vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Late Payment Disputes XXXX. 
XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
SYNCB/Amazon Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  For all the above accounts : My records show payments were made on time or within the grace period. The late payment notations appear to be errors.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I recently ( XX/XX/XXXX ) opened an XXXX XXXXXXXX credit card via Bank of America ( BOA ). In XX/XX/XXXX, I set up auto-payment ( to be paid out of my XXXX XXXX checking account ). Today ( XX/XX/XXXX ), I learned that my first payment did not go through. I called BOA today, who informed me there was a system error they could not identifythat caused the payment to not go through. The BOA representativesaid I needed to speak with XXXX XXXX to rectify the problem. So I then called XXXX XXXX today, who has zero record of an attempt by BOA to seek payment from my XXXX XXXX account. The XXXX XXXX representative suggested she join a call with me and BOA. So I called BOA for a second time today, with the XXXX XXXX representative also on the call. Note the XXXX XXXX rep also recorded this phone call. This time, the BOA rep confirmed with me as well as the XXXX XXXX representativethat my XXXX XXXX account number and routingnumber in BOA 's system were accurate. BOA couldn't explain their system failure. The BOA representativethen places me on hold for over 20 mins while they get another BOA representative to help ( this call alone lasted over 1hr 20mins ). This third BOA rep also could not explain the BOA system failure ( as such, I will have to send a physical check via snail mail since they can't get online auto-payment to work ). The mysterywas never resolved. Nevertheless, BOA representatives would not credit me their {$76.00} fee for their failure. 
I'm XXXX XXXX XXXX and never once in my life made a late payment. To be charged interest fees for BOA 's unexplainable failure is fraudulent and beyond comprehension.I demand that BOA refund me the {$76.00} charge.

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 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Makes Cents, Inc. dba Advance.Cash
State: MA

Complaint narrative:
I am a XXXX  resident. Advance Cash issued me a {$1500.00} online loan on XX/XX/year> with an APR of 398.90 %. The company is not licensed to lend to XXXX residents, in violation of G.L. c.140 96 ( license required for loans above 12 % APR ). The interest rate also exceeds the criminal-usury limit of 20 % ( G.L. c.271 49 ).

Despite these violations, Advance Cash continues to demand payment and debit my bank account.

Under Massachusetts law, all interest and fees are void and unenforceable ( G.L. c.140 110 ).

I dispute the debt and request enforcement action to stop illegal lending and collection activity and require Advance Cash to cease all credit reporting and collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
all the credit inquries on my report i should only have 1 from XXXX XXXX thats all all 3 credit companies i should only have 1 inquiry from 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
all the credit inquries on my report i should only have 1 from XXXX XXXX thats all all 3 credit companies i should only have 1 inquiry from 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 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

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
In response to my CFPB complaint # XXXX, Rushmore Servicing stated that from my initial escrow deposit XXXX XXXX XXXX made a tax disbursement of {$1500.00} and a mortgage insurance disbursement of {$91.00} before transferring servicing to Rushmore. After the disbursements, my escrow balance was {$95.00} ; however, the Rushmore 's XXXX escrow analysis reported my starting balance as XXXX. Also, the escrow analysis reports a $ XXXX county tax disbursement from my escrow account that XXXX County Tax Assessor has no record of receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
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 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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
XXXX. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For all the above accounts : My records show payments were made on time or within the grace period. The late payment notations appear to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
I am filing a complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the reinsertion of the XXXX ( XXXX ) account on my credit file. This account was reinserted on XXXX XXXX XXXX, and deleted on XXXX XXXX XXXX, following investigation results. However, it was reinserted again after your reinvestigation on XXXX XXXX XXXX. The reinsertion of this account occurred without your agency certifying that the information was validated as required under 15 U.S.C. 1681s ( i ) ( 5 ) ( B ). Furthermore, I was not notified in writing within 5 business days of the reinsertion, as mandated by 15 U.S.C.1681s ( i ) ( 5 ) ( B ) ( iii ). The FCRA clearly states that if any information is deleted from a consumer 's file, it can not be reinserted unless it has been properly validated. Additionally, the credit reporting agency is required to notify the consumer of the reinsertion, including the furnishers details and contact information. The failure to comply with these requirements is a direct violation of my rights under the FCRA. I am extremely frustrated by this ongoing issue. I have disputed this account multiple times, and I do not want to see it on my file again or have it reinserted. This situation has become intolerable, and I demand that the XXXX account be deleted immediately from my credit file, as it was reinserted without proper validation. Under 15 U.S.C.1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days when a consumer disputes information. Since this account has not been properly validated and was reinserted without due process, it is in violation of 15 U.S.C. 681i. I demand that this account be deleted immediately.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-27 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you review and delete all outdated, inaccurate, or unrecognized personal address information from my credit file. According to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and have corrected any information in my credit file that is incomplete or inaccurate.

After reviewing my credit report, I noticed that there are multiple addresses listed that are no longer valid or that I have never resided at. Please remove all prior or incorrect addresses and retain only the following current and correct address : Current Address : XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX These outdated addresses are not associated with my current residence and are likely connected to old accounts or reporting errors. The continued presence of these addresses on my file is inaccurate, misleading, and XXXX affect the verification of my identity and the accuracy of my credit history. 

Please update my personal information and provide written confirmation that these changes have been made. 

Under the Fair Credit Reporting Act, I request : Removal of all outdated or unrecognized addresses. 

Written confirmation of this correction within 30 days. 

An updated credit report reflecting this change.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally request that you review and delete all outdated, inaccurate, or unrecognized personal address information from my credit file. According to 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and have corrected any information in my credit file that is incomplete or inaccurate.

After reviewing my credit report, I noticed that there are multiple addresses listed that are no longer valid or that I have never resided at. Please remove all prior or incorrect addresses and retain only the following current and correct address : Current Address : XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX These outdated addresses are not associated with my current residence and are likely connected to old accounts or reporting errors. The continued presence of these addresses on my file is inaccurate, misleading, and XXXX affect the verification of my identity and the accuracy of my credit history. 

Please update my personal information and provide written confirmation that these changes have been made. 

Under the Fair Credit Reporting Act, I request : Removal of all outdated or unrecognized addresses. 

Written confirmation of this correction within 30 days. 

An updated credit report reflecting this change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: WA

Complaint narrative:
I am submitting this formal complaint against the three major credit reporting agenciesTransUnion, Equifax, and Experianfor failing to comply with the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and for reporting accounts without my written consent. 

Despite submitting formal disputes to each bureau regarding unauthorized accounts on my credit reports, I have not received verification or correction, and these accounts remain on my reports, negatively impacting my credit standing and financial opportunities.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX refused. I submitted my XXXX XXXX XXXX  as proof of identification. This is a Federally issued card from the Department of the XXXX XXXX XXXX XXXX XXXX. This is not an easy card to get. It contains my picture, address, date of birth, the date my XXXX was first issued XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. This card is as good as a passport when boarding planes and is accepted throughout the United States as valid ID. My credit score is over XXXX, I have lived in the same home for over 50 years, I am a Notary Public which means I have had a thorough background check completed and fingerprinted. Capitol One, XXXX XXXX XXXXXXXX refuses to accept my ID as valid ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Requested debt validation numerous times from Portfolio Recovery Associates for an amount of {$1500.00} on dates, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At no time did they send any info to me by mail or email. Nothing certified was sent to me by this company but they continue to update the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
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 
Upgrade Inc Account # 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 XXXX XXXX For all the above accounts : My records show payments were made on time or within the grace period. The late payment notations appear to be errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BSI Financial Holdings, Inc.
State: CO

Complaint narrative:
We started the refinance process on our home loan with BSI Financial on XXXX XXXX XXXX As we went through the paperwork requirements, we were informed that there would not be any out-of-pocket costs except for the cost of the appraisal. They did not honor this and changed the loan documents without notice on the day of closing. After speaking with several BSI representatives, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, they refused to honor the agreement of XXXX due at closing. This company is dishonest and predatory. We will no longer do business with BSI Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime
State: NM

Complaint narrative:
Company allowed me to drive off the lot without proper i surface and then I was in a life changing accident where I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: NM

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 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