vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX  Account # : XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, 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 non-monetary relief
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
Please see attachments all of this info added on my report is identity theft needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
Please see attachments all of this info added on my report is identity theft needs 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 2025-06-23 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 you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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 2025-06-24 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: RI

Complaint narrative:
CFPB Complaint Equifax Reporting Violations Filed by : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  RI XXXX Filed Against : Equifax Information Services LLC Reason : Violation of FCRA 1681e ( b ), 1681s-2 ( b ), 1681i Inaccurate and Misleading Reporting of Closed Charge-Off Accounts Complaint Summary : I am filing a complaint against Equifax Information Services LLC for its continued and willful violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and misleading reporting of three XXXX XXXX XXXXXXXX accounts on my Equifax credit file. These accounts are : - Account # * XXXX - Account # * XXXX - Account # * XXXX Violation Details : 1. Repeated Charge-Off Notations After Account Closure Each of the three accounts was charged off and closed in XX/XX/XXXX. However, Equifax is still reporting CO ( charge-off ) notations every month through XXXX and into XXXX. This violates : - FCRA 1681e ( b ) Furnishing of inaccurate and misleading information - Metro 2 Standards Prohibit multiple CO codes post-charge-off 2. Failure to Reflect Post-Charge-Off Payment Activity Each account reflects at least one payment made in early XXXX the charge-off occurred. Yet, balances and delinquency statuses remain unchanged, which violates : - FCRA 1681s-2 ( b ) Furnishers must report accurate information upon notice of dispute or account changes 3. Inconsistent Delinquency Reporting Equifaxs report shows 120- and 150-day delinquencies after charge-off, which is inaccurate and misleading. These accounts were already closed and written off. 
- FCRA 1681e ( b ) This distorts my credit history and is materially inaccurate - FCRA 1681i Equifax has failed to reinvestigate and correct these errors upon notice Requested Resolution : I demand that Equifax take the following immediate actions : - Conduct a full reinvestigation under 15 U.S.C. 1681i - Permanently delete or correct the reporting on the three XXXX XXXX XXXXXXXX accounts - Cease the illegal re-aging and redundant CO reporting practices- Update the status and balance on all accounts to reflect actual payment history and closure If Equifax fails to comply within a timely manner, I will file a civil lawsuit in XXXX XXXX  Court under 15 U.S.C. 1681n and 1681o, and seek actual, statutory, and punitive damages for ongoing harm to my credit and finances.

Certification : I certify under penalty of perjury that the above information is true and accurate to the best of my knowledge. 

Filed by : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-23 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: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
So please look at my previous complaints One is with the Bank of America and then one is with this company XXXX  but when the drop down comes down it says XXXX XXXX  and says that you all don't deal with them I'm going to look them up that's a transport recovery This is not them I don't know who this company is they just say XXXX They called me saying that I owed XXXX and XXXX XXXX. And that it was from a Bank of America credit card ending XXXX XX/XX/year>. This is the second type of people that call me The other one I think was in XXXX they know everything about me they know my social security my address my email address all my accounts Anyways their phone number is XXXX The reference number was XXXX The person I'm dealing with is XXXX XXXX at extension 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 2025-06-24 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: TX

Complaint narrative:
To Whom It May Concern, This is my formal rebuttal to XXXX XXXX XXXX 's response dated XX/XX/year>. While the company claims its credit reporting is accurate, it has failed to address a core violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines.

Issue : Repeated " Charge-Off '' ( CO ) Notations XXXX XXXX is reporting a Charge-Off status for multiple months on the same tradeline. This is not just misleading it is illegal. Under : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : furnishers must report accurate information.

15 U.S.C. 1681e ( b ) : furnishers must ensure maximum possible accuracy.

Metro 2 Guidelines : a charge-off is a one-time event, not a status that can be repeated.

The ongoing reporting of " CO '' every month creates a false narrative of repeated delinquency, which artificially lowers my credit score and damages my reputation. Once a charge-off is recorded, further monthly " CO '' designations are impermissible unless I have entered into a repayment plan, which I have not.

Issue : Re-Aging of Debt Reporting " past due '' or " late '' notations after charge-off violates : FCRA 623 ( a ) ( 5 ) : regarding proper delinquency date reporting FACTA amendments : concerning illegal debt re-aging practices Relief Requested : Immediate deletion of all duplicate CO notations beyond the initial charge-off date Updated tradeline that complies with FCRA and Metro 2 Written confirmation within 15 business days Under FCRA 1681n and 1681o, I reserve the right to seek {$1000.00} per violation and pursue civil action if this is not resolved. 

Sincerely, XXXX XXXX XXXX, TX

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 2025-06-23 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: CA

Complaint narrative:
I submitted multiple disputes to Experian/Transunion/Equifax regarding a charged-off account that is over 7 years old and should have been removed under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, negative information such as charge-offs must be removed 7 years from the date of first delinquency. However, this account still appears on my credit report. 

I filed disputes in XXXX and XX/XX/year>, but the item was not corrected or removed. Experian did not provide a clear explanation for keeping this outdated 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 explanation
Consumer complaint received 2025-06-24 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: LA

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. XXXX  of XXXX  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 XXXX  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 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 2025-06-24 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 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. XXXX  of XXXX  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 XXXX  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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have an auto loan with wells Fargo. We simply got on the phone with one of their reps to change the auto payment from one account to another. This was a business account. The rep never told us that in order to move from a personnel account to a business account there would be some additional form that would be sent out following this live phone call that would need to be filled out and sent back to wells Fargo. They claim to have sent a email to my wife, but this did not happen. They say they sent out Paper mail, but this went to an old address, and although we submitted Mail forwarding to US Mail, we never received anything. We have a 100 % on time payment record as of this phone call to them. The Rep on the phone assured My wife that there was nothing more we needed to do, an that the new auto billing from the new account would simply start as of the next billing cycle. All of the reps we speak to say they are not allowed to speak with us or share information, and that we need to deal with the collections people at Wells Fargo. 
This is crazy, because it is Wells Fargo 's rep that dropped the ball and gave us misleading information from the inception of this mess! we have tried to cure this problem by paying the delinquent amount, but they say the need to repo the car. Really are you kidding me!!! This is not fair, and we do not have financial problems whatsoever! We want this matter resolved, we want this account to be removed from its delinquent status, and this account restored form " A WRITE OFF '' We have no problem paying the full balance owed, do to there terrible communication with there customers.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
someone gained access to my personal information. They used my credit information to CHIME. CHIME allowed a credit pull and they allowed the fraudster to open up a checking account and credit card. My credit has been locked for a number of years and was not open during this breach. I received a credit card and debit card in the mail which alerted me to the fraud. I contacted the customer service and they had no information onto how the account was opened when my credit was locked other then they offered to close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
I have not supplied proof under the docrrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove these account before i seek litigation for defamation of character ) 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 2025-06-24 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: IL

Complaint narrative:
I have not supplied proof under the docrrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. I presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exsits. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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