vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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 filing this formal complaint with the Consumer Financial Protection Bureau to report multiple fraudulent credit accounts that have appeared on my credit report as a result of identity theft, as documented in my FTC Identity Theft Report ( XXXX XXXXXXXX ). 

The following unauthorized accounts were fraudulently opened in my name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were discovered between XXXX and XXXX and have severely impacted my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I requested that the credit reporting agencies block and remove this fraudulent information. However, some of these accounts have been reinserted without the proper legal notice or identification of the furnisher, in direct violation of my rights.

Applicable Legal Violations The following provisions of federal law have been violated : 1. FCRA 605B 15 U.S.C. 1681c-2 Requires credit reporting agencies to block identity theftrelated information within 4 business days upon receiving proper documentation. 
Failure to do so constitutes noncompliance.

2. FCRA 611 ( a ) ( 5 ) ( B ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Requires that if any deleted item is reinserted : The consumer must receive written notice within 5 business days, and The CRA must provide the name, address, and phone number of the furnisher.

This was not done in my case, violating federal law.

3. FCRA 623 ( a ) 15 U.S.C. 1681s-2 ( a ) Prohibits furnishers from reporting inaccurate or false information.

4. FCRA 616617 15 U.S.C. 1681n1681o Credit bureaus and furnishers may be liable for willful or negligent noncompliance, including damages and legal costs.

Relief Requested I respectfully request the following resolution : 1. Immediate and permanent deletion of all fraudulent accounts from my credit reports.

2. Written confirmation from each CRA showing these deletions and that no reinsertion will occur without proper notice.

3. Disclosure of the furnishers names and con
tact information for any reinserted accounts.

4. Updated, accurate credit reports reflecting these corrections.

5. Optional : Placement of a fraud alert or security freeze for future protection.

Please investigate these FCRA violations and ensure my rights as a consumer are enforced. I have attached my FTC Identity Theft Report for reference. I am available to provide any further documentation or clarification as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern I am writing to formally request the removal of all current fraud alerts and active disputes from my credit fileAs of today, I am no longer disputing any items on my credit report, and I ask that you please close and remove all pending disputes. This includes but is not limited to the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also ensure that any fraud alerts previously placed on my credit file are removed. I affirm that I am no longer claiming any fraudulent activity or requesting investigation of any accounts or entries at this time. 
I appreciate your assistance in updating my credit report and restoring it to an accurate and dispute-free status.If any additional verification or documentation is needed, please do not hesitate to contact me. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name XXXX [ XXXX ] Account Number : [ 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 2025-07-03 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Wednesday, XXXX, at around XXXX pm, I went to the XXXX XXXX  located at XXXX XXXX XXXX  XXXX, Florida, XXXX, to pay on my automobile loan. When I presented the male teller with my statement and cash payment, he reviewed it, then asked for my identification. I informed the teller that I have never had to present my identification on the XXXX previous visits at the bank when making a cash auto loan payment. The tellers reason was to crack down on fraud, money laundering and some other XXXX  he fabricated. In my XXXX  years of banking, I have never had to provide identification, at any institution, when making a cash payment only. 

In my opinion, this entire experience was XXXX in nature. The teller in question should have to attend diversity and other specialized professional training.

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Nelnet explained that they were unable to lower my monthly payment. I explained to them multiple times that I can not afford {$510.00} a month, that was over half my paycheck every XXXX weeks. I can not live. I have a XXXX who is in XXXX XXXX that eats me out of the house and a husband that does as well. We have to buy our soon a car soon and we can not afford this monthly payment coming out. I am not even able to buy a car right now because of my loans being placed on my credit score dropping my credit down into the XXXX. I told them I could do a {$100.00} a month and would pay more when I could. I was told there was nothing they could do. I am needing help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Account : Account : XXXX on XXXX XXXX I am unaware of this debt and did not have the opportunity to dispute this account. I did authorize for personal information to be sold to debt collector, nor do they have proof of wet signature from me. If you believe you sent paper notification, Please provide " Certified Mail '' with receipt displaying my signature. If not, please delete Account : XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MD

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 non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I respectfully asked these companies to erase this erroneous information off of my report. These companies provided credit to n individual who possibly used my information. I was 16 at the time and my mother was not aware of this situation nor was I. I would like this removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the XXXX XXXX XXXX and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I purchased and prepaid for a rental car from XXXX XXXX XXXX  I returned the vehicle on XX/XX/year>, a full week prior to the original due date of XX/XX/year>. The return was completed without incident, and XXXX XXXX XXXX  processed and approved a refund of the excess amount due back to me, totaling {$580.00}. This amount included the {$300.00} incidental fee and the cost of the extra prepaid week from the earlier rental. 

XXXX XXXX XXXX  provided proof of the refund transaction, confirming that the funds had been released to my Bank of America account. However, despite this, Bank of America has repeatedly failed to credit the refund to my account. Over the course of four separate dispute attempts through their Claims Department, Bank of America has denied the return of my funds on different grounds each time, closing out each claim without processing the refund. 

Most recently, in XX/XX/year>, I visited a local Bank of America branch to initiate yet another claim, accompanied by a representative from XXXX XXXX XXXX who provided verbal confirmation via phone of the processed refund for the XX/XX/year> rental. I submitted additional supporting documentation confirming my right to receive the refund of {$580.00}. Despite this, I was once again denied the refund, with Bank of America citing the use of the term reversal of funds rather than refund of funds in the documents provided by the merchant. 

This refusal is a clear violation of my rights to receive the refund that has already been authorized and processed by XXXX XXXX XXXX, and Bank XXXXf Americas justification for the denial is unfounded. As of XX/XX/year>, I have still not received the refund that is rightfully owed 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 2025-07-03 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: TX

Complaint narrative:
I am requesting a thorough investigation into a collection account that appears on my credit report, which I believe to be the result of an internal processing or billing error. I was never notified of any outstanding balance, and no valid explanation has been given to justify this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-07-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: TN

Complaint narrative:
This is my first time trying to get help. My credit score has dropped badly because of my Nelnet Loans being added multiple times on my credit score. I want to file this disput using FCRA 611 ( a ) ( 1 ) ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) 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 TILA XXXX Code XXXX 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 ( XXXX ) 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