vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
In XX/XX/XXXX, I discovered a fraudulent credit card account with XXXX XXXX  ( Account # : XXXX ) on my credit report. The account was a result of identity theft and was successfully disputed and removed. However, in XX/XX/XXXX, the same fraudulent account was reinserted into my credit file without any prior written notice or proper legal procedure. 

According to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ), if a credit bureau reinserts previously deleted information : The consumer must be notified in writing within 5 business days, and The name, address, and phone number of the furnisher that certified the reinsertion must be provided. 

I received no such notice, and the credit reporting agencies failed to identify the furnisher, in direct violation of federal law. Additionally, fraudulent personal informationincluding names like XXXX XXXX XXXX and employment with XXXX XXXX XXXX appears on my report and must be removed under FCRA 1681c-2.

What laws were violated?

FCRA 1681i ( a ) ( 5 ) ( B ) : No timely written notice or disclosure of the furnisher following reinsertion.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information known to be inaccurate or previously disputed.

FCRA 1681c-2 : Requires blocking of identity theft-related accounts and personal data upon receipt of a valid FTC Identity Theft Report.

FCRA 1681n and 1681o : Provides for statutory and actual damages in cases of willful or negligent noncompliance. 



What would be a fair resolution? 
XXXX. Permanently delete the reinserted XXXX XXXX account from all credit reports maintained by Experian, Equifax, and TransUnion. 
2. Provide a written explanation that includes : The date and reason for reinsertion ; Whether the reinsertion was certified ; The name, address, and phone number of the furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; An explanation for why I was not notified in writing within five business days.

3. Remove all fraudulent personal information, including the names XXXX XXXX, XXXX XXXX XXXX, and the employer XXXX XXXX XXXX 
4. Correct all credit score and reporting damage caused by the reinsertion and misinformation.

5. Provide written assurance that this account and personal data will not be re-reported unless full legal verification is performed under FCRA 1681c-2.

6. If the reinsertion was willful or negligent, I request the CFPB pursue appropriate regulatory enforcement and damages under FCRA 1681n and 1681o.

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 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I responded to a rental address online. When I got the cashiers checks and went to the Property listed it smelled like XXXX and XXXX XXXXXXXX so bad you could smell it out to the street. I had already sent XXXX XXXX. She told me to come XXXX cashiers checks. The checks were in the car with my kids. I am arguing with the woman I wanted my money back .. my kids hear me hollering they get out of the car to see what's going on. I didn't notice until I got home the checks were gone. I went back and called the police. I submitted the police report and witness statements of the business across the street and others watching that could give statements. They still rejected my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX .RE account XXXX lVNV Funding. To whom it may concern : this letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. By provisions of 15 US section1681i of the fair credit reporting act, these items need to be investigated. Please provide me with proof of these items, Specifically the contract bearing my signature .Failing that, please update the record to show as Paid in Full/As Agreed or Remove this from my credit as soon as possible. this is a very serious matte affecting my everyday life. The out lined item as a very serious error in reporting. please update this information. This account is listed as charged off account on my credit report but i have never received a 1099c for this charged off/ closed debit. can you please provide me with a 1099c to accurately reflect this charge off for tax purposes and please update my credit report and delete immediately. Pursuant to 15 US section 1681i { 6 } { a } of the fair credit reporting act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be providedwithinXXXX days of completion of your investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS. PLEASE BLOCK AND REMOVE THIS INACCURATE INFORMATION FROM MY CREDIT PROFILE. 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OR

Complaint narrative:
I have repeatedly tried to dispute these. With XXXX  as well as XXXX  and they don't send info about these account nor do they resolve these issues. I barely started to try and use credit to find all these damages. holding me back in my life I never agreed to these account. 

Ic systems opened XX/XX/2022 for XXXX This was impossible for me because I was incarcerated during these times

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed laser hair removal services through XXXX XXXX  ( Loan ID : XXXX ) for a company called XXXX XXXX. The business has since closed permanently before finishing the treatments I paid for. Despite this, Cherry continues to request payments for services that were never completed. 

I made several payments in good faith before the company shut down. Afterward, I had to pay again to receive the same treatments from another provider. I should not be responsible for continuing to pay on this loan. 

Even they were still scheduling appointments even with the clinic closed! I got no notification of them being closed for treatments. 

The contract includes the following clause : Any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained with the proceeds hereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
Between XXXX and XXXX, I discovered and disputed several fraudulent accounts on my credit reports. These accounts were opened in my name without my authorization and linked to identity theft, including false names such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and employment information like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

The disputed and deleted accounts include : XXXX XXXX ( Acct # : XXXX ) XXXX CARD ( Acct # : XXXX and XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) These accounts were deleted after disputes, but in XX/XX/XXXX, they were reinserted into my credit reports without proper written notice, in violation of the Fair Credit Reporting Act ( FCRA ). 



What laws were violated? 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Requires written notice within XXXX business days of reinserting previously deleted information, along with the name, address, and phone number of the furnisher. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or fraudulent. 
FCRA XXXX : Requires credit bureaus to block identity theft-related information upon receipt of a valid identity theft report. 
FCRA XXXX and XXXX : Provides for statutory or actual damages for willful or negligent noncompliance with FCRA. 



What would be a fair resolution? 
XXXX. Permanent deletion of all reinserted fraudulent accounts listed above from all credit bureaus ( Experian, Equifax, TransUnion ). 
XXXX. A written explanation detailing : The dates and reasons for the reinsertion of each account ; Whether the reinsertion was certified ; The name, address, and phone number of each furnisher, as required under FCRA XXXX ( a ) ( XXXX ) ( B ) ; Why no written notice was provided to me within XXXX business days. 
XXXX. Correction of all damage to my credit reports and scores caused by these reinserted accounts and false personal data. 
XXXX. Written assurance that these accounts and personal identifiers will not be re-reported in the future unless fully certified and legally verified in accordance with FCRA XXXX. 
XXXX. If the reinsertion occurred willfully or negligently, I request the CFPB pursue appropriate enforcement and statutory damages under FCRA XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
Between XXXX and XXXX, I discovered and disputed several fraudulent accounts on my credit reports. These accounts were opened in my name without my authorization and linked to identity theft, including false names such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and employment information like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

The disputed and deleted accounts include : XXXX XXXX ( Acct # : XXXX ) XXXX CARD ( Acct # : XXXX and XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) These accounts were deleted after disputes, but in XX/XX/XXXX, they were reinserted into my credit reports without proper written notice, in violation of the Fair Credit Reporting Act ( FCRA ). 



What laws were violated? 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Requires written notice within XXXX business days of reinserting previously deleted information, along with the name, address, and phone number of the furnisher. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or fraudulent. 
FCRA XXXX : Requires credit bureaus to block identity theft-related information upon receipt of a valid identity theft report. 
FCRA XXXX and XXXX : Provides for statutory or actual damages for willful or negligent noncompliance with FCRA. 



What would be a fair resolution? 
XXXX. Permanent deletion of all reinserted fraudulent accounts listed above from all credit bureaus ( Experian, Equifax, TransUnion ). 
XXXX. A written explanation detailing : The dates and reasons for the reinsertion of each account ; Whether the reinsertion was certified ; The name, address, and phone number of each furnisher, as required under FCRA XXXX ( a ) ( XXXX ) ( B ) ; Why no written notice was provided to me within XXXX business days. 
XXXX. Correction of all damage to my credit reports and scores caused by these reinserted accounts and false personal data. 
XXXX. Written assurance that these accounts and personal identifiers will not be re-reported in the future unless fully certified and legally verified in accordance with FCRA XXXX. 
XXXX. If the reinsertion occurred willfully or negligently, I request the CFPB pursue appropriate enforcement and statutory damages under FCRA XXXX 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 2025-07-15 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Credit cards Bank accounts Loans were open using my ID my wallet was lost a few years with my ss card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: DISCOVER BANK
State: MI

Complaint narrative:
XXXXredit cards Bank accounts Loans were open using my ID my wallet was lost a few years with my ss card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-15 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:
In XXXX and XXXX, I discovered XXXX fraudulent credit card accounts on my credit reports from : XXXX  XXXX XXXX ( Account ending in XXXX  ) XXXX XXXX XXXX ( Account ending in XXXX ) Both accounts were the result of identity theft and were previously disputed and removed from my credit reports. However, in XX/XX/XXXX, they were reinserted into my credit file without proper notice or legal compliance, which is a violation of the Fair Credit Reporting Act ( FCRA ). 

Per FCRA 1681i ( a ) ( 5 ) ( B ), when information previously deleted following a dispute is reinserted, the credit bureau must : Notify the consumer in writing within XXXX business days, and Provide the name, address, and phone number of the furnisher that certified the accuracy of the information. 

I received no such notice, nor was I given any information identifying the furnisher of the reinserted data. Additionally, fraudulent employment XXXX XXXX XXXX also included on my credit report, further indicating identity theft. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : No written reinsertion notice or furnisher disclosure within 5 business days.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know or should know is inaccurate.

FCRA 1681c-2 : Credit bureaus must block identity theft-related accounts and data once an FTC Identity Theft Report is filed.

FCRA 1681n and 1681o : Provide for statutory or actual damages in cases of willful or negligent noncompliance.

What would be a fair resolution?


1. Permanently delete the reinserted fraudulent accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX from all credit reporting agencies.
2. Provide a written explanation stating : The date and reason each account was reinserted ; Whether certification was provided by a furnisher ; The name, address, and phone number of the furnisher as required by FCRA 1681i ( a ) ( 5 ) ( B ) ; Why no reinsertion notice was sent to me.

3. Correct all credit report damage, including any derogatory impact to my credit score, and remove the fraudulent employment information ( XXXX XXXX XXXX ). 
4. Provide written assurance that these accounts and personal data will not be re-reported unless full legal certification is provided under FCRA 1681c-2.

5. If the reinsertion was willful or negligent, I request enforcement actions and statutory damages under FCRA 1681n and 1681o.

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 2025-07-16 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:
XXXX XX/XX/XXXX, I discovered a fraudulent credit card account from XXXX XXXX ( Account # : XXXX ) on my credit report. The account was created as a result of identity theft and was properly disputed and removed after documentation and verification. 

However, in XX/XX/XXXX, this same account was reinserted into my credit file without proper written notice or legal compliance, in violation of the Fair Credit Reporting Act ( FCRA ). 

According to FCRA XXXX ( a ) ( XXXX ) ( B ) : A credit reporting agency must notify the consumer in writing within XXXX business days of reinserting previously deleted information, and Must disclose the name, address, and phone number of the furnisher who certified the reinsertion. 

I received no written notification and was not provided any information identifying the furnisher responsible for the reinsertion. 



What laws were violated? 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Failure to notify the consumer and disclose the furnishers identity after reinsertion of deleted data. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or previously disputed. 
FCRA XXXX : Requires blocking of identity theft-related information when an FTC Identity Theft Report is submitted. 
FCRA XXXX and XXXX : Provides for actual and statutory damages in cases of willful or negligent noncompliance with the law. 



What would be a fair resolution? 
XXXX. Permanent deletion of the fraudulent XXXX XXXX account from all of my credit reports with XXXX Equifax, and XXXX 
XXXX. A written explanation from each credit bureau stating : The date and justification for the reinsertion ; Whether the reinsertion was certified ; The name, address, and phone number of the furnisher, as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ; Why I was not notified in writing within XXXX business days of the reinsertion. 
XXXX. Correction of all damage to my credit score and profile caused by the improper reinsertion. 
XXXX. Written assurance that this fraudulent account will not be re-reported in the future unless it is fully certified and verified under FCRA XXXX. 
XXXX. If the reinsertion was willful or negligent, I request that the CFPB pursue statutory damages and regulatory enforcement under FCRA XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I have money in an IRA savings account at Discover Bank. When I tried to transfer money to another bank with a higher interest rate on XX/XX/XXXX, I was told that I could not have access to my money for XXXX  days. No reason was given except that this is their new policy. This is a violation of regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 formally disputing inaccurate information on my credit report. I was a victim of identity theft and unauthorized activity due to my account being hacked. As a result, certain accounts or inquiries may appear that I did not open or authorize. These do not belong to me and are harming my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate and fraudulent items be thoroughly investigated and removed immediately. Please update my credit file to reflect only accurate and verifiable information.

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