vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CT

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I sent a letter to Credit Corp Solution requesting debt validation. I sent it on XX/XX/XXXX as per my right under the Fair Debt Collection Practices Act 15 U.S.C. 1692g and California Civil Code 1788.17, I requested specific information regarding the debt you claim I owe, including the amount, the name of the original creditor, and proof of your right to collect the dedt. As of today 's date, I have not received the requested information. Their failure to provide the necessary validation means that I am not obligated to pay the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., Miller v. Equifax $ 18.6M ; Thomas v. TransUnion XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 
XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
b"XXXX XXXX XXXX XXXX, VA 2XXXX XXXX XXXX\n\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX, DC XXXX\n\nSubject: Complaint Regarding Data Breach and Violations of FCRA  XXXX XXXX XXXX XXXXn\nDear CFPB Representative,\n\nI am writing to formally file a complaint regarding a data breach involving my personal information that has impacted my credit file(s) with the three major credit reporting agencies: Equifax, Experian, and TransUnion.\n\nI have reason to believe that my sensitive personal informationsuch as my Social Security number, credit data, and identifying informationwas accessed or used without authorization, constituting a serious breach of privacy and security. I suspect the breach may be the result of negligence on the part of one or more of these credit reporting agencies in securing consumer data, which I believe is in direct violation of provisions outlined in the Fair Credit Reporting Act (FCRA), codified under XXXX XXXX XXXX XXXX.\n\nSpecifically, I cite the following relevant portions of the FCRA:\n\nXXXX XXXX XXXX XXXX(b)  which states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer regarding confidentiality, accuracy, relevancy, and proper utilization of such information.\nXXXX XXXX XXXX XXXX  requiring credit bureaus to maintain reasonable procedures designed to avoid violations of the Act and to limit the furnishing of consumer reports to purposes listed under  XXXX XXXX XXXX XXXX and XXXX  giving consumers the right to place fraud alerts and security freezes on their credit reports to prevent unauthorized access.\nDespite my efforts to communicate directly with these agencies to investigate and remediate the issue, I have encountered delays, vague responses, and insufficient transparency. As a result of the breach, I have suffered anxiety, potential exposure to identity theft, and the burden of taking extensive precautions to safeguard my financial security.\n\nI respectfully request the CFPB to:\n\nInvestigate the handling and protection of my personal data by Equifax, Experian, and TransUnion.\nDetermine whether these agencies violated any provisions of the FCRA, specifically under XXXX XXXX XXXX XXXX.\nEnforce appropriate actions, fines, or corrective measures to ensure compliance and consumer protection.\nEnsure that I am fully informed of the results of any such investigation and offered a resolution or remedy as appropriate.\n\nThank you for your attention to this serious matter. I appreciate the Consumer Financial Protection Bureau's continued efforts in protecting consumer rights.\n\nSincerely,\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
b"XXXX XXXX XXXX XXXX, VA 2XXXX XXXX XXXX\n\nConsumer Financial Protection Bureau\nXXXX XXXX XXXX, DC XXXX\n\nSubject: Complaint Regarding Data Breach and Violations of FCRA  XXXX XXXX XXXX XXXXn\nDear CFPB Representative,\n\nI am writing to formally file a complaint regarding a data breach involving my personal information that has impacted my credit file(s) with the three major credit reporting agencies: Equifax, Experian, and TransUnion.\n\nI have reason to believe that my sensitive personal informationsuch as my Social Security number, credit data, and identifying informationwas accessed or used without authorization, constituting a serious breach of privacy and security. I suspect the breach may be the result of negligence on the part of one or more of these credit reporting agencies in securing consumer data, which I believe is in direct violation of provisions outlined in the Fair Credit Reporting Act (FCRA), codified under XXXX XXXX XXXX XXXX.\n\nSpecifically, I cite the following relevant portions of the FCRA:\n\nXXXX XXXX XXXX XXXX(b)  which states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce in a manner that is fair and equitable to the consumer regarding confidentiality, accuracy, relevancy, and proper utilization of such information.\nXXXX XXXX XXXX XXXX  requiring credit bureaus to maintain reasonable procedures designed to avoid violations of the Act and to limit the furnishing of consumer reports to purposes listed under  XXXX XXXX XXXX XXXX and XXXX  giving consumers the right to place fraud alerts and security freezes on their credit reports to prevent unauthorized access.\nDespite my efforts to communicate directly with these agencies to investigate and remediate the issue, I have encountered delays, vague responses, and insufficient transparency. As a result of the breach, I have suffered anxiety, potential exposure to identity theft, and the burden of taking extensive precautions to safeguard my financial security.\n\nI respectfully request the CFPB to:\n\nInvestigate the handling and protection of my personal data by Equifax, Experian, and TransUnion.\nDetermine whether these agencies violated any provisions of the FCRA, specifically under XXXX XXXX XXXX XXXX.\nEnforce appropriate actions, fines, or corrective measures to ensure compliance and consumer protection.\nEnsure that I am fully informed of the results of any such investigation and offered a resolution or remedy as appropriate.\n\nThank you for your attention to this serious matter. I appreciate the Consumer Financial Protection Bureau's continued efforts in protecting consumer rights.\n\nSincerely,\nXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I opened a credit card with US Bank at this link : ( https : //www.usbank.com/credit-cards/bank-smartly-visa-signature-credit-card.html ). The offer has in big bold letters low intro APR for the first 12 billing cycles. I was approved for the card, but two months later the bank is telling me I don't get the offer that is clearly stated on the webpage and is charging me interest. This feels like a bait and switch with a credit card offer. I've attached the credit card offer below. It is still available and advertised with the intro rate offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

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

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

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

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

Sincerely, XXXX XXXX XXXX, TX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I was getting care loan for used car. When I called bank they told me me on my credit report something inappropriate written and amount was also disputed but never resolved it was XXXX  credit reporting company I was never informed about it when I tried to call no one picked up up phone unable to complain. 2nd was XXXX  I was charged to get report I noticed two items wrongly reported One was XXXX  and some XXXX  but I never received item I asked XXXX XXXX  who did they paid this amount they failed to tell me address I dispute they started over charging a threatening to report XXXX  never notified me when I was chatting reporting the locked my account other charges with XXXX  was also charged without my permission on web site. Barely operated from XXXX  and they do not write what you say barely paid company without my agreement Due to these charges my application for loan was denied My housing application denied I feel discriminated

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
his account was opened with XXXX XXXX in XX/XX/XXXX and was paid in full, with the last reported activity in XX/XX/XXXX. There has been no balance or negative payment history, and the account was marked as dispute resolved by both Experian and TransUnion. 

However : TransUnion still reports the account as Open and Terminated, which is contradictory. 

Experian reports it as Closed, but also as Terminated. 

The dispute comment remains on both reports despite being resolved nearly 4 years ago. 

XXXX  does not show full data, creating further inconsistency. 

I have taken no action on this account since XXXX, and I believe this reporting may be outdated or inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation