vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

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 I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, a XXXX XXXX XXXX account was opened under my name without my informed knowledge. I discovered this account on XX/XX/year>. In XXXX, I was responding to a XXXX XXXX housing ad, and the person I was communicating with directed me to several third-party credit sites. I stopped interacting with these sites once I felt the situation might be a scam. 

Unknowingly, this resulted in a XXXX XXXX XXXX loan for {$510.00} being opened under my name, with monthly payments of {$25.00}. Two payments, for XXXX and XXXX, were reported as late. This has caused my credit score to drop from XXXX to XXXX. I did not know this loan existed, nor did I authorize it knowingly. 

I have been actively building my credit for housing and other important life goals, and this situation has put me in distress because it could have long-term negative effects on my life. I respectfully request that this account be removed from my credit record, as I believe it is unfair for it to remain, given that it was opened without my knowledge or 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 2025-12-05 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Transunion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Transunion repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Transunion to potential regulatory and civil liability.

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 2025-12-05 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: U.S. BANCORP
State: IL

Complaint narrative:
I have notice they seem to pop up on my report randomly

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 2025-12-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

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 2025-12-05 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-05 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: TX

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My 2 personal amex cards ( gold and platinum ) were suspended on XX/XX/XXXX for a financial review. This was right after I was charged the annual fee of XXXX dollars for the platinum card on XX/XX/XXXX. Note that this is also the second time I was suspended for a financial review, the last one being in XXXX for a week. During that review, I had already provided all my bank statements and proof of income. 

I promptly submitted the requested documents within 3 days of the review. Since then, I have called Amex support 3 times on XX/XX/XXXX, XXXX, and XXXX requesting a reason for the review and to remove the while they process things on their end, but was told no in both cases. 

As of XX/XX/XXXX, both of my accounts are still suspended and I have already been charged the XXXX platinum annual fee and XXXX gold annual fee. I have basically been unable to use the cards for the busiest holiday times of the year while still being charged for the cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Cease and Desist Letter to Creditor Formal Request to Stop Debt Collection Communications XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Resurgent LVNV Re : Cease and Desist Letter Dear : LVNV I am writing to inform you that the information on my account is incorrect I do not have an account with your company, please remove immediately. The information is incorrect. I am writing to inform you that I am formally requesting that all communications regarding the collection of my debt cease immediately. I am requesting validation of this debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you cease all further communication with me, my family, my employer, or any other third party regarding this debt. 
Please take note of the following : I am aware of my rights under the Fair Debt Collection Practices Act, and I am requesting that all further communication from your agency cease immediately. 
Please do not contact me via phone, mail, email, or any other means regarding the debt in question. 
Any further attempts to contact me will be considered a violation of the Fair Debt Collection Practices Act, and I will take appropriate legal action. 
I expect your full cooperation in this matter and confirm that I will seek legal recourse if necessary to ensure that my rights are respected. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
XXXX XXXX, from XXXX XXXX, with the XXXX XXXX XXXX XXXX  unethically performed two credit checks on XX/XX/year>, and again on XX/XX/year> to give us a higher rate. As a mortgage broker, he also delayed the loan process until the rate hike, when it was supposed to be closed on XXXX, XXXX. In addition, at the night prior to the failed closing on late XXXXXXXX XXXX he delayed the closing by providing a XXXX significantly higher than said by giving us a larger amount than said hours before the first failed closing. Then, at second successful closing, he demanded to be compensated from the buyer for his services and unethically also did a rate-lock at a significantly higher rate. He directly worked with XXXX to unethically perform these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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 submitting this follow-up complaint to dispute several inaccuracies and potentially obsolete items that remain on my credit file despite prior attempts to resolve them. These items appear to violate the Fair Credit Reporting Act, including 605 ( a ) ( 15 U.S.C. 1681c ) regarding obsolete information, 623 ( a ) ( 5 ) for failure to accurately report Dates of First Delinquency ( DOFD ), and 604 ( a ) ( 3 ) concerning permissible purpose for reporting. I request a full reinvestigation and removal of any item that can not be properly verified in accordance with federal law. 

The items I dispute include the following reported names/addresses and accounts that do not belong to me or are reported inconsistently : the name/address entries for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-05 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XXXX and XX/XX/year>, I disputed the reporting of a secured credit card issued by a financial institution because the data appearing on my credit report was inconsistent and inaccurate. The reported payment history included conflicting dates, status changes, and account information that did not match what other credit bureaus were reporting. 

The credit bureau marked the account as verified, yet did not provide any documents to support the verification, such as a credit agreement, transaction history, billing statements, or proof of delinquency. Federal law requires documentation to support verification, but none was provided. Multiple fields were updated on the account during the dispute without a proper explanation or evidence. 

These inaccuracies continue to affect my credit profile and were not resolved through the dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unauthorized, and unverifiable items appearing on my credit reports with Equifax, Experian, and TransUnion, which are severely impacting my creditworthiness. My personal information has been misreported with addresses that are not mine, including XXXX XXXX, XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX, and XXXX XXXX XXXX, XXXX, SC XXXX, all of which I have never lived at, applied with, or been associated with, and these must be removed immediately. Additionally, a hard inquiry was made without my authorization, including XXXX XX/XX/XXXX, which violates FCRA 604 ( a ) and 605B and must be deleted.

Furthermore, I am disputing multiple charge-off and collection accounts as inaccurate, unverifiable, and potentially fraudulent. The following charge-offs are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$160.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1400.00} ), XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$0.00} ), and XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1300.00} ). Additionally, the following collection accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1600.00} ), XXXX ( Original Creditor : THE XXXX AT XXXX XXXX XXXX XXXX *, Balance {$310.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1100.00} ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$870.00} ), XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$540.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$9400.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1700.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$2100.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$100.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$520.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$340.00} ), and Original Creditor : XXXX  XXXX XXXX XXXX XXXX ( Balance {$260.00} ). I have never received bills or notices for these accounts, never authorized the services or charges, and request that the credit bureaus obtain original signed contracts, billing statements, and all documentation used to verify these debts. If such documentation can not be provided, these accounts must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I submitted a written dispute to the credit bureau regarding the XXXX XXXX XXXX XXXX collection account. The bureau responded that the account was verified, but they did not provide the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ).

I am requesting CFPB assistance to obtain the specific details of their investigation, including : The name and contact information of the person or department the bureau contacted at XXXX  The exact records reviewed to confirm the accuracy The date, method, and scope of the reinvestigation Whether an independent investigation was conducted or if the bureau simply relied on an automated e-OSCAR response Without this information, the bureau has not met its legal obligation to provide a proper Method of Verification. I am requesting that the CFPB compel the credit bureau to provide the required MOV details or delete the XXXX  account for failure to properly verify under FCRA 611 .

Company response to consumer: Closed with non-monetary relief