vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
I previously submitted a disputes to Experian regarding multiple negative accounts on my credit report. The basis of my dispute was that several pieces of information reported in those accounts were inaccurate, incomplete, and inconsistent. Despite my previous requests, the specific information I challenged remains inaccurate, incomplete and inconsistentmaking it clear that a proper or account level investigation may not have occurred. At this point, I am not just questioning the outcomeI am questioning the process. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how these disputes were investigated. I am requesting a detailed description of the procedures used to verify the accuracy and completeness of the information. The details of my request is in the letter attached to this complaint.

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 2025-05-22 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:
Consumer Financial Protection Bureau ( CFPB ) Formal Complaint Regarding : Equifax and XXXX XXXX XXXX  Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Phone Number : XXXX Email : XXXX Entities Involved : Credit Bureau : Equifax Furnishing Party : XXXX XXXX XXXXXXXX Disputed Account : Secured Credit Card Account ending in XXXX Balance : {$440.00} Reported Status : Charge-Off with 90+ days past due Last Reported Date : XX/XX/year> Complaint Description : I am filing this formal complaint due to inaccurate and harmful information being reported by Equifax regarding my XXXX XXXX XXXX account . The account is currently listed as Charge-Off, with a negative payment history including 13 months of 90+ days past due, even though this information is unverified and does not accurately reflect my payment behavior or account resolution. 

This inaccurate information severely impacts my credit score, credibility, and access to financial resources. 

Legal Violations Identified : 1. FCRA 15 U.S.C. 1681i & 1681s-2 Equifax is legally obligated to ensure all reported information is accurate and must properly investigate any disputed information. 

Reporting prolonged delinquency and charge-off status without adequate documentation or confirmation violates the FCRA. 

Equifax continued reporting damaging data despite discrepancies and without providing me evidence of verification. 

2. TILA 15 U.S.C. 1601 et seq. 
The Truth in Lending Act requires creditors to clearly disclose the terms of accounts and explain any adverse actions. 

There has been no clear or transparent communication from XXXX XXXX XXXXXXXX justifying the reported charge-off or the repayment obligations, which is misleading and lacks the transparency required by law. 

3. GLBA 15 U.S.C. 68016809 The Gramm-Leach-Bliley Act requires financial institutions and credit bureaus to protect the integrity and confidentiality of consumer information. 

Reporting inaccurate delinquency data on my credit file demonstrates negligence in handling my private financial records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-05-22 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I am a victim of identity theft and have submitted two official FTC Identity Theft Reports ( Report # XXXX dated XX/XX/XXXX and Report # XXXX dated XX/XX/XXXX ). Despite this, Experian and TransUnion continue to report unauthorized accounts and inquiries. 

Fraudulent inquiries include : 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 SBA, and others My personal information ( including SSN and identity documents ) was exposed in data breaches. I provided proof of this exposure and submitted fraud alerts. Experian and TransUnion have failed to act in compliance with FCRA 1681b and 1681c-2. 

I am requesting permanent removal of these inquiries and all associated fraudulent accounts.

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 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: MI

Complaint narrative:
Its been so many times all times of the night and just a bit excessive. Im not gon na look up the hundreds of calls and list dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me and may be the result of multiple data breach.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am formally requesting that these accounts be blocked and deleted from my credit report within 4 business days. 
I have filed an identity theft report with the FTC, and I am exercising my rights under federal law.

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 2025-05-22 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: VA

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  These accounts do not belong to me and may be the result of multiple data breach.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am formally requesting that these accounts be blocked and deleted from my credit report within 4 business days. 
I have filed an identity theft report with the FTC, and I am exercising my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: MD

Complaint narrative:
XXXX XXXX has repeatedly and antagonistically attempted to collect a debt that is not owed. I leased a car from XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX, Account # XXXX. I returned the car at the XXXX dealership in XXXX Maryland before the lease-end date of XX/XX/XXXX with less miles than the contract amount of XXXX mileage. I paid all lease payments on time and had my car in for all service checks in accordance with the three-year lease agreement. The car was returned in excellent condition with normal wear and tear on the tires. According to XXXX records, my car was inspected on XX/XX/XXXX. The XXXX XXXX Turn-In Settlement Invoice I received subsequent to this inspection ( undated ) showed a charge of excessive wear of two front tires in the amount of {$970.00} ( $ XXXX ) which is unwarranted the tires were returned with normal wear and tear for the type of tires on the vehicle. Note : the invoice also showed a {$50.00} charge for a scratched wheel which I paid immediately along with the disposition fee. I have written a total of five ( 5 ) letters to XXXX XXXX starting in XX/XX/XXXX through XX/XX/XXXX disputing the tire charges. In my letters I included records from the XXXX service department in XXXX Maryland for the required service checks, which stated the tires were inspected during the service visit, had even wear, and did not require rotation. 
To date, I have not received any follow-up correspondence from XXXX XXXX in response to my letters ; instead XXXX XXXX increased the amount owed from {$970.00} to {$1000.00}. In addition, XXXX XXXX ( VW Credit ) has placed a debt with each of the credit bureaus that has lowered my credit score, which prior to this event has always been Excellent. Lastly, on XX/XX/XXXX, I received a letter from a debt collector, XXXX, requesting collection of the debt in the amount of {$1000.00}, which I have disputed. XXXX recurrent pursuit of this fraudulent charge has resulted in damage to my Excellent credit score and their non-stop harassment has caused harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
I had a cash app account closed with about {$600.00} in there there was NO LIVE REPRESENTATIVE to speak with regarding obtaining my money off this account nor have i ever received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

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 2025-05-22 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: NC

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-22 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: FL

Complaint narrative:
I just checked my updated credit report and saw that Experian reinserted an account ( XXXX XXXX XXXX Account Number XXXX ) that was previously deleted. This account had already been removed after a dispute, and now it's suddenly back like nothing happened, without warning, without verification, and without my permission. This is a clear violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Experian is required to notify me within five business days of any reinsertion. On top of that, they were supposed to get certification of accuracy from the furnisher, as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), and that didnt happen either. No proof, no notice. Just an unauthorized reported account suddenly showing up again. Let me be absolutely clear : I never gave written consent for this account to be reported, which means Experian is also violating the FCRA 's permissible purpose requirement under 15 U.S.C. 1681b. Reporting without consent is a serious breach of privacy and federal law. Whats worse is that this same account is being reported differently by XXXX XXXX XXXX isnt reporting this account, and no information reported, which means they verified the account as not mine, this is a violation of 15 U.S.C. 1681e ( b ) for failure to maintain maximum possible accuracy across all reports. Experians actions here are reckless. This is a case of willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, which makes them liable for damages up to {$1000.00} per violation. I already disputed this in the paper, and then they added it back. Im tired of disputing the same thing over and over again while my credit takes the hit. Im also invoking my rights under 15 U.S.C. 1681c-2, which allows me to block unauthorized reported information. Any account reported without my written consent falls under this law. Experian had every opportunity to delete this, and they didnt. Im demanding the immediate and permanent deletion of this reinserted account, or Ill be forced to escalate this legally. Please take action and hold Experian accountable. This is unacceptable.

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 2025-05-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: CO

Complaint narrative:
I am writing to inform you of the unacceptable contact my husband received from XXXX XXXX XXXX  regarding a XXXX debt that I was never notified of. These communications began in XX/XX/year> and have continued without my prior knowledge or receipt of any notification. 

It is highly inappropriate that this corporation contacted my husband in an attempt to have him verify my personal information and confirm a debt that predates our relationship. Given the amount of time that has passed and the fact that I have never received any prior correspondence about this alleged debt, I request that you cease all communication with my husband and myself immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-22 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX TransUnion Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation