vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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:
Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
here is the item i am asking you to verify as accurate : Account Name : 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 explanation
Consumer complaint received 2025-05-08 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: American First Finance, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against American First Finance for continuing to report and collect on an account that was fraudulently opened in my name. I submitted a claim of identity theft and provided a dispute notice per FCRA 611 and 609 ( e ), but American First Finance failed to provide any documentation verifying I opened the account.

I requested verification such as a signed contract, IP address, device information, or any direct communication proving my involvement. They responded with a generic statement claiming the account is valid without providing any supporting evidence. 

Additionally, this account has already been removed from my XXXX  credit report, further supporting that it is inaccurate. However, it still appears on XXXX, damaging my credit and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX is reporting a medical collection ( Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) without validating the debt. 
I requested : HIPAA-compliant records IRS filings Service agreement with signature Proof of harm or standing Full accounting under UCC 9-210 Under FDCPA and FCRA, they are required to validate this debt before furnishing it to any credit bureau. 

Their failure to do so is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am submitting this complaint against Navy Federal Credit Union concerning their failure to verify, correct, or remove account XXXX XXXXXXXX from my credit report. I formally disputed this account in writing on XX/XX/year>, and Navy FCU has neither responded with any documentation nor removed the derogatory entry, as required by law. 

The information remains on my credit report inaccurately, and Navy FCU has not provided a method of verification or proof of my obligation to this debt. The account is affecting my credit score and restricting my access to essential financial opportunities.

Violations Identified : XXXX FCRA 623 ( a ) ( 8 ) : Failure to Investigate Direct Dispute I sent a written dispute directly to Navy FCU requesting documentation and verification.

Navy FCU has failed to respond within the required 30-day window or provide any evidence to support the accounts accuracy. 
XXXX. FCRA 1681s-2 ( a ) : Furnishing Inaccurate Information The tradeline remains with inaccurate payment status and history despite being challenged. 
No corrected information has been furnished to credit bureaus. 
XXXX. FCRA 1681e ( b ) : Failure to Maintain Maximum Possible Accuracy The account data lacks sufficient verification or current status accuracy. 
Navy FCU has failed to meet its duty to ensure the reported information is complete and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I would like all bank statements that was in my name for the past 7 years been told I already had a account and I dont have access to it and cant open a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
Please review this complaint carefully, as it was not sent by mistake. My report appears to contain mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is very concerning and is causing me significant stress and 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 2025-05-08 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: NC

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
According to theprovisions of the FCRA 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my creditreport as the mere reporting of items prior to debt validation constitutes collection activity.

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 2025-05-08 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: LA

Complaint narrative:
I am sending to formally address a late payment reported on my credit file for the accounts listed above. The late payment appears on my credit report and is negatively affecting my creditworthiness. I respectfully request a review and correction of this late payment under the applicable provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX I was working a very busy XXXX XXXX XXXX while my XXXX account was being hacked into. They managed to send themselves {$750.00} from my linked U.S. Bank debit card. I was locked out of my XXXX account and all my credentials were wiped, and XXXX was unable to help me access or delete my account altogether. The U.S. Bank Fraud Liason said that she could see it was clearly fraud as they had tried to deduct amounts starting at {$4000.00} and continued to go lower until they were able to take the exact amount in my bank account. I was told that I would get a credit of {$750.00} while they investigated, I never did. I followed back with U.S. bank on the phone, and then again in a local branch where I was told they were calling someone to get information and I would get a call back that day. I never got a call back. Today, XX/XX/XXXX, I called again and was told that they deemed the {$750.00} charge not fraudulent and then proceeded to drop me as a client altogether. They are the only banking institution Ive ever had, and as a good cardmember with minimal issues, I have no idea why they would be so negligent in this case, but {$750.00} is costing me a lot more right now. I had put the entire amount towards bills that wouldnt go through until the following Monday ( XX/XX/XXXX ), leaving me about - {$500.00} until recently, when they severed the relationship. I had no idea that I could be going through something like this with a federally backed program, and I feel like justice needs to be served somehow. I am a hardworking XXXX XXXX XXXX and I trusted U.S. Bank to protect me, and now I cant buy groceries until I get paid 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX XXXX  - Date Opened XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-05-08 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: OH

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them.

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 2025-05-08 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Complaint Regarding Unverified Accounts and Failure to Validate Debts Request for Full Reinvestigation and Removal To Whom It May Concern : I am filing this formal complaint against XXXX and the following debt collection companies : Portfolio Recovery Associates ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) These accounts are currently reporting negatively on my credit file with XXXX. I am disputing these accounts for the following reasons : 1. No Validation of Debt Provided Despite requesting validation from each of these debt collectors, I have never received any proof of the alleged debts, including : A signed contract or agreement showing I am responsible for the debt A full accounting of the debt The name and address of the original creditor This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ), which requires debt collectors to provide validation upon request. 

2. No Knowledge or Agreement to These Accounts I do not have any knowledge of these alleged accounts. I have never entered into any agreement with these companies, and I dispute the accuracy and legitimacy of all three accounts.

3. Failure by XXXX  to Properly Investigate XXXX  is reporting these accounts without confirming their accuracy. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable reinvestigation when an account is disputed Delete or correct any unverifiable or inaccurate information within 30 days Despite my previous disputes, XXXX has failed to either verify or remove these accounts. No documentation has been sent to confirm that any reasonable investigation took place. 

Requested Relief : That XXXX  initiate a new and thorough reinvestigation of each of the three disputed accounts That Portfolio Recovery Associates, XXXX XXXX XXXX, and XXXX XXXX XXXX be required to validate the debts with complete documentation or remove the accounts That all unverifiable and inaccurate information be permanently deleted from my XXXX  credit report That all findings of the investigation be sent to me in writing Legal Reference Summary : FDCPA ( 15 U.S.C. 1692g ) : Requires debt collectors to validate debts upon request FCRA ( 15 U.S.C. 1681i ) : Requires credit bureaus to reinvestigate disputed information and remove unverifiable data FCRA ( 15 U.S.C. 1681e ( b ) ) : Requires credit bureaus to ensure maximum possible accuracy of the information they report I expect full compliance with the law, and I request the CFPB to assist in ensuring that my rights are not violated by either the data furnishers or the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Complaint Regarding Unverified Accounts and Failure to Validate Debts Request for Full Reinvestigation and Removal To Whom It May Concern : I am filing this formal complaint against XXXX  and the following debt collection companies : XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX ( Account # XXXX ) Credit Collection Services ( Account # XXXX ) These accounts are currently reporting negatively on my credit file with XXXX. I am disputing these accounts for the following reasons : 1. No Validation of Debt Provided Despite requesting validation from each of these debt collectors, I have never received any proof of the alleged debts, including : A signed contract or agreement showing I am responsible for the debt A full accounting of the debt The name and address of the original creditor This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ), which requires debt collectors to provide validation upon request. 

2. No Knowledge or Agreement to These Accounts I do not have any knowledge of these alleged accounts. I have never entered into any agreement with these companies, and I dispute the accuracy and legitimacy of all three accounts.

3. Failure by XXXX  to Properly Investigate XXXX  is reporting these accounts without confirming their accuracy. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to : Conduct a reasonable reinvestigation when an account is disputed Delete or correct any unverifiable or inaccurate information within 30 days Despite my previous disputes, XXXX  has failed to either verify or remove these accounts. No documentation has been sent to confirm that any reasonable investigation took place. 

Requested Relief : That XXXX  initiate a new and thorough reinvestigation of each of the three disputed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Credit Collection Services be required to validate the debts with complete documentation or remove the accounts That all unverifiable and inaccurate information be permanently deleted from my XXXX credit report That all findings of the investigation be sent to me in writing Legal Reference Summary : FDCPA ( 15 U.S.C. 1692g ) : Requires debt collectors to validate debts upon request FCRA ( 15 U.S.C. 1681i ) : Requires credit bureaus to reinvestigate disputed information and remove unverifiable data FCRA ( 15 U.S.C. 1681e ( b ) ) : Requires credit bureaus to ensure maximum possible accuracy of the information they report I expect full compliance with the law, and I request the CFPB to assist in ensuring that my rights are not violated by either the data furnishers or the credit reporting agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-08 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: GA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax block and remove the following fraudulent and unauthorized account from my consumer credit report within four business days of receiving this complaint. Additionally, I am disputing the validity of this account under FCRA Section 611 ( 15 U.S.C. 1681i ) and requesting a full reinvestigation as mandated by federal law.

The fraudulent account currently appearing on my credit file is : An auto loan account with XXXX XXXX XXXX opened on XX/XX/year>, with a balance of {$14000.00} In accordance with FCRA Section 611, I demand that Equifax provide detailed information regarding the reinvestigation process, including the method of verification and physical documentation used to determine the accuracy of this account. Failure to supply such evidence constitutes prima facie proof of false and unlawful reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
These student loans have been reporting on my credit for over XXXX years it should be deleted from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief