vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  Balance {$1400.00}

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 2025-06-02 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-06-03 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information currently being reported on my credit file. This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to report only accurate and verifiable information.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against the three major credit bureaus Equifax, Experian, and TransUnion for their continued reporting of a collection account by XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector that is not licensed or authorized to collect debts in the State of Florida, where I reside. 

I have provided proof ( see attached screenshots ) from the XXXX XXXX XXXX XXXX clearly showing that XXXX XXXX XXXX XXXX holds no collection license in Florida, making their collection activity unlawful under Florida law. 

Additionally, this company violated 15 U.S.C. 1692c ( c ) of the FDCPA by ignoring my written request to cease communication and explicitly stating in their response ( see attached image ) that they will continue to send mail to my address, despite my clear cease-and-desist notice. This is a willful violation of my federal consumer protection rights.

The credit bureaus are further in violation of : 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) by failing to properly reinvestigate the dispute despite the evidence provided.

15 U.S.C. 1681b by allowing the continued furnishing of consumer data to a company not legally permitted to operate in my state.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits the reporting of information that the furnisher knows or has reasonable cause to believe is inaccurate or unauthorized.

Despite my previous dispute submission to the CFPB, no corrective action was taken, and this debt which is legally unenforceable in Florida remains on my credit reports, causing ongoing harm to my creditworthiness and financial opportunities.

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 2025-06-02 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 am filing this complaint against the three major credit bureaus Equifax, Experian, and TransUnion for their continued reporting of a collection account by XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector that is not licensed or authorized to collect debts in the State of Florida, where I reside. 

I have provided proof ( see attached screenshots ) from the XXXX XXXX XXXX XXXX clearly showing that XXXX XXXX XXXX XXXX holds no collection license in Florida, making their collection activity unlawful under Florida law. 

Additionally, this company violated 15 U.S.C. 1692c ( c ) of the FDCPA by ignoring my written request to cease communication and explicitly stating in their response ( see attached image ) that they will continue to send mail to my address, despite my clear cease-and-desist notice. This is a willful violation of my federal consumer protection rights.

The credit bureaus are further in violation of : 15 U.S.C. 1681e ( b ) by failing to ensure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) by failing to properly reinvestigate the dispute despite the evidence provided.

15 U.S.C. 1681b by allowing the continued furnishing of consumer data to a company not legally permitted to operate in my state.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits the reporting of information that the furnisher knows or has reasonable cause to believe is inaccurate or unauthorized.

Despite my previous dispute submission to the CFPB, no corrective action was taken, and this debt which is legally unenforceable in Florida remains on my credit reports, causing ongoing harm to my creditworthiness and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 filing this complaint against Experian and Equifax for unlawfully reinserting a previously deleted account without providing proper notice, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is : XXXX XXXXXXXX XXXX Account Number ending in XXXXXXXX XXXX XXXX 

This account was previously deleted from my credit file. However, upon refreshing my credit report recently, I noticed that both Experian and Equifax have reinserted the account and are now listing it as a new account, which is completely false and misleading. This inaccurate reporting is negatively affecting my credit score by implying that I have a new delinquent tradeline, when in fact, this is a previously deleted and outdated item. 

XXXX has properly maintained the deletion of this account and has not reinserted it.

Under FCRA Section 611 ( a ) ( 5 ) ( B ), a credit bureau can not reinsert a previously deleted item unless it has been certified as accurate by the furnisher and the consumer is notified within five business days of the reinsertion.

I have received no such notice from either Experian or Equifax regarding the reinsertion, making this action both unlawful and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
What Happened : I am reporting multiple fraudulent accounts that were opened under my identity without my knowledge or authorization. I did not apply for, open, or use these accounts. I discovered them while reviewing my credit 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XX/XX/year> I received a call that went to voicemail from the following number XXXX. The caller stated there was a matter that I needed to address they stated that they would sue me in my jurisdiction and attach assets. The problem is the caller never identifies what company they are working for or states that this is an attempt to collect a debt. This bothers me as I did a reverse lookup of the number and found that it has been used in scams. I researched the the number and it is also associated with Midland XXXX XXXX but the caller never identifies or states that it's an attempt to collect a debt. I find this disturbing and am not sure what to do as internet advises against calling the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MD

Complaint narrative:
I filed a formal dispute with LexisNexis Risk Solutions on XX/XX/year>, regarding multiple inaccurate and damaging entries in my consumer report, including : Insurance claims for vehicles Ive never driven or owned, An address in Texas I have no connection to, And an expunged criminal record that is illegal to report under the Fair Credit Reporting Act ( FCRA ). 

I provided full identifying information in my original dispute. Despite that, LexisNexis refused to proceed until I submitted identity verification documents. I have since provided : My U.S. passport ( XX/XX/year> ), My Real ID drivers license ( XX/XX/year> ), yet I have not received any confirmation of identity authentication or dispute status. This delay violates FCRA 609 and 611. Their own correspondence stated that documentation is not required, yet they continue to delay resolution. 

These errors are materially affecting my insurance rates and employment eligibility. I am seeking CFPB intervention to compel LexisNexis to authenticate my identity and proceed with the required reinvestigation immediately, and to stop reporting any expunged or inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an XXXX Savings account with Bank of America on XX/XX/year>, at the XXXX XXXX XXXX XXXX XXXX, XXXX, California branch. During the account opening, a banker, XXXX XXXX XXXX, assured me that if I initiated an incoming wire transfer and established a good relationship, the bank would waive the incoming wire fees. 

Relying on this representation, I wired funds to the new account in the amounts of {$19000.00} on XX/XX/XXXX, {$66000.00} on XX/XX/XXXX, and {$65000.00} on XX/XX/XXXX, XXXX over {$150000.00}. Despite this, Bank of America charged incoming wire fees on all three transactions, totaling {$45.00}. 

After noticing the charges, I contacted XXXX XXXX via email. He initially acknowledged the issue and stated he would follow up with his manager regarding the waiver. However, after one follow-up from me, he ceased responding. I then visited the branch in person and spoke directly with the branch manager, who stated that a three-month average balance is required to qualify for such a waiver. This requirement was never disclosed to me at the time of account opening and would not have been feasible, as the account was newly opened. 

The manager declined to take responsibility and directed me back to XXXX XXXX, who has since ignored further inquiries. As of today, the issue remains unresolved. 

I believe I was misled into initiating high-value transfers based on a verbal promise that did not reflect Bank of America 's actual fee waiver policy. I am requesting ( 1 ) a full refund of the wire fees charged ; and ( 2 ) a written explanation of the banks policy regarding fee waivers for incoming wires. I also ask that Bank of America be held accountable for making verbal assurances that materially influenced my financial decisions without appropriate disclosure of conditions.

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 monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
I am filing a complaint against FABCO for violating the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I submitted a formal dispute to XXXX  and XXXX  regarding a FABCO collection account ( # XXXX ). This debt stems from charges after I moved out of an apartment ( XXXX XXXX XXXX ), despite having already paid a security deposit. I was never provided an itemized bill or validation of the debt. 
On XX/XX/year>, FABCO responded by simply " verifying '' the account as accurate, without providing any documentation. They only updated the reporting date and remarks. This violates FDCPA 809 and FCRA 611, as no real investigation or validation occurred.

This debt is invalid. It includes charges that would fall under normal wear and tear, which are not legally collectible. The account remains on my XXXX  credit report as " verified '' even though no proof was presented. 
I request that FABCO cease all collection activity, delete the account from my credit reports, and provide written confirmation. I am attaching a copy of the dispute response from XXXX  showing they merely changed the remark and date. 
amount they claim i owe {$300.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information currently being reported on my credit file. This dispute is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to report only accurate and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am currently apart of the {$2500.00} Cash App Class Action Settlement and have been trying to respond to their Deficency email. My information is showing issues connecting and upon attempting to reach out I am unable to get through. The deadline is for XX/XX/year> and I want to file through CFPB so my claim remains active and not over looked due to this. This is what was sent to me in an email that I have not been able to get into contact or response from. 

On Mon, XX/XX/year> at XXXX Cash App Security Settlement Administrator XXXX wrote : CASH APP SECURITY SETTLEMENT CLAIM DEFICIENCY LETTER CLAIM ID : XXXX CONFIRMATION CODE : XXXX XXXX XXXX We received your Claim Form in the Salinas , et al. v. Block, Inc. and Cash App Investing, LLC Settlement. After review, your Claim was determined to be Deficient for the following reason ( s ) : The supporting documentation you provided for your claim for reimbursement of Transaction Losses was insufficient ( i.e., there was no monetary value displayed on your documentation, the monetary value displayed on your documentation did not match the monetary value claimed on your Claim Form, the dates were not within the class period, there is no indication that it was related to an Unauthorized Account Event, etc. ). Your Claim is currently eligible for {$0.00} in documented transaction losses. 
If you wish to cure your Deficient Claim, you must respond by XX/XX/year>. Please submit your deficiency response on the Settlement Website, XXXX using the above Claim ID and Confirmation Code. Your response should address all issues noted above and include any documentation or information that was missing from your original claim. If you do not respond by XX/XX/year>, your claim will be Denied. Alternatively your deficiency response can be mailed to the Settlement Administrator at : Cash App Security Settlement Administrator Attn : Deficiency Responses XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Deficiency responses mailed to the Settlement Administrator must be postmarked by XX/XX/year>. 

For more information about this Settlement, you may view the Settlement Agreement and FAQs by visiting XXXX  or calling XXXX. In particular, please note that the definitions of the terms Out-of-Pocket Losses, Transaction Losses, Unauthorized Account Events, Data Security Incident, and Lost Time can be found in the Settlement Agreement, which is located at the Important Documents tab of the settlement website, and additional information regarding what an Unauthorized Account Event is can be found on the settlement website at FAQ No. 6. 

Sincerely, Cash App Security Settlement Settlement Administrator XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief