vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to 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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/year> around XXXX pm I attempted to deposit {$1500.00} in cash into my Navy Federal Credit Union account using an ATM located at XXXX XXXX on XXXX XXXX XXXX in XXXX XXXX XXXX. The machine took the money but failed to credit my account. It went out of service. 

My first reaction to the situation was to call the police, XXXX XXXX arrived try to help me but unfortunately he can not do anything. Every step should be cought at the cameras of the Atm and XXXX XXXX  XXXX. 

I immediately contacted XXXX XXXX, but they told me I had to file a dispute with XXXX XXXX. I went to XXXX XXXX and submitted the dispute as instructed, but I have not received a resolution or clear updates. 

This is a significant amount of money, and I have made multiple attempts to follow up with both XXXX and XXXX XXXX, but the issue remains unresolved. It feels like both institutions are passing responsibility without providing a clear solution or timeline. 

I am requesting the CFPBs assistance to have XXXX XXXX investigate and resolve this case promptly and return the {$1500.00} that was taken from me without crediting my account and caused by a defective Atm. 

Attached are pictures of Atm out of service and chat with XXXX XXXX  denying to provide case number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 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: LEXISNEXIS
State: TX

Complaint narrative:
RE : Formal Demand for Immediate Deletion of Accounts and Inquiries Under FCRA Section 605C Violation of Federal Law and HIPAA Imminent Threat to Life and Safety To Whom It May Concern : I am writing in my capacity as legal representative for XXXX XXXX XXXX, to demand the immediate removal of all accounts and inquiries listed on the attached schedule from my clients credit file. These items must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605C 15 U.S.C. 1681c3, due to the documented risk these entries pose to the life, safety, and personal security of the consumer.

Let me be clear : you are now on formal legal notice. The continued reporting of these accounts and inquiries constitutes a willful violation of federal law. FCRA 605C explicitly provides for the suppression or exclusion of consumer report information upon submission of documentation showing that such information poses a threat of harm to the consumer.

In accordance with FCRA 1681c3, my client has submitted : A sworn statement of identity Documentation showing that the continued reporting of the listed accounts and inquiries endangers their personal safety Evidence supporting the suppression request You have a statutory obligation to honor this request immediately. The law does not give you discretionary authority to " verify '' or " investigate '' a threat to lifeit compels you to act in protection of the consumer. Failure to comply will expose your organization to full legal liability under federal law.

Further, to the extent that any of these accounts pertain to medical information, your reporting and mishandling of such information may also violate the Health Insurance Portability and Accountability Act ( HIPAA ). Under HIPAA, the unauthorized disclosure of personal health information is a federal violation subject to substantial civil penalties and possible criminal enforcement. You are not only in breach of the FCRA, but you may also be unlawfully exposing or misusing protected medical information in violation of 45 CFR 164.502.

My clients life and physical safety are at risk. You are not only reporting inaccurate and disputed information, you are doing so in direct defiance of a federal suppression request tied to life-threatening circumstances. This is reckless, dangerous, and unlawful.

If the accounts and inquiries listed below are not fully and permanently removed within ten ( 10 ) business days, we will proceed with legal action under the following : FCRA Section 605C ( 15 U.S.C. 1681c3 ) HIPAA Privacy Rule ( 45 CFR Part 160 and Subparts A and E of Part 164 ) FCRA Sections 616 and 617 ( for willful and negligent noncompliance ) Any other relevant federal and state consumer protection statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
Re : Dispute of Inaccurate or Incomplete Information on Credit Report File Number : XXXX Dear Sir/Madam, I am writing to formally dispute certain items listed on my credit report that are inaccurate. I request that you investigate these items and remove them from my credit report as required by law.

The specific items I am disputing are as follows : 1. The list accounts below are showing on my credit report as being late or delinquent : These Statement are false and inaccurate, and under the Fair Credit Act Account Name Account Number Balance Monthly Payment DEPT OF XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4300.00} {$21.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7000.00} {$48.00} DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2200.00} {$11.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$3900.00} {$21.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$4300.00} {$24.00} DEPT OF ED / XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7900.00} {$45.00} DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$6000.00} {$32.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$270.00} I believe that this information is inaccurate and/or incomplete for the following reasons : [ Explain the inaccuracies or incomplete information ] Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to ensure that the information they report is accurate and complete.

If the information is found to be inaccurate or incomplete, the credit reporting agency must correct or delete it. In the case of Guimond v. TransUnion Credit Reporting, 45 F.3d 1329 ( 9th Cir. 1995 ), the court held that a credit reporting agency must act diligently in investigating disputes and correcting errors.

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 2025-07-20 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: TX

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : FCRA and Metro 2 Reporting Violations by XXXX XXXX XXXX XXXX and TransUnion Date : XX/XX/XXXX Dear CFPB Officer, I am filing this complaint to report violations of the Fair Credit Reporting Act ( FCRA ) and CDIA Metro 2 reporting standards by XXXX XXXX XXXX XXXX and TransUnion. 

Key concerns include : Inconsistent reporting of the same debt across XXXX  and TransUnion. While XXXX  shows the debt as fully paid, TransUnion reports it as a charge-off with an outstanding balance, in violation of FCRA 1681e ( b ).

Re-aging of a closed deposit account, reported monthly as charged-off from XXXX through XXXX, despite no new activity, which contradicts FCRA 1681c ( a ) ( 4 ) and Metro 2 standards.

Improper handling of consumer disputes : XXXX  acknowledges my prior dispute but continues reporting the debt without substantive reinvestigation or the full display of my dispute statement.

I am requesting that the CFPB : Investigate these reporting practices. 

Compel XXXX XXXX and TransUnion to correct or remove the affected accounts. 

Review these reporting agencies compliance procedures for dispute handling and data accuracy.

These errors significantly harm my credit profile and violate my consumer rights. I appreciate your time and advocacy. 

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 2025-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: PA

Complaint narrative:
On XXXX separate occasions in XXXX and XXXX, I sent USCB a certified letter demanding an itemized statement of the debt alleged to be owed by me. By their own admission in their response to the PA attorney general, my insurance allocated approximately XXXX $ in total, between payments to me and a total of {$400.00} in co-pays. This is the standard reimbursement rate ambulance companies receive, and is a reasonable market value. USCB is requesting well in excess of {$3000.00}. I need a breakdown of how that price is determined, to verify it's validity. So far, USCB has failed to reply to a direct demand for this information, while still reporting this disputed debt to my credit reports. I can demonstrate that this has directly caused serious financial harm to me and my business, forced me to lose a favorable loan I needed for my business, and forced me to take on expensive financing to cover those charges, all because of this illegally reported, unverified debt.

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 2025-07-21 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6500.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$86.00} XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

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 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 explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
This account XXXX XXXX XXXX is not mine and it's still appearing in my TransUnion 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 2025-07-21 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: OH

Complaint narrative:
I am a victim of identity theft. Auto loans were fraudulently opened in my name without my knowledge or permission with XXXX XXXX XXXX and XXXX XXXX XXXX. I did not apply for, authorize, or receive any vehicle or financing from either company. Despite this, these companies reported these accounts to the credit bureaus, and in some cases, repossession entries have been added to my credit file. 

On or around XX/XX/year>, I discovered these fraudulent accounts and began disputing them with the credit reporting agenciesEquifax, Experian, and TransUnion. I also notified the companies directly, demanding verification and removal under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I submitted written disputes, including identity theft affidavits, and requested that these accounts be blocked, deleted, and no longer reported under 15 U.S.C. 1681c-2. 

Despite these efforts, the companies continue to report the accounts as valid, and no investigation results have been provided. Their failure to act is causing damage to my credit and emotional distress and violates federal identity theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NH

Complaint narrative:
On XX/XX/year>, I sent TransUnion a detailed written request regarding XXXX XXXX accounts ( ending in XXXX and XXXX ) that were reported inaccurately. 

My letter ( attached ) demanded, under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s2 ( b ) ), that TransUnion provide the XXXX records, method of verification, and a description of their reinvestigation procedure. 

On XX/XX/year>, TransUnion sent me a response ( attached ) stating they would not process my request because it allegedly did not come from me or an authorized third party. This is falsemy letter was personally written, signed, and mailed by me from my own address. 

TransUnion has failed to comply with the FCRA by refusing to reinvestigate and refusing to provide the required information. 

Because of these inaccuracies, I have been denied approval for a car loan, denied a line of credit for my business, and denied a personal credit card. These denials are causing me significant financial and personal hardship.

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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app closed my account saying I did something against community standards and I never did anything. I dont understand why they wont let me open an account with them and I have said i havent done anything wrong and they still wont allow me to open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: OH

Complaint narrative:
After receiving an email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit report and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused me significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX Amount : {$110.00} XXXX XXXX ) XXXX XXXX XXXX XXXX Amount : {$720.00} XXXX XXXX ) XXXX XXXX XXXX  Amount:XXXX Date:XX/XX/XXXX INCORRECT NAMES : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation