vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 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: VA

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX I am formally demanding the immediate removal of a debt you have reported to one or more credit reporting agencies under my name. The information you have furnished is inaccurate, damaging, and in direct violation of federal law, including the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and potentially the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). This collection account must be removed from all credit bureaus and any internal records.

This debt, as listed on my credit file, is incorrect, does not belong to me, Under FCRA 607 ( b ), you are obligated to maintain reasonable procedures to assure maximum possible accuracy. Failing to do so subjects you to legal liability and regulatory action. Continuing to report inaccurate or incomplete information after being notified is a willful violation and carries penalties under FCRA 616 and 617.

No further attempts to collect or report this account are permitted. This is not a request for verification. This is a demand for deletion based on your legal obligation to report only accurate and current information, and to refrain from abusive, deceptive, or unlawful collection activity.

You have fifteen days from the date of this letter to remove this item and confirm that it has been deleted from all consumer reporting agencies. I will also pursue all legal remedies available under federal law, including damages.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX  Account number XXXX I am formally demanding the immediate removal of a debt you have reported to one or more credit reporting agencies under my name. The information you have furnished is inaccurate, damaging, and in direct violation of federal law, including the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and potentially the Fair Debt Collection Practices Act ( 15 U.S. Code 1692 ). This collection account must be removed from all credit bureaus and any internal records.

This debt, as listed on my credit file, is incorrect, does not belong to me, Under FCRA 607 ( b ), you are obligated to maintain reasonable procedures to assure maximum possible accuracy. Failing to do so subjects you to legal liability and regulatory action. Continuing to report inaccurate or incomplete information after being notified is a willful violation and carries penalties under FCRA 616 and 617.

No further attempts to collect or report this account are permitted. This is not a request for verification. This is a demand for deletion based on your legal obligation to report only accurate and current information, and to refrain from abusive, deceptive, or unlawful collection activity.

You have fifteen days from the date of this letter to remove this item and confirm that it has been deleted from all consumer reporting agencies. I will also pursue all legal remedies available under federal law, including damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Phone : [ Your Phone Number ] ( optional ) Email : XXXX Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX Washington , DC XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting on Experian Request for Investigation and Removal Dear CFPB Officer, I am writing to file a formal complaint regarding inaccurate and inconsistent reporting on my credit file with Experian. A credit account listed under my name is displaying conflicting information, including inaccurate payment dates, inconsistent balances, and discrepancies in the account status across reporting periods. 

Despite previous attempts to dispute this information directly with Experian and the creditor, the issue remains unresolved. The reporting errors are as follows : Creditor Name : XXXX Type of Discrepancy : Reported payment history does not match original account records Dates opened and closed vary across updates Incorrect payment status and/or balances reported Inconsistent data compared to XXXX  and XXXX  reports Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit report. I believe this account is either being misreported or may have been erroneously placed on my report due to furnisher negligence or systemic inaccuracy by the credit bureau. 

I am requesting that the CFPB investigate this matter and take appropriate action to : 1.Require XXXX  and the creditor to fully verify the accuracy of this account ; 2.Remove the account entirely from my credit report if it can not be verified or corrected ; 3.Provide confirmation of the outcome of this investigation. 

Please find attached supporting documents including a copy of my Experian credit report with the disputed account highlighted, a copy of my ID, and any correspondence Ive had with Experian or the creditor. 

Thank you for your attention to this matter. I look forward to your timely response. 

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 2025-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Self Financial Inc.
State: CA

Complaint narrative:
I paid off my loan and have not received my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In the beginning of XXXX I had made {$9000.00} in deposits through mobile banking which was accepted by the bank. The bank approved the deposits via the mobile app. As soon as the funds were to become available, the bank froze my account without any warning or notice. None of the deposited checks were altered or fake. They were 3rd party checks, however its been over 2 weeks that the bank has not given me access to any of my funds

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 2025-05-25 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: NY

Complaint narrative:
I have a XXXX XXXX account and they reported an old balance on my XXXX account from XX/XX/XXXX to XX/XX/XXXX which is already paid. It said it was an unpaid balance of {$31.00} which is impossible. My XXXX  account doesnt carry any unpaid balances at all. I only have a positive balance of {$20.00} on my XXXX XXXX XXXX  XXXX  is not a real bank either. It is owned by XXXX XXXX. It was most likely XXXX  or trans union that sent this inaccurate information to XXXX XXXX. This caused my score to drop XXXX points.

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 2025-05-25 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:
Its addresses attached to my ssn that Ive never lived at. The address on my license is where Ive lived for 31 years. Theres multiple accounts on my profile that are not validated debts. I also have late payments on my report for these fraudulent accounts if they are not removed within 4 days, I will take the next step which is suing everyone involved. I have all rights to fair credit reporting. Ive asked numerous times for you all to remove these negative items. Ive never had a diff license or address ever. all of those addresses attached to my social are not mines.

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 2025-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
The balance of {$8200.00} should be zero. The company is reporting to XXXX XXXX XXXX XXXX as a balance owed. This reporting lowers my a FICO score due to the fact it shows this account with a balance, total balance on revolving and open ended accounts, and revolving utilization. This account was a charge off and the debt has been sold to a third party. The company should stop reporting each month and should be listed from the date they sold the debt to the third party.

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 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This account is showing late payments that I do not believe are accurate. I never received timely billing notices or alerts of delinquencies. Ive asked Navy Federal and the credit bureaus to validate the late entries, but no documentation has ever been provided to show I was in default. Reporting delinquency without validation violates FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate and substantiated reporting.

These derogatory marks are negatively affecting my credit, and without proof that they are valid, they should be removed. Navy Federal has had multiple chances to verify the information but has not presented any billing statements, correspondence, or internal records that prove these lates are legitimate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
I am requesting the reopening and escalation of CFPB Case # XXXX regarding the My XXXX XXXX Credit Card account ( ending in XXXX ) reported by XXXX to Experian. 

In their XX/XX/year>, response to the CFPB, XXXX admitted in writing : A copy of the signed application is not available. 

This confirms they are furnishing information to Experian without proof of liability or a signed contract, which violates FCRA Section 623. Experian has continued reporting the account as verified, in violation of FCRA Section 611. 

I am requesting : Reopening of CFPB Case # XXXX Investigation into XXXX improper reporting practices Removal of this unverifiable account from all credit reports Written explanation from Experian on how it verified a debt that XXXX  admits can not be validated

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 2025-05-25 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: TX

Complaint narrative:
I am requesting the reopening and escalation of CFPB Case # XXXX regarding the My XXXX XXXX Credit Card account ( ending in XXXX ) reported by XXXX to Experian. 

In their XX/XX/year>, response to the CFPB, XXXX admitted in writing : A copy of the signed application is not available. 

This confirms they are furnishing information to Experian without proof of liability or a signed contract, which violates FCRA Section 623. Experian has continued reporting the account as verified, in violation of FCRA Section 611. 

I am requesting : Reopening of CFPB Case # XXXX Investigation into XXXX improper reporting practices Removal of this unverifiable account from all credit reports Written explanation from Experian on how it verified a debt that XXXX admits can not be validated

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 2025-05-25 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:
I am requesting the reopening and escalation of CFPB Case # XXXX regarding the My XXXX XXXX Credit Card account ( ending in XXXX ) reported by XXXX to XXXX 

In their XX/XX/2025, response to the CFPB, XXXX admitted in writing : A copy of the signed application is not available. 

This confirms they are furnishing information to XXXX  without proof of liability or a signed contract, which violates FCRA Section 623. XXXX has continued reporting the account as verified, in violation of FCRA Section 611. 

I am requesting : Reopening of CFPB Case # XXXX Investigation into XXXX improper reporting practices Removal of this unverifiable account from all credit reports Written explanation from XXXX  on how it verified a debt that XXXX admits can not be validated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: MO

Complaint narrative:
Hey, I'm XXXX XXXX. I see many violations on my consumer report even though I have complained many times before thus complaint. My report violates many provisions within 15 USC 1681. I don't not give consent to report adversely on my consumer report. My consumer report violates the Privacy Act of 1974 by having my personal private information giving out publicly without my written consent. 15 U.S. Code 1681b - " Permissible purposes of consumer reports '' is being violated by your company consumer report on my consumer due to never receiving written consent. 15 U.S. Code 1681c - " Requirements relating to information contained in consumer reports '' is being violated due to adverse items on report including inquires also. 15 U.S. Code 1681a - " Definitions ; rules of construction '' is being violated against due to having reports containing information solely as to transactions or experiences between the consumer and the person making the report. I do not give consent for my transaction and experiences I am having with corporations to be shown on my consumer report. I would like it to just show " updated/paid as agreed ''. 15 USC 1666b is being violated due to listing payments as late under open ended consumer credit plans. 20 U.S. Code 1232g - " Family educational and privacy rights '' is being violated by even reporting any school/educational history on my consumer report. 15 U.S. Code 1681e - " Compliance procedures '' is being violated due to many inaccurate reporting 's on my consumer report. Your company can be held accountable under 15 U.S. Code 1681n - " Civil liability for willful noncompliance '' and 15 U.S. Code 1681o - " Civil liability for negligent noncompliance '' due to the many violations being committed and the continuing of violations being committed even after consumer has given notice on many documented occasions. Also, I wanted to mention specifically that XXXX XXXX XXXX is being reported inaccurately with different information between Experian, Transunion, and Equifax. I only give consent to report XXXX XXXX XXXX as updated paid in full and not showing any other personally private information showing my relationship with the corporation pursuant to 15 USC 1681 and The Privacy Act of 1974.

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 2025-05-25 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: MO

Complaint narrative:
Hey, I'm XXXX XXXX. I see many violations on my consumer report even though I have complained many times before thus complaint. My report violates many provisions within 15 USC 1681. I don't not give consent to report adversely on my consumer report. My consumer report violates the Privacy Act of 1974 by having my personal private information giving out publicly without my written consent. 15 U.S. Code 1681b - " Permissible purposes of consumer reports '' is being violated by your company consumer report on my consumer due to never receiving written consent. 15 U.S. Code 1681c - " Requirements relating to information contained in consumer reports '' is being violated due to adverse items on report including inquires also. 15 U.S. Code 1681a - " Definitions ; rules of construction '' is being violated against due to having reports containing information solely as to transactions or experiences between the consumer and the person making the report. I do not give consent for my transaction and experiences I am having with corporations to be shown on my consumer report. I would like it to just show " updated/paid as agreed ''. 15 USC 1666b is being violated due to listing payments as late under open ended consumer credit plans. 20 U.S. Code 1232g - " Family educational and privacy rights '' is being violated by even reporting any school/educational history on my consumer report. 15 U.S. Code 1681e - " Compliance procedures '' is being violated due to many inaccurate reporting 's on my consumer report. Your company can be held accountable under 15 U.S. Code 1681n - " Civil liability for willful noncompliance '' and 15 U.S. Code 1681o - " Civil liability for negligent noncompliance '' due to the many violations being committed and the continuing of violations being committed even after consumer has given notice on many documented occasions. Also, I wanted to mention specifically that XXXX XXXX XXXX is being reported inaccurately with different information between Experian, Transunion, and Equifax. I only give consent to report XXXX XXXX XXXX as updated paid in full and not showing any other personally private information showing my relationship with the corporation pursuant to 15 USC 1681 and The Privacy Act of 1974.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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:
1 ) I can not reach EXPERIAN by phone. 
2 ) Since XXXX of XXXX the court case initiated by XXXX XXXX was DISPOSED by the court XX/XX/XXXX, and my mail communication to EXPERIAN to update and/or DELETE this XXXX XXXX XXXX  for $ XXXX, as XXXX  credit bureau has , has only resulted in EXPERIAN ignoring the court document as well as my requests since XXXX  to update and/or DELETE this XXXX XXXX XXXX for $ XXXX since this TRADELINE is due to be DELETED XX/XX/XXXXXXXX  anyway. This is a violation of the FCA regulations on the part of EXPERIANs inaccurate/false credit reporting. This is having a very negative impact for two years now on my credit score as well as qualifying for a mortgage.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$400.00}, XXXX XXXXXX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024 , XXXXXXXX XXXX XXXXXXXX XX/XX/year>2024 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/scrub>/2024, XXXXXXXX XXXX XXXX XXXX/XXXX/2024, XXXX XXXX XXXXXX/XX/scrub>/2024, XXXX XXXX XXXXXX/XX/year>2024, XXXX XXXX XXXX XX/XX/scrub>/2024, XXXX XXXX XX/XX/year>2024 , XXXX XXXX XX/XX/year>2024 & XXXX XXXX XXXX  XXXX/XXXX/2024

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