vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance. 
Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX Supreme Court upheld a class-action lawsuit against XXXX for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Md. XXXX ) XXXX XXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX Fed XXXX XXXX. XXXX ( XXXX Cir. XXXX ) Equifax was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
XXXX. CFPB Enforcement Action against XXXX ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined XXXX {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( XXXX ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences. Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I did not open an account with this company. My ex husband has opened several credit cards and loans in my name and I have been working for years to get them removed. Please remove this from my credit as this is not my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) mandates that all consumer reporting agencies, including credit bureaus like XXXX, Experian, and TransUnion, report accurate and fair information on a consumer 's credit history. Specifically, it requires them to report information in a timely manner, and it gives consumers the right to dispute and correct any errors on their credit reports. Further more, all inacuracies, must be delete and or removed from the comsumer credit file. 
Here is a confirmation from XXXX itself that they do report to all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Back to XXXX Welcome! 
A place where you can easily find solutions and ask questions CREDIT BUILDER ACCOUNT Does XXXX  report to all three credit bureaus? 
XXXX XXXX, XXXX Yes, we report each month to the three major credit bureaus : Experian, XXXX, and TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see XXXX XXXX XXXX However, in this case, we are witnessing an inaccuracy in that there is no 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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union has reported a 30-day late payment for XX/XX/year> on my account, when in fact the delinquency did not exceed 30 days. This inaccurate reporting has negatively impacted my credit and is in violation of the Fair Credit Reporting Act ( FCRA ), FDCPA, XXXX XXXX, and XXXX guidelines . I submitted a formal dispute and requested documentation and reinvestigation. However, Navy Federal failed to provide any proper investigation results or verification records. 

Under 15 U.S.C. 1681s-2 ( a ) and ( b ), data furnishers must report only accurate, complete, and verifiable information, and upon receiving a dispute, they are required to conduct a reasonable reinvestigation within 30 days. This was not done. 

I am requesting the CFPB ensure Navy Federal deletes the inaccurate 30-day late payment and conducts a full and compliant reinvestigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: FL

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681 XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  ACCOUNT XXXX DEPT OF ED/XXXX  ACCOUNT XXXX DEPT OF ED/XXXX ACCOUNT XXXX DEPT OF ED/XXXX  ACCOUNT XXXX DEPT OF ED/XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX  XXXX ACCOUNT XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 





CORRECTION TO MY REPORT DELETE ALL UNAUTHORIZED FRAUDULENT ACCOUNTS.

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NC

Complaint narrative:
I opened a US Bank personal bank account with XXXX XXXX, at the XXXX branch in XXXX with a promotion. The account information sheet which had my routing/account number was used for my SSA, and it was bounced out. Online banking informed me over multiple call in 10 days that the account did not exist. 
Then, I received a call from deposit operations that I was confirmed, and the account was opened. 
Then my account was frozen on XXXX XXXX, XXXX, the day before my SSA deposits went through. SSA informed me that they were returned under the code " frozen account. '' I sent in my state id, SS card, and passport.

I was told it was unlocked, then it was froze again, causing my SSA payments to be returned once more. I called XXXX, and he called deposit services, and he, and I were confused as to why they asked for the same documents that I had already sent. 
You were supposed to have 90 days for the promotion, and after 3x calls to SSA, and 7+ hours on the phone, I had to beg them to try this account once more, as the XXXX, XXXX payment bounced out, as well. So they had to do a lump sum of over {$5.00}, in the middle of Feb.. 
I have had no issues since then, but I should receive my promotional bonus of {$450.00}, as I made good faith efforts.

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 monetary relief
Consumer complaint received 2025-04-14 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: NY

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report even after your initial investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX account # XXXX In accordance with the The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.

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 2025-04-14 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: NY

Complaint narrative:
I am writing to formally request a immediate deletion of inaccuracies on my credit report, as the data persistently fails to meet the accuracy requirements set forth by the fair Credit Reporting Act, specifically under 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681s-2. This demand for deletion stems from your failure to accurately report my consumer credit information following a previous notice of these discrepancies. 

Account Information for Deletion : XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX. XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: OH

Complaint narrative:
3 years ago I gave my XXXX XXXX XXXX daughter a XXXX. I had to put her mothers name secondary on the title because she lived with her and she had to get insurance where she lived. Now 3 years later we have found out that her mother XXXX XXXX got a title loan on my daughters car and has yet to make a payment. They said my XXXX XXXX XXXX gave permission for the loan to go through. How can a XXXX XXXX XXXX sign a legal binding contract loan? Isnt that illegal? Now Ive contacted Wilshire consumer credit in California because they have the title. I want to pay off this loan so my daughter can once again own her car free and clear. XXXX wont let me pay this loan off because its not in my name. Any help is greatly appreciated. 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer XXXX XXXX XXXXXXXX XXXX  XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer XXXX XXXX XXXX XXXX XXXX file disputing the accuracy or completeness of the disputed information. 


XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX Tx. XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It XXXX Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. 
Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX Thank You!

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 2025-04-14 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 disputing the accuracy of the XXXX  loan information reported on my credit file due to a potential violation of my privacy rights under FERPA. My personal and financial information may have been compromised during a recent data breach, and I am concerned that this compromise invalidates my consent to report or service the loan. As a result, I request that this loan account be removed from my credit report.

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All collections on credit report are false and should be removed as it has been listed in identity theft report

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 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
During my time in college, I unfortunately became the victim of identity misuse. My personal information was compromised and used without my knowledge or consent. As a result, XXXX unauthorized and fraudulent deposits were made into my account. I understand the seriousness of this matter and want to emphasize that I did not initiate or benefit from these transactions. As a student managing both academic and financial responsibilities, this experience was deeply unsettling.And as a result I havent been able to open, a checking account with Citi bank. While this has been deeply troubling, I have since taken steps to secure my identity and am committed to ensuring that such incidents do not happen again.

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 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a false late payment reported for XX/XX/XXXX on my mortgage account with XXXX XXXX XXXX XXXX XXXX This account was under a federal disaster/government plan from XX/XX/XXXX to XX/XX/XXXX, during which no delinquencies should have been reported. 

Despite submitting a formal dispute, the account was verified without correction. This violates FCRA 623 ( a ) ( 1 ) ( A ), 611 ( a ), 1681s-2 ( b ), and Metro 2 guidelines. It also violates TILA 1637 ( b ) for failing to provide a billing notice 21 days prior to due date.

I am invoking my right under FCRA 605B and have attached a full dispute letter, sworn affidavit, declaration of harm, and supporting documents. 

I am demanding deletion of the XX/XX/XXXX late payment or the entire account. If this is not resolved, I will pursue full damages in court. 

This complaint is specific to this account only. It is filed in good faith.

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