vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: TX

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a call ( calls ) from a phone number that was identified as U.S. Bank saying that a XXXX XXXX was attempting to apply for a VISA credit card. I could not verify that the caller was reliably from U.S. Bank other than the phone identification. I told the lady that I have a freeze on all credit applications with all three reporting companies XXXX XXXX XXXX XXXX XXXX XXXX  this did not seem to register with her as she said a person was attempting to apply for a credit card. The representative said she had generated at case number ( XXXX ) for the incident with U.S. Bank. She also gave me a number of the incident XXXX but I did not understand where this number came from. I checked with all three credit bureaus and did not find information relating to this incident and I confirmed that the FREEZE on my credit was still in place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NY

Complaint narrative:
There is a debt from XXXX that went to collections with IC Systems. I reached out to IC Systems in XXXX of XXXX  to pay the debt. They stated they do not have the account information any longer. When I asked how to pay they said contact Spectrum. I asked them to remove the collections. They have not. I called XXXX to pay the debt, they do not have my information in their system for me to pay them. I asked them to remove the collection. They did not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
On XX/XX/2025, I paid {$200.00} ( Reference Number XXXX ) to Cont Finance for my credit card ( Surge ) account number ending in XXXX. Surge credit card company is stating that the money did not clear, and I did not get the credit for it. This has impacted my credit report. I have called several times, trying my best to resolve this issue. I sent an email with a copy of the cashed check from their company. I did not get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf after discovering serious discrepancies in my credit record that require immediate attention and resolution. Upon conducting a thorough review of my credit report, I found the presence of late payments that appear to be inaccurate or improperly reported without adequate verification. Despite sending formal dispute letters to the relevant parties over 30 days ago, I have received absolutely no response, and they have completely failed to provide me with satisfactory validation of these disputed items as required by federal consumer protection laws. This lack of communication and failure to validate the accuracy of the reported information represents a clear violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
Over a two-month period I have been working with Freedom Mortgage ( also my current lender ) on a VA IRRL refi . Over that time period the disclosure paperwork we messed by up the underwriters five times. The problem stemmed from me wanting to pay the origination fee up front so that it was not rolled into the loan. We would have to keep going back and forth to try and get the paper to reflect this. I also have 100 % VA XXXX and subsequently don't pay property tax in the state of Virginia. They would have to keep correcting that on the paperwork as well. When they finally had all the paperwork in order and we were ready for setting a closing for XXXX XXXX. They called me a couple days before the XXXX to inform me that they have to put in an extension on the refi because the " lock in '' was going to expire before everything was completed. When they sent me the new disclosures a couple days later there was a new fee in there for points i was going to have to pay to buy back down to the agreed upon rate and my closing costs had nearly doubled. I contact their escalation team ( XXXX XXXX was the person i was working with ) to figure out why i was being charged more when they were the ones that had messed up the paperwork repeatedly and causing all of the delays in the loan moving forward so that we could close in a timely fashion. She said she was going to send it to the closing team for a final decision on the fee. When they sent me the disclosures back my closing costs were back down to the original amount we had agreed too and started to proceed again. Then when they sent me the stuff for closing paperwork the closing costs were back up to nearly double again and they had messed up me wanting to pay the origination fee up front as well as they had some property tax fees in there that I dont have to pay. 

At the end we did not proceed with the refi since they were trying to charge me fees for their mistakes and delays. It is in my opinion that these repeated delays were either from gross incompetence or purposefully caused to increase fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to dispute information on my credit report that I believe is inaccurate, incomplete, or unverifiable. Information included in my report must be properly verified and documented before being used by any creditor. I will not accept allegations of delinquency or derogatory remarks without factual evidence to support them.

The information in question appears to violate federal and state reporting standards, including the Metro 2 data reporting format. I am requesting a full investigation and demand that you ensure compliance with all applicable laws. 

You are prohibited from reporting any data you knowor should knowis inaccurate, incomplete, or otherwise non-compliant with the law.

The following personal information is being challenged : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that you provide verifiable, physical evidence proving the existence of these accounts and the permissible purpose for their reporting. If you are unable to do so, the accounts must be deleted from my report immediately. 

My next letter will serve as a formal LOITS noticelegal intent to sue. You are expected to demonstrate compliance with all FCRA requirements and CDIA Metro 2 standards. I further demand confirmation that every employee who accessed or processed my file has received certified training in Metro 2 data field reporting.

I will pursue a minimum of {$1000.00} per violation in civil damages, and I may seek criminal charges if harm results from continued non-compliance or misreporting.

If your response does not confirm the deletion of all inaccurate data, I will treat your inaction as a willful violation and proceed accordingly.

This communication is issued professionally and in good faith, with the expectation of your immediate and lawful cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
in accordance with the fair credit reporting experian keeps reporting act # numbers XXXX XXXX and XXXXXXXX XXXX XXXXXXXX, have violated my rights. 15 u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX  account numbers XXXX and XXXX XXXX  XXXX statue of limitation expired in XXXX of XXXX. It was showing a date of XXXX until i filed my dispute, now the date it should be removed is no longer there. Experian continues to report a debt that is over 7 years old and was suppose to be removed in XXXX. It is now XX/XX/XXXX and they continue to violate my rights by continuing to report this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
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 2025-06-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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 2025-06-16 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address serious concerns regarding late payments that have appeared on my credit record without proper validation or verification. After conducting a thorough review of my financial records, I discovered the presence of these disputed late payments that appear to be inaccurate or unauthorized. Despite having sent formal dispute letters regarding this matter over 30 days ago, I have received no response whatsoever, and the reporting parties have completely failed to provide me with satisfactory validation of these items as required under the Fair Credit Reporting Act. This lack of response and failure to validate the accuracy of the reported information constitutes a clear violation of my consumer rights and has caused ongoing damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

The issue appears consistent with the recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were settled with insufficient balances despite initially having adequate funds. These practices were deceptive and unfair and has caused me significant financial stress, inconvenience and damage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Formal Dispute of Inaccurate Credit Reporting and Request for IRS Form 1099-C Account Number : XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and potentially unlawful reporting activity related to the above-referenced account. It has come to my attention that your company continues to update and report this account monthly to the credit reporting agencies, despite it having been previously charged off and written off as a loss.

According to my records and the notations made on my credit report, this account has been written off and reported as such to the Internal Revenue Service ( IRS ). If a debt is canceled or forgiven in the amount of {$600.00} or more, the creditor is required to issue IRS Form 1099-C ( Cancellation of Debt ), and further reporting to the credit bureaus in a
way that implies continued collection or balance activity may violate federal law.

Your continued monthly updates on this account, after it has been deemed written off, may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2, which governs the responsibilities of furnishers of information to consumer reporting agencies ; and 15 U.S.C. 1681e ( b ), which requires all information reported to be accurate and up-to-date.

I hereby request the following : Immediate cessation of any further monthly updates to this account if it has, in fact, been canceled or charged off and no further collection activity is authorized.

A complete investigation into the reporting activity on this account and correction or removal of any inaccurate information.

A copy of IRS Form 1099-C, if this account has been canceled and reported to the IRS.

If you are unable to provide IRS Form 1099-C and still report the account as charged off, please clarify your position in writing within 30 days of receipt of this letter. Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action to protect my consumer rights.

Please treat this matter with urgency. I expect a full response and resolution within 30 days from the date of this letter.

Sincerely,

Company response to consumer: Closed with explanation