vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). 
Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-05-09 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: DC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA XXXX RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the XXXX XXXXXXXX XXXX XXXXXXXX ( a ) ( XXXX ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under XXXX XXXX XXXX ( a ) ( XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Financial Network Inc.
State: CT

Complaint narrative:
American Financial Network is now simply and indisputably lying to the consumer finance protection bureau. First, they said that they no longer show that there are late payments and that account shows payed as agreed. 

A : From the enclosed credit report, it shows that this is a lie. 
B : The enclosed XX/XX/year> loan modification shows that any previously reported late payments should be removed. 
C : The bank or American Financial NetworkXXXXXXXX XXXX lied and said that they were not reporting late payments and that the problem was fixed which clearly is proven to be a lie to the consumer finance protection bureau by XXXX XXXX by the credit report. 

All these factors combined with ongoing modifications, games, false information, false payoffs and more show a pattern of fraud and bad faith financial practices that more than warrant a shut down or loss of license to practice as a bank

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NC

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable inquiries unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed inquiry, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I would like to dispute the actions of this credit company and my prior landlord. I moved out of XXXXXXXX XXXX on XX/XX/XXXX. I did not receive an itemized statement or my security deposit back. I instead received a 1 page collections letter from Fair Collections & Outsourcing on XX/XX/XXXX without a copy of the itemized bill. I requested the itemized statement from my landlord after receiving the collections letter. XXXX referred me the collection company, but did not provide an itemized statement as required under XXXX XXXX. While waiting for the statement, I received notice that there was a collection on my credit report for {$2100.00}. I disputed this amount, as I had not received the statement and so I did not believe that I owed this amount. My thought proved to be correct, because once I received the statement, I determined that the credit company unlawfully was seeking {$2100.00} when the proper amount was less than that ( see email chain ). I contacted the credit company and am willing to pay, but they refused to delete the debt from my credit report. This is unlawful, the amount they report {$2100.00} was incorrect, and instead of deleting it they updated it to the agreed upon less amount and kept it on my report. This is unlawful. The original amount in dispute should not have been on my collections report. XXXX should have provided me with the itemized bill 45 days after moved and I received it months later. If XXXX acted in accordance with the law, I would not have this collection debt on my credit report. Now the credit company claims that it is a valid debit and are refusing to delete. I want to pay the amount ( the right amount ) and have this deleted from my credit. I am filling this complaint because this credit company ( and many like it ) are unlawfully affecting consumers ' credit by reporting inaccurate or unverified debts and refusing to remove them, even after legitimate disputes are filed. By intentionally keeping negative marks on credit reports, these companies harm individuals like myself and our financial futuresmaking it harder to access housing, loans, or employment opportunities, even when the debt is invalid or settled.

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 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: BAM Management US Holdings Inc.
State: IL

Complaint narrative:
In XX/XX/XXXX, I attempted to purchase {$2000.00} worth of XXXX  through Binance.US. Binance pre-credited my account with the Bitcoin, attempted to pull funds from my linked bank account, and when that failed due to insufficient funds, they reversed the Bitcoin  and charged me a {$900.00} chargeback fee despite no product or service ever being delivered. 

I contacted Binance support. An agent named XXXX stated they could not reduce the charge and that I had to deal with XXXX XXXX XXXX, their third-party collections partner. When I contacted XXXX, they clearly said Binance controls all settlement terms, including discounts. 

XXXX also sent me an official letter stating that a 20 % discount was authorized by Binance if I paid before XX/XX/XXXX. When I showed this to XXXX, she contradicted her earlier responses confirming the offer was valid but again insisting only XXXX could help. This was clearly an intentional runaround, with both parties shifting blame while avoiding resolution. 

Binance never provided a clear breakdown of how the {$900.00} fee was calculated, nor did they offer any flexibility, escalation, or accountability. The experience was evasive and unacceptable. I've attached the chat transcript, the official discount letter, and a written summary for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX FINAL NOTICE DEMAND TO DELETE CHARGE-OFFS IMMEDIATELY FCRA, UCC & FEDERAL CONSUMER LAW VIOLATIONS To Whom It May Concern, This letter is a formal demand for the immediate deletion of the following charge-off accounts from my TransUnion credit report. These accounts are erroneous, unverified, and in violation of federal law, including but not limited to the Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( UCC ), and related consumer protection laws. 

ACCOUNTS TO BE DELETED : XXXX XXXX Acct # XXXX Charge-off {$2900.00} XXXXXX/XX/XXXX Acct # XXXX Charge-off {$0.00}XX/XX/XXXX Acct # XXXX Charge-off {$1600.00} XXXXXX/XX/XXXXAcct # XXXX Charge-off {$6800.00} XXXX XX/XX/XXXX Acct # XXXX Charge-off {$25000.00} XXXXXX/XX/XXXX Acct # XXXX Charge-off {$18000.00} XXXXXX/XX/XXXX Acct # XXXX Charge-off {$8300.00} VIOLATIONS COMMITTED : FCRA 1681b No valid permissible purpose to report these items FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 609 ( a ) ( 1 ) No legal validation or original signed instrument provided FCRA 611 ( a ) ( 5 ) ( B ) Reinserted items must be certified and you must notify the consumer UCC 3-501 I demand presentment of the original obligation with wet-ink signature UCC 1-308 I reserve all rights without prejudice These charge-offs are being reported without legal verification, original contracts, or chain of assignment, all of which are required by federal law.

REQUIRED ACTION : You are required to : Delete all listed charge-off accounts immediately Provide written legal validation including contracts, assignment, and authorization to report Respond in writing within 15 calendar days of receipt of this notice FAILURE TO COMPLY WILL RESULT IN : Formal complaints filed with the CFPB, FTC, and Florida Attorney General Civil litigation for FCRA violations under 616 & 617 Claims for negligence, defamation, and emotional distress This is your final legal warning. I expect full compliance under federal consumer law. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2025-05-09 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: IL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX XXXX  breach upon reviewing my credit report, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed I have submitted an FTC complaint reporting the information. 

Down below, you will find my identification credentials attached along with the XXXX report proving my information was exposed in a national data breach and the FTC 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 non-monetary relief
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are questionable. I sent letters over 30 days ago requesting validation of these entries, but have received no response, and no satisfactory validation has been provided. This ongoing silence is concerning as these entries continue to impact my credit standing negatively.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/year> Chex Systems , Inc . 
Consumer Relations XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Chex Systems , Inc., I am writing to formally dispute certain negative codes on my ChexSystems report associated with my Consumer ID : XXXX. The specific codes in question are : My consumer score should be XXXX instead of the low XXXX XXXX. XXXX - Recent Unique XXXX XXXX Inquiry History XXXX. XXXX  - Time Since XXXX XXXX XXXX XXXX. XXXX - Insufficient XXXX  Inquiry Activity Same XXXX I am a victim of XXXX XXXX which has significantly impacted my financial history and the ability to maintain consistent financial activities. As a result of circumstances beyond my control, these negative codes do not accurately reflect my financial responsibility or intentions. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the removal of these negative codes from my report. These entries are causing undue hardship and do not represent my current or future financial behavior. 

Please find attached any relevant documentation that supports my claim as a XXXX XXXX victim. I am committed to rebuilding my financial stability and appreciate your understanding and assistance in this matter. 

I would appreciate a prompt response to this request. Please contact me at XXXX, or XXXX if you require any further information. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX 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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I submitted disputes through the online portals of both Experian and TransUnion regarding inaccurate information reported on my credit report. At the time of submission, I also requested the description of the reinvestigation procedure used to resolve my dispute, as allowed under XXXX XXXX. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ). 

As of today, both Experian and TransUnion have failed to provide the reinvestigation procedure descriptions within the required XXXX timeframe. 

Experian marked my dispute as investigation complete, but offered no explanation of what steps were taken, what documentation was reviewed, or how the account was verified. TransUnion similarly responded that the information was verified as accurate and updated, but did not include a reinvestigation procedure. Their letter stated I would need to request it separately, despite the fact that I had already made that request during my initial dispute. 

Both companies failed to comply with their legal obligations under the FCRA. Due to these violations, I am requesting that the Consumer Financial Protection Bureau require Experian and TransUnion to : Provide the full reinvestigation procedure descriptions for each dispute Remove the disputed account ( XXXX ) from my credit report due to failure to follow proper reinvestigation procedures Take appropriate enforcement actions to ensure compliance with 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-05-09 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: HI

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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