vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: CA

Complaint narrative:
FOR ACCOUNT # XXXX This letter serves as my formal dispute and final demand regarding the alleged XXXX account placed with your agency for collections in the amount of {$270.00}. As previously stated, this debt is not valid, and your failure to provide complete and legally sufficient validation constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

You continue to rely on billing summaries, which are not proof of liability. You have failed to provide : A signed contract or application showing I agreed to service Proof of direct communication or billing to me personally Documentation ruling out fraud, misidentification, or error Legal chain of custody showing assignment of debt and enforceability Most importantly, this exact account has already been deleted from Experian after investigation. I have a screenshot to prove this removal, which confirms the lack of verified, accurate, or complete information regarding this alleged debt. 

Therefore, I demand that this account be permanently removed from all credit bureaus ( including TransUnion and Equifax ) immediately. Reporting a disputed, unverified debt after deletion from one bureau is an act of willful negligence and may be a violation of 15 U.S.C. 1681s-2 ( b ).

If this matter is not fully resolved and deleted within 30 days, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and California Attorney General, as well as pursue civil remedies. 

Cease all contact unless it includes complete validation. This letter also serves as a continued cease and desist notice under the FDCPA.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
FOR ACCOUNT # XXXX This letter serves as my formal dispute and final demand regarding the alleged XXXX account placed with your agency for collections in the amount of {$270.00}. As previously stated, this debt is not valid, and your failure to provide complete and legally sufficient validation constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

You continue to rely on billing summaries, which are not proof of liability. You have failed to provide : A signed contract or application showing I agreed to service Proof of direct communication or billing to me personally Documentation ruling out fraud, misidentification, or error Legal chain of custody showing assignment of debt and enforceability Most importantly, this exact account has already been deleted from XXXX  after investigation. I have a screenshot to prove this removal, which confirms the lack of verified, accurate, or complete information regarding this alleged debt. 

Therefore, I demand that this account be permanently removed from all credit bureaus ( including TransUnion  and XXXX  ) immediately. Reporting a disputed, unverified debt after deletion from one bureau is an act of willful negligence and may be a violation of 15 U.S.C. 1681s-2 ( b ).

If this matter is not fully resolved and deleted within 30 days, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and California Attorney General, as well as pursue civil remedies. 

Cease all contact unless it includes complete validation. This letter also serves as a continued cease and desist notice under the FDCPA.

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: 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding a debt they are reporting to XXXX, XXXX, and TransUnion allegedly tied to XXXX XXXX XXXX XXXXXXXX XXXX I requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. XXXX provided only a resident ledger. this is not a valid debt verification, as it lacks A signed lease or contract - A breakdown and justification of the charges - Proof of assignment or legal authority to collect Furthermore, the resident ledger they provided shows the balance was written off/adjusted off as bad debt, and the final balance {$0.00} this indicates that the original creditor has closed the account internally or settle it and XXXX XXXX has no lawful basis to continue reporting or collecting on this account Their continued reporting of a balance to the credit bureaus, despite the ledger showing a write-off, is a violation of both the FDCPA 15 U.S. Code 1692e - False or misleading representations of debt and the Fair Credit Reporting Act ( FCRA,15 U.S.C. 1681s-2 ( b )

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: 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: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX regarding a debt they are reporting to Experian, XXXX, and XXXX  allegedly tied to Valiant Residential /Westwood XXXX XXXX I requested validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. XXXX provided only a resident ledger. this is not a valid debt verification, as it lacks A signed lease or contract - A breakdown and justification of the charges - Proof of assignment or legal authority to collect Furthermore, the resident ledger they provided shows the balance was written off/adjusted off as bad debt, and the final balance {$0.00} this indicates that the original creditor has closed the account internally or settle it and XXXX XXXX  has no lawful basis to continue reporting or collecting on this account Their continued reporting of a balance to the credit bureaus, despite the ledger showing a write-off, is a violation of both the FDCPA 15 U.S. Code 1692e - False or misleading representations of debt and the Fair Credit Reporting Act ( FCRA,15 U.S.C. 1681s-2 ( b )

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: FL

Complaint narrative:
I was scammed out of XXXX via a wire. I showed the bank associate the police report and the evidence it was a scam. They would not reverse the wire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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: TN

Complaint narrative:
. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2400.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$260.00} INQUIRIES : 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 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
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$280.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$8900.00} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1200.00} Open Date XX/XX/XXXX XXXX Balance : {$770.00} Open Date XX/XX/XXXX XXXX  XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX Inquiries : XXXX XXXX  XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, XXXX, and XXXX  to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
Opened a new account, deposited a check, and was issued a 10-day hold due to the new account.

Following that was able to use the account okay.

Made more deposits, and the account was placed under " restrictions '' or holds. Spoke with multiple managers, officers, branch managers, and employees, and was told they need an " approved '' number to release funds.

It's a brand new subdivision there is no " approved '' number. Payments are handled by property management group. Asked them to just return funds back to maker and they said they can not do that. I need my funds returned back to maker or released back to me.

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 — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
Companies Involved : Wells Fargo Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : Unlawful or Unauthorized Hard Inquiries and Damaging Credit Reporting To Whom It May Concern, This formal complaint is being submitted regarding multiple unauthorized and/or unsubstantiated hard credit inquiries made against my credit file by the following financial institutions : Wells Fargo Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX 

Upon careful review of my credit report, I have identified hard inquiries from these institutions that I did not authorize, initiate, or consent to. These inquiries have directly contributed to a lowered XXXX XXXX, impacted my creditworthiness, and interfered with my ability to access legitimate financial services through proper channels. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681b ], a hard inquiry can only be placed on a consumers credit file with the consumers explicit authorization and permissible purpose. The aforementioned institutions have failed to meet that threshold. At no point did I submit a written or electronic application, nor did I verbally authorize these institutions to pull my credit. 

Furthermore, under Mississippi state law ( XXXX. XXXX XXXX. XXXX ) and federal consumer protections, financial institutions are required to ensure all credit-related actions are based on lawful, verified, and consensual activity. These institutions failure to obtain valid consent before performing credit inquiries may constitute negligent or willful violations of my consumer rights.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud.

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: 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: GA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX XXXX XXXX XXXX GA XXXX INQUIRIES : XXXX XXXX Date : XX/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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 4 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 : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : 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 : {$150.00} INQUIRIES XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/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 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: EQUIFAX, INC.
State: MD

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX XXXX XXXX XXXX MD XXXX INQUIRIES : XXXX  Date : XX/XX/24

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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. The Credit Reporting Agencies NOT Bureaus ( Experian, XXXX XXXX XXXX ) are buying, selling and trading my information for monetary gain without my 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 2025-07-21 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: MD

Complaint narrative:
I am a victim of identity theft. The Credit Reporting Agencies NOT Bureaus ( XXXX Equifax, and XXXX ) are buying, selling and trading my information for monetary gain without my consent.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of identity theft. The Credit Reporting Agencies NOT Bureaus ( XXXX XXXX, and TransUnion ) are buying, selling and trading my information for monetary gain without my 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 non-monetary relief