vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NY

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

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 explanation
Consumer complaint received 2025-07-09 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint against U.S. DEPT OF ED/XXXX regarding the inaccurate, unverifiable, and improperly reported tradeline associated with Account Number ending in XXXX, listed as opened on XX/XX/year>, and reflecting a balance of {$870.00}. This account appears on my credit report with XXXX, yet I have received no recent disbursements, billing statements, or supporting documentation to verify the existence or accuracy of this balance. Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers are required to report only accurate and complete information. The lack of verifiable evidence raises serious concerns about the integrity of your furnishing practices.

Furthermore, this tradeline was reported without any permissible purpose, as outlined under FCRA 604 ( a ). I have not applied for or received any services or benefits from your agency that would justify the furnishing of my consumer data to any credit reporting agency. The continued reporting of this account, without my knowledge, consent, or benefit, violates my rights as a consumer and constitutes unauthorized disclosure of personal financial information. Additionally, the tradeline contains technical deficiencies and formatting issues that violate Metro 2 compliance standards, including date irregularities and nonstandard status codes. This improper reporting compromises the integrity of automated dispute processing and directly impacts my credit score and profile.

Despite previous disputes filed with TRANSUNION regarding this account, no documentation or lawful validation has been provided by your office to confirm the legitimacy or accuracy of this tradeline. The failure to respond appropriately or provide verifiable proof of liability constitutes a violation of FCRA 1681i ( a ) ( failure to investigate ) and FCRA 623 ( a ) ( reporting inaccurate or unverifiable information ). If this tradeline is being reported in error, or as a result of identity theft or administrative misreporting, your continued furnishing of this data is not only misleading but may also subject your agency to liability under FCRA 616 and 617, which impose civil penalties for willful and negligent noncompliance, respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
I had a recent fraud/dispute with XXXX in which I filed a complaint with the FCC as well as disputed the charge with my bank. I filled out my paperwork and took it in person to a local branch in which the teller faxed over the documents while I was there. US Bank now claims I never did this despite the same teller calling in today and telling them he himself faxed them over and that indeed I had done the paperwork in time. 

On the same day, without any notice... US Bank put a lock on my account and closed it without informing me nor giving me my funds back. 

I went in person to a local branch and also spent about 2 hours on the phone with the bank, in which a supervisor confirmed I have not committed any type of fraud or broken any rules with US Bank. I have emails from the FCC and XXXX confirming my refund through XXXX and I even contacted US Banks fraud department to let them know I won my complaint. The supervisor then tried to undo the closing of my account and reverse the lock since I have not broken any rules but said for some reason she was not able to do so. She transferred me to the fraud department and I was told I was flagged for risk. No other information. No release of my money. 

I am moving in 8 days to XXXX   from XXXX  and will not have the same address any longer. I am poor and need my funds back for the move. Again, I was not notified nor am I being given any information on why this is happening. I was only told it can't be a coincidence that the XXXX dispute letter came at the same time as the account closure. ( which i found out about the hard way ) I gave the bank teller in person a revised address for US Bank to send my funds and they also refused to even do that. So now US Bank says they will send a cashier 's check but refuses to tell me how much and when to expect it other than 7 days or more. 

I will be on a train to XXXX  at that time and have no way of retrieving it. They refuse to help me in any way. Again, I have not broken any of their rules, do not have any checks for writing, and only made withdraws, deposits, and payments with the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I noticed in my checking account that {$100.00} had been taken on XX/XX/year> through Venmo. I then opened my Venmo  account and saw that a transaction of {$100.00} to moon pay had been completed without my consent. I called Venmo to dispute this transaction and while on the phone, discovered that someone had gotten into my account and changed my profile name and added another phone number that I do not recognize. Venmo then instructed me on how to reset my password and profile information and created a dispute on my behalf. Around XX/XX/XXXX, I noticed that the dispute had been listed on Venmo as resolved and denied. They claim that this transaction coincides with my history but I have never sent money to moon pay and want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable late payment ( s ) being reported on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as furnished to one or more credit reporting agencies Equifax. Despite multiple attempts to resolve this matter directly, the information continues to be reported without legally sufficient validation and in clear violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards.

Details of Violation : The alleged late payment ( s ) have been disputed in writing to both the credit bureaus and the original furnisher.

Neither party has provided any of the federally required supporting documentation, including : Advance billing statements showing 21-day notice prior to delinquency ( TILA requirement ). 

Full payment ledgers. 

Complete Metro 2 coding to validate date of delinquency and payment status.

Affirmative proof that the account and alleged late payments are mine and are being reported with accuracy, completeness, and timeliness.

This is a direct violation of the following federal laws : 15 U.S.C. 1681i Failure to reasonably investigate a consumer dispute.

15 U.S.C. 1681s-2 ( b ) Furnisher obligations upon notice of dispute.

15 U.S.C. 1666 ( TILA ) Billing and notice requirements.

15 U.S.C. 1681n Willful noncompliance with FCRA, entitling me to statutory damages of {$1000.00} per violation. 

Additionally, their failure to provide verifiable proof after receiving a written complaint suggests either negligence, data mismanagement, or willful disregard for federal consumer protection laws. The continued reporting of this unverifiable derogatory information has caused harm to my creditworthiness, created barriers to financial opportunities, and exposed me to reputational damage. 

This complaint is being submitted in good faith, but I will not hesitate to pursue additional remedies in small claims court under 15 U.S.C. 1681n if this issue is not resolved promptly. I am entitled to statutory damages, and I am prepared to file additional complaints with the FTC, State Attorney General, and other appropriate regulatory bodies if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> To Whom It May Concern, Subject : Formal Dispute and Demand for Immediate Deletion of False Student Loan Reporting Creditor/Servicer : Sallie Mae Account Number : Several accounts last XXXX of XXXX XXXX This letter is a formal dispute and demand for immediate deletion of false and inaccurate student loan information that is currently being reported to the following credit bureaus : Equifax Experian TransUnion The student loan account listed above is being reported with inaccurate, misleading, and unverifiable information, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ).

The inaccurate information includes ( check or edit as needed ) : Incorrect loan amount False payment status ( e.g., marked delinquent when not ) Reporting a balance on a loan that was forgiven, discharged, or paid Duplicate reporting of the same loan Inaccurate default or late payment reporting Improper reporting of deferment or forbearance periods Reporting the loan as active when it is closed or resolved This inaccurate reporting is damaging my credit profile and must be corrected immediately.

Specific Action Requested : Immediate and permanent deletion of the disputed student loan account from all consumer reporting agencies.

Written confirmation that the account has been removed and that no further collection or reporting attempts will be made.

A full reinvestigation under FCRA 1681i ( a ) and deletion if the account can not be 100 % verified as accurate.

This request must be resolved within 7 business days of receipt of this letter.

Legal Notice : Continued reporting of false or unverified information after receiving this formal dispute constitutes willful noncompliance with the FCRA and may result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, in addition to civil legal action. I reserve the right to pursue statutory damages under FCRA 1681n and 1681o for each violation.

Please take this matter seriously and respond in writing within the specified timeframe. Failure to act within 7 business days will result in further escalation. 

Sincerely, 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 2025-07-09 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.

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans Union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The personal information listed in my credit file includes multiple errors that do not belong to me and must be updated. This includes outdated and incorrect addresses, name variations, false employer listings, and phone numbers that I never provided or authorized. These errors violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. For the record, my only and current address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and no other addresses should be associated with my credit file. My full legal name is XXXX XXXX, and I am self-employed. Therefore, I am requesting the removal of all outdated and inaccurate addresses including : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ; and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Additionally, incorrect name entries such as XXXX XXXX XXXX should be removed. I am also asking for the deletion of inaccurate employer information, including XXXX XXXX XXXX XXXX, as this do not reflect my current employment status. I am self-employed and have never worked for or been associated with these entities. Lastly, please delete any phone numbers on my file that do not match my current and verified contact number. These inaccuracies are not only misleading but are actively damaging my credit and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: HI

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: OK

Complaint narrative:
Whose company is sending me threatening email about collections I do not notice company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
have an account with ... XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX Opened in XX/XX/year>. This account is reporting Late Payments, and causing a negative impact on my credit score. I was never late on this account. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify delinquent accounts which in fact shows I have late payments. 
I demand to see Verifiable proof on file that my account listed, that my payment were past due. Under the FCRA, unverified accounts must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NV

Complaint narrative:
This is my second formal dispute regarding fraudulent accounts that remain on my credit report despite my initial request for investigation and removal. I have already submitted an FTC Identity Theft Report, and enclosed again is a copy for your reference, along with my government-issued ID and proof of address. 
The following accounts are the result of identity theft and do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were fraudulently opened or used without my authorization and continue to negatively impact my credit report and financial standing. Under the Fair Credit Reporting Act ( FCRA ) 605B,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I desputed charges on my card and I was denied my claim due to the fact they say I must have given or used my card which is untrue mail has been broken into over there I explained that to them several Times and they keep denying my claim which submit over 2 complaints already and still denied

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