vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: CA

Complaint narrative:
This is not a duplication. The issue has not been resolved. Repeating what you previously stated and ignoring the fact that you already caused damage to my life will not go away for me. As stated before pursuant to the FCRA once an error has appeared on a credit report, the account shall be deleted. In this case it was multiple errors by your company. As a result of you reporting false charged, a balance and late payments which was not TRUE that was damage to my reputation because the information reported was FALSE. Regarding a balance on the account that was XXXX in XXXX has nothing to do with your company reporting false information violating bankruptcy laws as well as the FCRA. I am demanding that this account be deleted. Even tho you claim you are correcting this, I still have the print out of the violations that I am able to proceed with when requested a sanction for failure to comply with XXXX  laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX EXPEDITE THIS ISSUE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries Request for Immediate Deletion Dear Navy Federal Credit Union, I am writing to formally dispute and demand the permanent deletion of unauthorized hard inquiries you have placed on my credit report. I did not authorize any of the following inquiries, nor did I grant consent to extend credit or open any accounts in relation to these inquiries. The details of the unauthorized inquiries are as follows : Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX These inquiries constitute a violation of the Fair Credit Reporting Act ( FCRA ), specifically : Section 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), which states that a credit inquiry requires a valid permissible purpose ; and Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires furnishers of information to maintain maximum accuracy and only furnish data with proper authorization. 

In addition, these unauthorized inquiries are not linked to any open account or application that I have initiated. Under the FCRA, the continued reporting of these inquiries is inaccurate and unlawful. 

Case Law Support : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Courts have held that inaccurate or unauthorized entries must be removed by furnishers and credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX  XXXX ) This case underscores the requirement of maximum accuracy under FCRA XXXX ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) Furnishers must conduct a thorough investigation of disputes and correct any inaccuracies, including unauthorized credit inquiries. 

I am demanding that you permanently delete these unauthorized hard inquiries from my credit report immediately. If these inquiries are not removed within XXXX business days, I will pursue legal action for willful noncompliance, including statutory, actual, and punitive damages under FCRA 616 and 617. 

Please confirm in writing that these inquiries have been permanently deleted and provide me with an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I expect full compliance with federal law to avoid further legal escalation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AR

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 ( XXXX ) 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 explanation
Consumer complaint received 2025-05-30 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:
Im contacting you because my personal information was compromised in a data breach, resulting in fraudulent accounts on my credit report. Pursuant to Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : 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 XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts CAPITAL XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
I tried to send crypto to another individual on XX/XX/XXXX. They told me that my account became restricted immediately and then I had to wait till XX/XX/XXXX. On my XX/XX/XXXX I got an email saying that the restrictions were lifted however when I checked on XX/XX/XXXX it is still saying that my crypto account is restricted and I am unable to withdraw any money. I have requested a call back however they are simply placing a ticket again and are unable to remove my restrictions or tell me why a restriction was placed in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: OH

Complaint narrative:
My auto loan was transferred from XXXX XXXX to Westlake Portfolio Management. I was set up with autopay with XXXX XXXX  and signed off to continue Autopay with Westlake Portfolio Management. After the first attempted payment with Westlake Portfolio Management, I was assessed an NSF fee. I have plenty of funds available in the account and immediately made a payment myself once I saw this. I reached out to Westlake Portfolio Management and they stated that they were unable to locate the account and thats why they assessed the fee. I did not enter any account numbers when signing up for ACH payments with Westlake Portfolio Management. All of this was transferred over from XXXX XXXX  and the account number was actually transcribed besides the last XXXX to protect my account info. I never had issues with ACH payments either XXXX XXXX  or any other financial institution for the matter and have never missed a payment on a single account of mine in my lifetime. I need the NSF Fee removed. I shouldnt be charged for XXXX XXXX XXXX mistake. Im rather certain this is an ongoing scheme of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: PA

Complaint narrative:
Summary of My Concern : Equifax has already issued results confirming that all disputed accounts were deleted after contacting the furnishers. However, I noticed on XX/XX/year>, my name was changed without my knowledge or authorization. This occurred after all deletions had been processed. 

Now, XXXX recent communication regarding the XXXX XXXX account included vague language implying it may return. I find this highly suspicious and am putting Equifax on notice that I am actively monitoring my report for any attempt to reinsert that account which would be a violation under the FCRA. 


Why This Is a Problem : The XXXX XXXX account was already deleted. 
I have no contract with that company under my legal name. 
My address was also not reported at the time Equifax claims. 
The XX/XX/XXXX name change was unauthorized, and it raises red flags that Equifax may be attempting to match old data to allow reinsertion of accounts they already agreed were inaccurate. 



Legal Violations to Be Cited if Reinsertion Occurs : 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ) Failure to notify the consumer in writing before reinserting. 
15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( b ) Duty to properly investigate after receiving notice of dispute. 
Furnisher Responsibility No furnisher can verify information under a name or address not authorized or reported by the consumer. 



Final Notice to Equifax : I am documenting everything. Any reinsertion attempt of the XXXX XXXX account or any other deleted account after this notice will be treated as retaliation, bad faith conduct, and a willful violation of federal law. 

I am prepared to escalate this matter to the Attorney General, FTC, DOJ, and other regulators. I will not be caught off guard. Any attempt to quietly place deleted data back on my file will result in immediate legal action. 
At this time I am retaining all evidence and if equifax does a illegal reinsertion I am prepared to forward all evidence to the ftc the DOJ, and attorney general

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
Received a call from my bank stating that my account had been compromised and I needed to change some information. I asked them how do I know that they were from my bank they told me to XXXX the telephone number. I did and it showed up as that bank. I changed the info that they said I needed to. Later I saw a purchase of XXXX authorized my some weird unknown name that I didnt do. I filed a complaint with the bank and eventually the denied my claim. What I asked if i could escalate this claim they said they couldnt/wouldnt. I asked for a supervisor and they said there was no one else to talk to. I have filled a police report. The person who impersonated me, charged my account without my consent for something that I dont know, didnt consent to.

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 2025-05-30 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: FL

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX - Account Number : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$31.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-05-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Every month my payment is one amount XXXX payment when Im late they add a XXXX dollar late fee every month they say its cleared for the next month there another late fee I pay the late fee separate but because I have to wait to pay the extra fee they charged then they charge me another late fee this has been going on since XX/XX/year> to today.

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 2025-05-30 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: NV

Complaint narrative:
I am submitting a formal complaint against [ Equifax ) for continuing lo report inaccurate and unverifiable information on my credit report, in violation of multiple sections of tho Fair Credit Reporting Act ( FCRA ). 
On [ XX/XX/year> ), I identified discrepancies in the following account : Account Name : ( XXXX  XXXX ) Account Number : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Issue : ( Describe inaccuracies such as incorrect balance, wrong status, Inconsistent datos ) I submitted a disputo directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 16811 ) : Right to dispute Inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( e ) ( 1 ) ( A ) : Right to request original documentation for verification ( o.g., signed consumer contract ) FCRA Section 623 ( o ) ( 5 ) : Requirement to delete any Information that can not bo verified with the original creditor FCRA Section 1681e ( b ) : Obligation lo ensure maximum possible accuracy in reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In XX/XX/XXXX, I submitted a written request asking the company to verify the late payment reporting for XXXX and XX/XX/XXXX. I never received a response. I have maintained a consistent history of on-time payments, including during the months in question. The lack of response and continued reporting of these alleged late payments is damaging my credit and appears to violate the Fair Credit Reporting Act 's requirement for accuracy and reasonable investigation. I am requesting immediate correction or removal of these inaccurate entries.

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