vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc
State: NM

Complaint narrative:
I applied to drive for XXXX, but my background check has been delayed for months due to an unresolved issue with retrieving my Motor Vehicle Record ( XXXX ). 
XXXX has repeatedly told me via support messages that my XXXX is not available electronically, and that I need to obtain an official copy, which I have done, from my local XXXX and upload it to the Checkr Candidate Portal. However, Checkr has responded multiple times saying they do not accept any documents related to license status or XXXX and that I need to speak with XXXX instead. 
They also suggest I contact the XXXX to " investigate the issue, '' but I have done that - and the XXXX confirms that my information is accurate and there is nothing they can do to assist. I have not changed states, names, or licenses. I've contacted both companies numerous times. Neither XXXX nor Checkr is accepting responsibility or providing a way for me to resolve this issue. XXXX tells me to upload something to a portal that does not allow uploads, and Checkr says they do not accept uploads " at this time. '' Checkr has suspended my background check XXXX times, and canceled XXXX. XXXX continually responds with robotic answers that tell me to rectify the situation with the client portal on checker. Checkr tells me to go to the XXXX and doesn't provide away for me to upload documents, and the XXXX confirms that I have had no changes to my information or driving record. Because of this breakdown, I have been unable to work for XXXX for several months, despite having no disqualifying driving issues and no way to fix the problem myself. I am simply stuck in a loop. l 've explained the urgency and financial hardship this is causing, but neither company is offering support or escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Already submit a complaint, and just because they reply was close. this was their response, not addressing with evidence and in compliance with consumers protections laws. While we truly understand and empathize with your situation, unfortunately, we can not remove delinquencies reported on your Military Star account. These entries are part of your credit history and, in accordance with credit reporting guidelines, will remain on your report for XXXX  years from the date of the last delinquency. 

If the delinquencies are still shown on your credit report after this period, please contact that specific bureau and request an account update. 
Regarding not receiving statements, I can confirm that your set up on online statements, in which statements were sent to email address on file. Per the terms and conditions, it is the Account Holders responsibility to stay informed about their balance and payment obligations. 
I am filing this complaint to report several serious violations by the Military Star XXXX ( administered by AAFES/XXXX XXXX XXXX ) in relation to my inactive account ( # XXXX ). 

The account has been inactive for over XXXX years. During that time : I did not receive a replacement card or any communications. 

I did not authorize any charges or new activity. 

I was not provided any billing statements, notices, or collection letters. 

I was never given the opportunity to validate or dispute the debt as required under federal law. 

Despite this, I recently discovered that money has been deducted from my military retirement pay through XXXX without my knowledge, consent, or any legal judgment or court order. 

Additionally, the Military StaXXXX XXXX  is reporting negative information to the credit bureaus without proper investigation, and continues to do so despite my formal dispute. 
those are violations at air Credit Reporting Act ( FCRA ) : XXXX ( b ) : Failure to ensure accuracy in reporting XXXX : Failure to reinvestigate disputed information Fair Debt Collection Practices Act ( FDCPA ) : XXXX : No validation of debt XXXX : Misleading actions unauthorized deductions Servicemembers Civil Relief Act ( XXXX ) : XXXX : Deductions without court order or due process

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 2025-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-06-25 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Let me be clearthis complaint is not a mistake. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy. These errors are taking a serious toll on me, both emotionally and financially, and continue to impact my life in ways that are hard to put into words. These are already difficult times, and having this corrected would bring much-needed relief.

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 2025-06-25 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: TN

Complaint narrative:
Im writing to demand the immediate removal of a fraudulent account that has appeared on my credit report. This account was opened without my knowledge or consent and is a direct result of unauthorized use of my identity. 

Let me be absolutely clear : I did not apply for, open, or authorize this account in any way, shape, or form. I have no affiliation with the company behind it, and Ive never had any communication or relationship with them. The presence of this account on my credit file is the result of identity theft plain and simple and it is both inaccurate and damaging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
They have illegally obtained XXXX  information saying they got it from the data furnisher when they did not because I have reached out to the data furnisher and this information was not released. They have violated my rights and privacy. Its needs to be removed immediately just like transunion removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
They have illegally obtained XXXX  information saying they got it from the data furnisher when they did not because I have reached out to the data furnisher and this information was not released. They have violated my rights and privacy. Its needs to be removed immediately just like transunion removed it.

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 2025-06-25 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:
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 XXXX 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 explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
Experian Equifax TransUnion are continuing to violate the Fair Credit Reporting Acts Consumer Laws by not providing me with right information on all 3 of my Major Credit Reports ( Experian Equifax and TransUnion ) Therefore it has stopped me and continues to stop me from getting a car for my family. I am a single living mother trying to provide for my sons. It's preventing me to get certain jobs and it's making my name bad because of so many false and inaccurate reports on all of my Credit Reports. Also, they never paid me for reporting and keeping negative things on my credit accounts. Since all 3 Credit Reporting Agencies didn't delete negative reports off of all my Credit Reports that I've listed on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Experian Equifax TransUnion are continuing to violate the Fair Credit Reporting Acts Consumer Laws by not providing me with right information on all 3 of my Major Credit Reports ( Experian Equifax and TransUnion ) Therefore it has stopped me and continues to stop me from getting a car for my family. I am a single living mother trying to provide for my sons. It's preventing me to get certain jobs and it's making my name bad because of so many false and inaccurate reports on all of my Credit Reports. Also, they never paid me for reporting and keeping negative things on my credit accounts. Since all 3 Credit Reporting Agencies didn't delete negative reports off of all my Credit Reports that I've listed on here.

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 2025-06-25 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: CA

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 2025-06-25 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: CA

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 2025-06-25 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: HI

Complaint narrative:
Here 's a customized legal-style notice invoking 15 U.S.C. XXXX ( also known as the Medical Debt Removal Act for certain conditions ) and Section XXXXB ( related to identity theft ) to request removal of late payments from a credit report. This letter does not create new law, but it frames an assertive legal request based on the existing statutes that the credit bureaus and furnishers must comply with under the Fair Credit Reporting Act ( FCRA ) .Heres a strong, legally grounded request letter based on 15 U.S.C . XXXX and XXXX ( XXXX ) of the Fair Credit Reporting Act ( FCRA ) to request the removal of late payments from your credit report within XXXX business days, particularly if theyre due to identity theft or fraudulent 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 explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I.C System failed to properly validate and verify this debt.

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 2025-06-25 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: VA

Complaint narrative:
Account in Dispute : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$22000.00} To Whom It May 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.

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 2025-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
XXXX XXXX ( wife ) went to the bank to close accounts we drove from Arkansas to XXXX Texas Wells Fargo branch to get our funds. 
XXXX XXXX their employee told my wife she couldnt get the check because we had a pending deposit but that we could go to any Wells Fargo the next day to get a cashiers check for {$100000.00}. The next XXXX and I went to a different Wells Fargo Branch they said we couldnt get a check because we had no funds. XXXX and I went back to the XXXX branch. Branch manager XXXX XXXX said XXXX was new and had made a mistake they were going to mail the check. We told them Not to mail check we are here in your office in Texas and want our money. XXXX XXXX said she was working on it getting us our check. We waited 2 hours and were told to go ahead and leave and theyd keep working on getting us our funds in person. We were told the next day check was in the mail. Told them do not send in mail we were in your office in Texas and will be in Texas for some time then Oklahoma before going back to XXXX sometime in late XXXX. We want our money wired to a reputable bank ( we have other banks that dont make mistakes like Wells Fargo does ) that knows how to do banking business or a courier that we can meet at one of the banks in XXXX Texas at a set time. We are not involving us to a third party and being responsible for not getting our funds. The only contact we have is Wells Fargo. We now want interest for over 2 weeks and our money.

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 2025-06-25 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-25 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: IN

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!

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 2025-06-25 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 submitted a valid identity theft report and supporting documents to Experian to have a fraudulent account removed under FCRA 605B. On XX/XX/2025, Experian confirmed the account would be blocked. However, when I followed up by phone on XX/XX/XXXX, I was told I had to wait an additional 30 days, and on XX/XX/XXXX, Experian sent a duplicate request for documents I had already submitted. This appears to be a stall tactic and violates my rights under the FCRA, which requires Experian to block identity theft-related information within four business days of receiving proper documentation. This delay has caused me unnecessary stress and harmed my ability to access credit.

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