vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: NJ

Complaint narrative:
I am writing to formally dispute certain inaccurate and fraudulent items currently reported on my credit file due to identity theft. I did not authorize or open the accounts in question, nor was I responsible for the charges or late payments associated with them. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information I believe to be the result of identity theft. The following items on my credit report are fraudulent and must be removed immediately : I demand that these fraudulent items be removed from my credit report as soon as possible. Please also block any further reporting or collection activity related to these accounts under section 605B of the FCRA.

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 2025-06-12 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: NY

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance un

der 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. These accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused
why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, CT XXXXEmail : XXXX Date : XXXX XX/XX/2025 Equifax Credit BureauXXXX. XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate and Unauthorized Accounts under FCRA ( 15 USC 1681 et seq. ) Dear Equifax Dispute Department, I am writing to formally dispute certain information on my credit report, which I believe to be inaccurate and unauthorized. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these items be investigated and removed if found to be incorrect or unverified. 

My full name is XXXX XXXX XXXX, and my Social Security number ( last four digits ) : XXXX. My credit report shows the following accounts that I did not authorize, do not recognize, and have no knowledge of : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXAmount : $ XXXXStatus : As of XX/XX/2025 2. Cell Phone - XXXX XXXXAmount : $ XXXXAccount number : XXXXStatus : As of XX/XX/2025 3. Cell Phone - XXXX XXXXAmount : $ XXXXAccount number : XXXX : As of XX/XX/2025 XXXX. XXXX Account - XXXX XXXX XXXXAmount : $ XXXXAccount number : XXXX I want to clarify that I did not authorize these accounts nor give permission for my credit to be run or reported. These entries are completely unauthorized and are negatively impacting my credit health and personal life. 

Additionally, I want to address the XXXX XXXX account. I noticed that I was billed over {$300.00}, although I was initially told I would be around $ XXXX $ XXXX  monthly. I have repeatedly asked XXXX about this discrepancy, but I received no clear explanation. I am concerned that this account was added without my consent, and I am requesting its removal. 

I kindly ask that you conduct a prompt investigation into these accounts and remove any items that can not be verified as authorized by me. I am including copies of my identification and proof of residence for your verification. 

Please notify me of the results of your investigation and confirm the removal of these unauthorized accounts from my credit report. Your immediate attention to this matter is greatly appreciated. 
Thank you for your cooperation. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I wanted to receive my SCRA benefits for being XXXX XXXX. Given I am an XXXX XXXX service member under the SCRA I shouldnt be charged more than 6 % by federal law. The credit card company has not been helpful with providing me the guidance to achieve this goal of lowering my monthly interest rate with reimbursement that I have paid in the past.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is currently reporting inaccurate personal information on my credit filespecifically, a previous address that I do not recognize, have never lived at, and have no legitimate connection to. The address in question is XXXX XXXX XXXX, XXXX XXXX, CA XXXX, with a reported date of XX/XX/year>. This entry is entirely false and misleading. 

To clarify, my only and current address is XXXX XXXX XXXX # XXXX - The XXXX, XXXX, CA XXXX, and has been my sole residence. I have never resided at the XXXX XXXX address in XXXX XXXX, and its presence on my credit report is either the result of a data mix-up, a reporting error by a third party, or a failure on Experians part to verify the information before including it in my consumer file.

This type of error is not trivial. Inaccurate personal informationespecially relating to residencycan lead to the misassociation of accounts, misattributed debt, and even identity confusion across credit, employment, insurance, and housing evaluations. Experian is obligated under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. The presence of an entirely false address violates this standard and reflects a failure to properly validate the data prior to publication.

In addition, once a consumer disputes such information, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires the credit bureau to conduct a timely and reasonable reinvestigation. If the disputed information can not be verified as accurate, complete, and attributable to the consumer, it must be deleted or corrected under 15 U.S.C. 1681i ( a ) ( 5 ).

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 2025-06-12 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: GA

Complaint narrative:
I am filing this complaint against TransUnion LLC for continuing to report inaccurate and unverified negative information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

I formally disputed the following accounts and inquiries : XXXXXXXX XXXX Account # ... XXXX ( Late Payments ) XXXX XXXX XXXX ( Collection Account ) XXXX Inquiry dated XX/XX/XXXX XXXX  Inquiry dated XX/XX/XXXX I submitted an initial dispute via certified mail which was delivered XX/XX/XXXX @ XXXXXXXX XXXX and picked up at the postal facility. TransUnion responded that the above items were verified, but did not provide any documentation, contact information, or evidence of a proper investigation. I then submitted a Method of Verification ( MOV ) request in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and received no response within the 15-business-day legal timeframe. The letter was mailed certified on XX/XX/XXXX and was delivered and picked-up on XX/XX/XXXX @ XXXX EST. 

According to the FCRA, information that can not be verified must be deleted ( 15 U.S.C. 1681i ( a ) ( 5 ) ), and credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). TransUnion has failed on both accounts.

Additionally, the reporting of the late payments may be in violation of 15 U.S.C. 1666b ( Truth in Lending Act ), which mandates a minimum 21-day grace period before a payment can be considered late. I have not received any proof that this grace period was respected. 

The two hard inquiries from XXXX were unauthorized, and I never consented to these pulls. Under the FCRA, only inquiries with explicit consumer authorization may be reported. TransUnion has not provided any signed application, written consent, or evidence of my permission.

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 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
Our HOA insurance is XXXX dollars short. My lender has put a policy on me for that amount that cost XXXX per year. But they are charging me XXXX. Their insurance people have told me they have my personal policy on file do not have another insurance policy on me except the one that is XXXX per year. They will not quit charging me. I {$3600.00} last year and did not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 recently reviewed a copy of my credit report and was Shocked to find I had been the victim of identity theft I do not recognize this account please remove this from my credit 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kramer & Frank, P.C.
State: AR

Complaint narrative:
I am writing to provide a formal update and clarification regarding my recent communications and attempted resolution of the matter involving the lawsuit filed against me by XXXX XXXX XXXX on XX/XX/year>. 

Following the receipt of a letter from an attorneys office soliciting legal representation, I contacted the County Clerks Office, which confirmed the existence of the lawsuit. I was advised to reach out directly to the representing firm to discuss potential arrangements. 

On XX/XX/year>, I contacted Kramer & Frank LLC and spoke with a collections administrator regarding setting up a payment arrangement. I was informed that such an arrangement could not be made unless I signed documentation agreeing to a fixed monthly payment amount. I requested that the documents be emailed to me for review prior to signing. The administrator acknowledged this and stated she would draft and send the necessary documents. I received the documents on XX/XX/year>. 


On XX/XX/year>, I received a follow-up call regarding the unsigned documents. During this call, I explained that I would not sign the agreement due to discrepancies in the terms presented. Before I could make further contact, I received a letter from Kramer & Frank LLC indicating that I had failed to make the agreed payments, and as a result, all payment agreements had been canceled. However, the correspondence also stated that the firm was still willing to work with me.

I want to clarify that I never signed any agreement due to unresolved discrepancies in the documentation sent on XX/XX/year>. 



On XX/XX/year>, I contacted the collections administrator again and expressed my willingness to pay the total balance in full. I requested formal documentation from Kramer & Frank LLC confirming that upon receipt of full payment via certified cashiers check, the case would be dismissed without prejudice. I also requested that the agreement be signed by both parties and that my copy be notarized and sent with the certified cashier 's check.

I was informed this request would need to be reviewed by an attorney. I followed up on XX/XX/year>, and was informed that the request could not be honored. At that time, I asked if I could submit a drafted agreement outlining my payment letter of intent to pay in full, with the stipulation that the case be dismissed without prejudice upon receipt of the funds and properly executed documents mailed certified. 
I sent a revised copy of this proposed agreement on XX/XX/year>, and am currently awaiting a response. 
I am making a good-faith effort to resolve this matter in a way that is mutually agreeable and properly documented. I remain willing to pay the full amount owed upon written confirmation of the terms outlined above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was called on XX/XX/XXXX from Wellsfargo Fraud Department notifying me of unusual activity on my business account. No personal information was exchanged. Notification sent to my phone to verify number. I confirmed and said these transactions were not made by me. It was related to XXXX XXXX or XXXX XXXX. After getting off the phone, I received notification via phone push notifying me of cash app transactions. I called WellsFargo and verified recent activity and the last purchase I made. There were several XXXX XXXX transfers and cash app transfers not recognized. I notified them of earlier phone call and they said nobody called me. All accounts were frozen and fraud alert placed. I contacted XXXX regarding access to my XXXX  account and being locked out of account and notified them of transactions being made with my account and couldn't get into XXXX  account. XXXX support notified me of computer/phone and anything linked to XXXX accounts were compromised and I could not get back into that account as the number was changed. On XX/XX/XXXX, I went into a WellsFargo branch as I had no mobile access and accounts were frozen. XXXX XXXX from XXXX XXXX and XXXX printed transactions on my accounts and notified me of all accounts being compromised and that I needed new account numbers on my business checking, savings, my personal checking, and my joint checking and new cards would be mailed. I again confirmed the last transactions made by me and verified many transfers that were not authorized. She called the fraud team and account takeover. New accounts were made and several confirmation codes were given for investigation on unauthorized transactions. In the meantime, I received several notifications from Wellsfargo of suspicious activity on all accounts and that my accounts were suspended until I went to a branch ( already done ). One claim came back resolved and money was recovered. This amounted to around {$12000.00}. The other claim disputed in the amount of over {$15000.00} was denied. I called the claims department and they notified me that the claim already closed and I would not be able to recover the money. I said I wanted to appeal the decision as these transactions were not made by me and they said there was nothing they can do. I need the money recovered and the claim approved as these transactions were disputed and there is proof of unusual activity they detected, yet didn't approve the 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 explanation
Consumer complaint received 2025-06-12 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: KS

Complaint narrative:
XXXX  is reporting unauthorized inquiries as follows : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Show me auto. 
Experian is reporting unauthorized inquiries as follows : XXXX XXXXXXXX inquiries from them. XXXX XXXX XXXX XXXX. Please remove all of these unauthorized inquiries.

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 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
RobinHood issued me a check on XX/XX/year>XXXX  for {$1500.00}. I took the check to XXXX XXXX, the issuer, and they took the check like they were going to cash it, then said the check could not be cashed because of the type of account it was. I then attempted to cash the check at my bank, and they said the check could not be cashed and said, for security reasons, the check had to be cashed through XXXX. I then attempted to use them, and after going through their verification process, the check now says that it was cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
Equifax is currently reporting late payment entries on my credit file that I dispute as inaccurate, incomplete, and harmful. Specifically, the accounts in question are XXXX XXXXXXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), with a reported late payment on XX/XX/XXXX and a current past due balance of {$0.00} ; and XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), with a reported late payment on XX/XX/XXXX, despite the account being closed or paid in full with a XXXX balance. 

These entries are not only outdated or misleadingthey misrepresent my actual financial standing and undermine the credibility of my credit profile. The XXXX XXXXXXXX account is clearly no longer delinquent, as the balance marked past due is {$0.00}, yet it continues to carry a derogatory status. Likewise, the XXXX XXXX account is a closed or paid account from nearly a decade ago, with no outstanding debt or delinquency, yet Equifax still reports a negative payment history associated with it. 

Such reporting violates the core principles of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the data they include in consumer reports. Reporting a late payment on an account with no current delinquency or financial obligation is neither accurate nor fair. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to reinvestigate disputed items in a timely and reasonable manner, and under 1681i ( a ) ( 5 ), must delete or correct any information that can not be verified or is incomplete.

I have not been provided with any original, verifiable documentation that substantiates the continued reporting of these late payment notations. I have not received detailed account histories, payment records, or legal justification for why these derogatory marks should remain on my report given the {$0.00} balance status of both accounts. In the absence of such verification, these entries appear to be based on stale or improperly maintained data that fails to meet the FCRAs standard of accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
b"REPORTING INFORMATION ON A CONSUMER'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I \nDID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER \nREPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNTS FROM MY CONSUMER REPORT NO LATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE \nPROVIDEDXXXX  ACCOUNTS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief