vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: IL

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
XXXX is reporting two speeding violations on my XXXX  report with an incident date of XX/XX/year> and resolution date of XX/XX/year>, claiming I was speeding in a XXXX mph zone. These entries are completely false. 

I obtained my official driving record from the XXXX XXXX XXXX XXXX which shows no such speeding violations. The only items listed are two expired registration infractions unrelated to what XXXX is reporting. This confirms that XXXX is publishing inaccurate data from an unknown or unverified source. 

This false information could negatively impact my insurance premiums or coverage. I have submitted a dispute to XXXX demanding reinvestigation and deletion of the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: KS

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

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 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 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 2025-06-11 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: NC

Complaint narrative:
XXXX failed to properly close and report my federal student loan, which I paid in full in XX/XX/XXXX. Due to their internal error, a small tax/interest balance was left unresolved something I was never notified about and had no portal access to address. 

When I finally regained access, I paid the remaining {$110.00} on XX/XX/XXXX, which brought my account to a negative balance of {$0.00} meaning the loan was not just paid off, but overpaid. 

Despite this, XXXX continues to report a {$1.00} unpaid balance to the credit bureaus, falsely implying that I am delinquent. As a result, my XXXX XXXX has dropped over XXXX points, directly harming my ability to move forward with an approved mortgage loan. 

I submitted a formal complaint through the XXXX Department of Education XXXX XXXX XXXX XXXX, Case # XXXX ), contacted XXXX directly, and provided full documentation. No correction has been made. 

XXXX is already under federal scrutiny for widespread credit reporting failures and is involved in ongoing lawsuits for similar issues. This is not a simple mistake its part of a larger pattern of negligence that caused me real, measurable financial harm. I am demanding full accountability and corrective action.

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 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within XXXX business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : XXXX XXXX : Collections account opened on XX/XX/year>, associated with PROGRESSIVE ( insurance company account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my XXXX credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current Equifax XXXX credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the XXXX Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this formal complaint as a verified victim of identity theft. There is a fraudulent eviction listed in public records and disseminated by consumer reporting agencies and third-party tenant screening databases without my authorization or connection. 

The eviction is tied to the following : Case Number : XXXX Filed : XX/XX/XXXX Court : Justice of the Peace Precinct 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 I never lived at that address, had no rental relationship with the plaintiff, and had no involvement in this case. This fraudulent public record has been used to harm me by companies including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and NCTUE, all of whom have either stored, shared, or reported this data. 

I filed a police report in XX/XX/XXXX and an FTC Identity Theft Report confirming I am a victim of identity theft. I also submitted these materials directly to XXXX and others. However, the record remains. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B ( 15 U.S.C. 1681c-2 ) which requires blocking of identity theft data within 4 business days Section 611 ( 15 U.S.C. 1681i ) which mandates reinvestigation of disputed information Section 1681s-2 ( a ) which prohibits the reporting of information known to be inaccurate Further, courts do not verify consumer identity, so any third party like XXXX or XXXX can not claim the court validated my connection. Disseminating this unverified data is unlawful. Cases like 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  affirm the legal consequences of negligent reporting and failure to block identity theft-related data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
On XX/XX/XXXX American Express charged me twice for the amount of {$4200.00} ( {$8500.00} ). 

Since XXXX I have the autopay set up to pay my monthly balance to American Express. 
American Express claims that I submitted the payment two times.

Im only asking to get back on my bank account {$4200.00} especially because on XX/XX/XXXX I will have to pay federal tax as well as XXXX tax. 
American Express wanted to send me a check to my XXXX address but Im abroad right now and can not get mail so I asked for a wire transfer or for a check via email! 
So last week AmEx under my request made a wire transfer to my bank account which is the sane bank where money were taken. I was told that within 24, 48 or Max 72 hours I would get my money back. Yesterday, more than a week later, I called again and was told that the transaction failed. They give me no explanation for that. The agent made a new wire transfer and added it can take up to 12 business day this is the time frame I asked a claim number and I was given this refund Ref ID XXXX XXXX disgusted by the greediness of this behavior intended to get profit out of money. 
I pay {$350.00} for American Express member and I wont renew it!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-11 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: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security XXXX : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : CAINE WEINER : Collections account opened on XX/XX/year>, associated with PROGRESSIVE ( insurance company account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my XXXX credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current Equifax XXXX credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the XXXX Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX Social Security Number : ( Private ) Consumer Date of Birth : ( Private ) This complaint is filed with the Consumer Financial Protection Bureau ( CFPB ) to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block all information on my consumer credit report that is the result of identity theft and fraud. I expect this action to be completed within four business days of your receipt of this complaint. 

The following fraudulent, inaccurate, and false information has appeared on my credit report : PORTFOLIO RECOVERY ASSOCIATES : Collections account opened on XX/XX/year>, associated with XXXX XXXX XXXX  ( credit card loan account ). 

These fraudulent accounts have also led to several unauthorized hard inquiries and collections impacting my XXXX credit report. I have attached a comprehensive list of these hard inquiries, along with a copy of my current XXXX  XXXX credit report clearly highlighting these fraudulent entries. 

I unequivocally state that I do not recognize, nor did I authorize, any of these accounts, collections, or hard inquiries. They are all the direct result of identity theft and fraud. 

For your immediate reference and as irrefutable proof, I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ), issued by the U.S. Federal Trade Commission, which confirms that these items are indeed the result of identity theft and fraud. 

I demand the immediate removal of all these fraudulent items from my credit report, as is my right under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
XXXX, my federal student loan servicer, failed to report accurate information to the credit bureaus. I paid off my loan in full in XX/XX/XXXX. However, due to a system or processing error on their part, a small balance remained that I was unaware of. 

I regained portal access and submitted a final payment of {$110.00} on XX/XX/XXXX, which brought my account to a {$0.00} balance, confirming the loan was overpaid. 

Despite this, XXXX reported a {$1.00} unpaid balance, which was picked up by the credit bureau and shown as past due or delinquent. As a result, my credit score dropped by over XXXX points, severely impacting my financial standing and interfering with a mortgage approval. 

I have filed a formal complaint with the U.S. Department of Education ( XXXX Case # XXXX ) and the CFPB against XXXX. I am now requesting that the inaccurate information reported to your credit bureau be removed immediately and updated to reflect that the loan is paid in full and in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: CA

Complaint narrative:
Dear Sir or Madam, I am writing to formally file a complaint against my former XXXX XXXX XXXX at XXXX XXXX, XXXX XXXX, California and its billing service XXXX XXXX, for attempting to charge my bank account and collect payment after I properly and timely requested to cancel my gym membership. Prior to the start of this month, I personally visited the gym and spoke with the manager to cancel my membership. The manager assured me that my membership would be canceled and stated that I would receive a confirmation email. However, I never received any such confirmation despite following up. To prevent further unauthorized charges, I instructed my bank to stop the automatic monthly deduction the gym had been making. Today, I received an email from XXXX XXXX stating that my monthly gym payment failed and that this constitutes an attempt to collect a debt. I find this unacceptable and misleading, as I had already canceled my membership well in advance and was assured of its termination. This conduct appears to be deceptive and potentially in violation of the Federal Trade Commission Act and the Fair Debt Collection Practices Act. I am requesting the FTC investigate this matter and take appropriate action to ensure that consumers are not subjected to unauthorized charges or deceptive collection practices. I am attaching communication emails between me and XXXX XXXX XXXX XXXXXXXX XXXX manager which shows that I already requested to freeze my membership first, then to cancel after not getting any response from the manager, and these request was way before the beginning of the new month. Thank you for your time and attention to this matter. 

P.S. In a prior communication between me and XXXX XXXX, they claim that I should have contacted them directly and requested the freeze or cancelation through them, which is totally XXXX because according to the Gym Agreement any requests regarding the membership should be requested through my Gym directly not through the payment processor. So, their excuse that they didn't receive the freeze or cancelation request from me doesn't stand. It's not my fault that the Gym Manager is not doing his job to fulfill the requests of his gym members.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

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 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