XX/XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX  Account # XXXX High Balance : {$9600.00} Date Opened : XX/XX/XXXX, DPT EDXXXX Account # XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX, DPT EDXXXX Account # XXXX High Balance : {$4500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX High Balance : {$35000.00} Date Opened : XX/XX/XXXX, XXXX  XXXX Account # XXXXXXXX XXXX XXXX High Balance : {$450.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$1700.00} Date Opened : XX/XX/XXXX, DEPT OF EDXXXXAccount # XXXX High Balance : {$3500.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXXE Account # XXXX High Balance {$2000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXXAccount # XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXXAccount # XXXX High Balance : {$4000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$2200.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$2000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX Account # XXXX High Balance : {$7000.00} Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  Account # XXXX High Balance : {$5500.00} Date Opened : XX/XX/XXXX, XXXX  XXXX Account # XXXX XXXX XXXX  High Balance : {$230.00} Date Opened : XX/XX/XXXX, XXXX  XXXX XXXX High Balance : {$560.00} Date Opened:XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX  High Balance : {$470.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
The inquiries in question are as follows : XXXX XXXXXXXX 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 I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report.

Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report.

- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer.

- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.

Desired Resolution : I respectfully request that the CFPB take immediate action to facilitate the removal of these unauthorized inquiries from my credit report. These inquiries should be removed without delay, as they are adversely impacting my credit score and financial well-being. I appreciate your assistance in resolving this issue promptly.

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 2025-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions Mortgage, when I process a payment online it takes 5 days to debit from my account? The bank says deposited but it has yet to be drafted? Not just one month every month?

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 2025-05-31 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:
Recently i look at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-05-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Hello, my name is XXXX XXXX. Recently, payments to XXXX XXXX have been consistently delayed, and I would like to find a resolution. I sincerely apologize for this situation. Although I am currently working, the job is related to a construction project that has just started, so I am only earning on a temporary basis. As a result, my ability to make payments has been affected. I would like to propose a payment plan where I pay {$50.00} per month until my financial situation improves. Once things are more stable, I plan to return to paying off the original amount as agreed. I left a message around XX/XX/XXXX, but havent received a clear response. Since then, I have attempted to call multiple times, but have not been able to get through, which has made this situation difficult. Thanks. See attachment for full text.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
XX/XX/XXXX {$500.00} getting the account paid in full XX/XX/XXXX {$0.00} the company sent proof i do t have a account Harris & harris {$100.00} k ask to have account removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
XX/XX/XXXX {$500.00} getting the account paid in full XX/XX/XXXX {$0.00} the company sent proof i do t have a account XXXX XXXX XXXX {$100.00} k ask to have account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Park Hill Holdings
State: GA

Complaint narrative:
I am disputing rental-related public record information that appears inaccurately on my consumer file. Specifically, dispossessory ( eviction ) cases that were dismissed in court are still being reported on tenant screening reports and are negatively impacting my rental applications. 

The following cases were dismissed and should not be included in any consumer reports : Case # XXXX Dismissed on XX/XX/XXXX Case # XXXX Dismissed on XX/XX/XXXX These cases were not adjudicated against me and should not be used to assess my tenant risk. I have attached copies of the official court documents confirming the dismissals. 

I am requesting that these records be permanently removed or suppressed from any tenant screening reports in compliance with the Fair Credit Reporting Act ( FCRA ) and Georgia state law. I have contacted the screening agencies ( including SafeRent, XXXX, XXXX, and XXXX  ) but have not received proper resolution. 

Please escalate this matter immediately to ensure these dismissed filings are no longer reported and are removed from all databases that may impact rental eligibility.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing rental-related public record information that appears inaccurately on my consumer file. Specifically, dispossessory ( eviction ) cases that were dismissed in court are still being reported on tenant screening reports and are negatively impacting my rental applications. 

The following cases were dismissed and should not be included in any consumer reports : Case # XXXX Dismissed on XX/XX/XXXX Case # XXXX Dismissed on XX/XX/XXXX These cases were not adjudicated against me and should not be used to assess my tenant risk. I have attached copies of the official court documents confirming the dismissals. 

I am requesting that these records be permanently removed or suppressed from any tenant screening reports in compliance with the Fair Credit Reporting Act ( FCRA ) and Georgia state law. I have contacted the screening agencies ( including XXXX, XXXX, XXXX, and XXXX  ) but have not received proper resolution.

Please escalate this matter immediately to ensure these dismissed filings are no longer reported and are removed from all databases that may impact rental eligibility.

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 2025-05-31 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 resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXX XXXX XXXX  XXXX * * * * Balance : {$5400.00} XXXX XXXX XXXX XXXX XX/XX/year>

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained a copy of my credit report and identified several inaccuracies, including unauthorized accounts and misleading information. These issues have significantly impacted my life and credit health. I am determined to address them promptly.

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 2025-05-31 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: MD

Complaint narrative:
Recently i look at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : Account Name : XXXX XXXXXXXX Account Number 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 2025-05-31 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: TX

Complaint narrative:
b'Unauthorized inquiries that I did not authorize. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation