vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: FL

Complaint narrative:
While traveling in XXXX, U.S. Bank froze all of my accounts on XX/XX/year>. I immediately called and verified my identity through their text verification system. Despite confirming I was the rightful account holder and no fraud being present, I was told I would have no access to my funds for XXXX hours. 

This policy created serious financial risk. I was traveling and unable to make essential purchases. Worse, this is the second time U.S. Bank has done this to me the first lockout lasted more than a week. 

This is a dangerous and outdated fraud protocol that needs review. Customers who verify their identity deserve immediate access. 

Im requesting the CFPB review this case and hold U.S. Bank accountable for unreasonable delays and flawed customer service processes.

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 2025-07-16 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: CA

Complaint narrative:
I am submitting this complaint because my identity was stolen and fraudulent accounts were created in my name without my knowledge or consent. Specifically, a fraudulent credit card account with XXXX XXXXXXXX ( account number XXXX ) was opened without my authorization. I discovered the fraudulent activity in XX/XX/year>, but the account was not properly removed from my credit report. 

Despite filing disputes, this account was reinserted into my credit file by the credit bureau ( XXXX ) without following the legally required procedures under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This law requires the consumer to be notified in writing within XXXX business days if a previously deleted item is reinserted. I received no such notice, and I was never provided with the name, address, or phone number of the furnisher who allegedly verified the reinsertion. 

This constitutes a clear and willful violation of the FCRA, and it has caused significant harm to my credit reputation, emotional distress, and financial opportunities. 

I am attaching my FTC Identity Theft Report ( Ref # : XXXX ) to support this complaint. 



What would be a fair resolution to this issue : XXXX. Immediate and permanent deletion of the XXXX XXXXXXXX account ( Account # XXXX ) from all credit reports maintained by Experian, Equifax, and TransUnion. 
XXXX. An official statement from the credit bureaus confirming deletion and stating that the account will not be reinserted without full legal compliance under FCRA 1681i ( a ) ( 5 ) ( B ). 
XXXX. Provide the name, address, and contact information of the furnisher who allegedly verified the account for reinsertion, if applicable. 
XXXX. Investigate potential FCRA violations by the credit reporting agencies and the furnisher. 
XXXX. Ensure the correction is shared with all entities that accessed my credit report during the time this fraudulent item was listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
In XX/XX/XXXX, I discovered a fraudulent credit card account from XXXX ( partially shown as account # XXXX ) on my credit report. I disputed the account, and it was deleted after being identified as a product of identity theft. 

However, in XX/XX/XXXX, this same account was reinserted into my credit report by XXXX or more consumer reporting agencies ( CRAs ) without notifying me, in violation of the Fair Credit Reporting Act ( FCRA ). 

According to FCRA 1681i ( a ) ( 5 ) ( B ), if a previously deleted item is reinserted, the credit bureau must : Notify the consumer in writing within XXXX business days ; Provide the name, address, and phone number of the furnisher who certified the informations accuracy. 

I did not receive any written notice, nor was I provided with the furnishers identity. This violates both my right to proper reinsertion notice and my right to block identity theft-related information under FCRA 1681c-2.

What laws were violated?

FCRA 1681i ( a ) ( 5 ) ( B ) : Requires CRAs to notify consumers in writing and identify the furnisher when previously deleted information is reinserted. 
FCRA 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 1681c-2 : Requires CRAs to block information resulting from identity theft when documented by an FTC Identity Theft Report.

FCRA 1681n / 1681o : Provides for legal remedies in the case of willful or negligent noncompliance. 



What would be a fair resolution to this issue? 
XXXX. Permanently delete the XXXX account ( XXXX ) from all of my credit reports. 
XXXX. Provide a written explanation stating : Why the account was reinserted, Who certified it ( furnishers name, address, and phone number ), And why I was not notified as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Correct any credit score or reporting impact caused by the reinsertion.

4. Ensure the account is blocked permanently under FCRA 1681c-2 and not re-reported without proper legal justification and verification.

5. Enforcement action should be taken if the reinsertion violated federal law, and statutory damages should be considered under FCRA 1681n and 1681o if the reinsertion was negligent or willful.

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 2025-07-15 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-15 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax under the following accounts : 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 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. Despite my formal disputes submitted on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. 
As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : the complete deletion of all XXXX inaccurate late payment entries across all three credit bureaus, and payment of {$800.00} to compensate for the damages suffered. This offer is valid for XXXX ( XXXX ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual damages, statutory damages up to {$8000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to report that I have been a victim of identity theft. As a result, there is a balance due on my credit card for charges I did not authorize. This has also led to late payment reports and accounts being sent to collections, all of which were created and used without my knowledge or consent. I did not open or use these accounts, and I am not responsible for the charges. I am requesting that these fraudulent accounts, balances, and negative marks be investigated and removed from my credit file.

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 2025-07-15 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : 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 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 2025-07-15 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: MD

Complaint narrative:
I have identified an inquiry on my credit report that I do not recognize. I did not apply to this company, nor did I authorize or consent to them accessing my credit information. I am extremely concerned and confused about how this occurred, and it is causing me significant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i requested that transunion, equifax and experian to please correct the spelling of my name and that my address be also updated to my new and current residence. 

i am the only person on the lease. 

i have made several requests this 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 2025-07-15 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: OH

Complaint narrative:
I was unaware that my information was getting furnished. I did not give consent or authorization to anyone to do so. 
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
Consumer complaint received 2025-07-15 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: OH

Complaint narrative:
I was unaware that my information was getting furnished. I did not give consent or authorization to anyone to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
Dear Genesis Credit Management LLC, I see that you are attempting to collect the listed alleged debt. I dispute the validity of the alleged debt listed below completely. I request verification of the alleged debt, specifically, a copy of the original purchase agreement. 

{$1800.00} I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX  and XXXX. Please cease collection efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EGL US, LLC
State: NC

Complaint narrative:
Someone else filled out loan for me due to me being visually impaired. XXXX wasn't able to read the details of said loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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

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 2025-07-15 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 have a XXXX XXXX XXXX initially when i came to XXXX now i dint use that card but recently only my experian credit report has to XXXX card tge other one is overdrwan late payment and wahat not and it does not belong to me its someone who has the same name and lives in the same apartment complex but has like different apt no, date of birth, phone number. I need that acount taken off my credit. But nobody is helping

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 
XXXX ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$680.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
I am disputing the reporting of late payments on my credit reports from XXXX on all XXXX credit bureausXXXX XXXX and TransUnionand also on XXXX XXXX XXXX, which appears on TransUnion and XXXX These accounts are inaccurately marked as having late payments despite the fact that I have paid them in full and have maintained XXXX past due balances for these accounts. The reports falsely reflect that I was delinquent when, in reality, these accounts have been paid, settled, or current for a significant time. 

Under the Fair Credit Reporting Act, specifically 15 U.S.C. XXXX ( b ), credit reporting agencies are legally mandated to ensure the accuracy and completeness of the information they publish. By continuing to report these paid accounts as late, the bureaus are flagrantly violating this standard. This is not a minor clerical error but a reckless disregard for the accuracy requirements that directly impact my financial reputation. The negative impact on my credit score has severely limited my access to credit, increased the cost of borrowing, and caused unnecessary emotional distress and anxiety. 

Furthermore, these inaccuracies infringe on my rights under 15 U.S.C. XXXXi, which requires that once I dispute such errors, the bureaus must conduct a reasonable reinvestigation to verify the accuracy of the data. Despite multiple disputes, these late payments remain on my reports. This failure to correct blatantly erroneous data demonstrates a clear breach of their duty and has imposed ongoing, unjust harm on me.

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