vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: IL

Complaint narrative:
Complaint Summary : I am filing this complaint to formally dispute inaccurate and fraudulent information that is being reported under my name by XXXX XXXX XXXX and the following financial institutions : XXXX XXXX XXXX XXXX XXXX US Bank These institutions have reported me as being involved in account abuse and fraud ; however, I am a victim of identity theft and did not open, authorize, or use these accounts. These accounts were fraudulently created and/or misused without my knowledge or consent. 



Details of the Disputed Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Checking Account Fraud XXXX. XXXXXXXX XXXX Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Unpaid Balance Reported XXXX. US Bank Account Number : XXXX Incident Date : XX/XX/XXXX Issue : Account Abuse Status : Settled ( I had no involvement in this account ) Actions I Have Taken : I submitted dispute letters directly to XXXX XXXX XXXX and to each individual bank. 
I filed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ). 
I filed a police report documenting the identity theft. 
I requested all supporting evidence, including signed contracts, account applications, and transaction history, under Section XXXX of the Fair Credit Reporting Act ( FCRA ). 



My Request : I am requesting that the CFPB : Investigate the failure of XXXX XXXX XXXX and the reporting banks to properly verify the disputed information. 
Ensure the immediate deletion and blocking of these fraudulent accounts from my XXXX XXXX XXXX consumer file. 
Require the reporting banks to provide full documentation or remove the accounts if they can not produce proof within the required timeframe. 



Why This is Important : The presence of this fraudulent information is damaging my financial opportunities and is causing unnecessary hardship. I am actively working to resolve this and am seeking CFPBs assistance to ensure compliance with the FCRA and to protect my consumer rights.

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 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. A fraudulent collection account from XXXX XXXX XXXX for {$2700.00} related to XXXX at XXXX XXXX has been added to my credit reports with Experian, TransUnion, and Equifax. I did not authorize or open this account, and I have submitted multiple formal identity theft documents to the credit bureaus. 

I have already provided : A police report from the XXXX County Sheriffs Office ( Report # XXXX, Tracking # XXXX ) An FTC Identity Theft Affidavit A copy of my government-issued ID Proof of my current address Despite following all legal steps under the Fair Credit Reporting Act ( FCRA ) Section 605B, the credit bureaus have failed to block or remove this fraudulent account from my credit reports.

This account was added after my reports were submitted and despite clear evidence that I am an identity theft victim. It appears to be the result of a mixed file issue involving my son, XXXX XXXX XXXX, whose name is similar to mine. 

I am requesting immediate enforcement to have this account permanently blocked under FCRA 605B. The credit bureaus have now failed to take appropriate action within the required 4-business-day window.

I am also filing separate complaints with the Florida Attorney General and the XXXX XXXX  Bureau to escalate this matter. If unresolved, I will pursue further legal action under FCRA and FDCPA statutes. 

Please hold the credit bureaus accountable for violating federal consumer protection laws, and ensure permanent deletion of the XXXX account from all three credit reporting agencies.

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 2025-06-30 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: MI

Complaint narrative:
I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( a ) ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute.

This is the second time I am disputing these accounts, and I have yet to receive a valid investigation response or supporting documentation.

Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information reported is accurate and verifiable to protect consumer rights. 
XXXX XXXX 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 I kindly request that you provide a description of the procedure used to investigate and verify each account. If you are unable to verify them with sufficient documentation, these accounts must be deleted as required by law. 

I appreciate your prompt attention to this matter and expect a full response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2025-06-30 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am disputing multiple unauthorized hard credit inquiries on my credit reports. I did not apply for credit with these companies, nor did I authorize any third party to do so on my behalf. These inquiries are negatively affecting my credit score and were not initiated by me. 

Here is a list of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 contacted the credit bureaus to dispute these inquiries and mailed formal dispute letters to each of the following addresses : XXXX XXXX XXXX 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 am requesting that these inquiries be investigated and removed from my credit reports if they are found to be unauthorized.

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 2025-06-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
COMPLAINT AGAINST EQUIFAX FOR KNOWINGLY REPORTING UNVERIFIABLE ACCOUNT FROM XXXX XXXX FCRA VIOLATION I'M FILING THIS COMPLAINT AGAINST EQUIFAX FOR CONTINUING TO REPORT AN ACCOUNT FROM XXXX XXXX THAT IS UNVERIFIABLE, LEGALLY CHALLENGED, AND REPORTED USING AN UNRECOGNIZED ACCOUNT NUMBER : ACCOUNT NUMBER : XXXX STATUS : " SETTLED FOR LESS THAN FULL BALANCE '' I HAVE REPEATEDLY REQUESTED THROUGH MY DISPUTES THAT EQUIFAX XXXX : A COPY OF THE SIGNED AGREEMENT OR CONTRACT THAT SHOWS I ENTERED INTO A LEGAL FINANCIAL OBLIGATION WITH XXXX XXXX XXXX 

THE EXACT SETTLEMENT AMOUNT, TERMS, AND PROOF OF THE " SETTLED FOR LESS THAN FULL BALANCE '' CLAIM A FULLY UNMASKED AND VALID ACCOUNT NUMBER ASSOCIATED WITH ME TO DATE, EQUIFAX HAS FAILED TO PROVIDE OR REQUIRE XXXX XXXX TO PROVIDE ANY OF THIS INFORMATION. REPORTING A SETTLED ACCOUNT WITHOUT A SIGNED AGREEMENT OR VALID LEDGER IS A CLEAR VIOLATION OF THE FOLLOWING FEDERAL STATUTES : FCRA 1681e ( b ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY FCRA 1681i ( a ) FAILURE TO REINVESTIGATE AND CORRECT INACCURATE INFORMATION FCRA 1681s-2 ( b ) FAILURE TO PROPERLY INVESTIGATE AFTER DISPUTE NOTIFICATION FCRA 1681g ( a ) FAILURE TO PROVIDE FULL DISCLOSURE OF INFORMATION ON FILE ADDITIONALLY, XXXX XXXX XXXX GUIDELINES REQUIRE THAT FURNISHED ACCOUNT NUMBERS BE TRACEABLE TO A VALID AGREEMENT, AND THAT ALL DEROGATORY STATUS REPORTING ( SUCH AS XXXX LATES OR SETTLEMENTS ) BE FACTUALLY SUPPORTED. EQUIFAX IS PERMITTING XXXX TO REPORT AN ACCOUNT IN VIOLATION OF THESE INDUSTRY STANDARDS.

THIS ACCOUNT IS NOT ONLY INACCURATE IT IS UNVERIFIABLE. THEREFORE, CONTINUED REPORTING CONSTITUTES WILLFUL NONCOMPLIANCE UNDER FCRA 1681n AND NEGLIGENT NONCOMPLIANCE UNDER FCRA 1681o.

I DEMAND THAT EQUIFAX : IMMEDIATELY REMOVE THE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT PROVIDE WRITTEN DOCUMENTATION OF THE PROCEDURE USED TO " VERIFY '' THIS ACCOUNT IDENTIFY THE DATA FURNISHER WHO ALLEGEDLY VERIFIED THIS ACCOUNT ISSUE A CORRECTED COPY OF MY CONSUMER DISCLOSURE ONCE THE ITEM IS REMOVED FAILURE TO COMPLY WITH THIS REQUEST WITHIN XXXX CALENDAR DAYS WILL PROMPT : A COMPLAINT TO THE FEDERAL TRADE COMMISSION ( FTC ) A COMPLAINT TO THE ATTORNEY GENERAL IN MY STATE LEGAL ACTION FOR DAMAGES RESULTING FROM WILLFUL AND NEGLIGENT VIOLATIONS OF MY RIGHTS UNDER FEDERAL LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
This is a supplemental complaint related to CFPB XXXX # XXXX. 

I am submitting additional documentation to prove that my payment to Dillards ( Citibank ) was made in full and on time, yet I continue to be reported as delinquent. The original dispute included bank records and confirmation of bill pay. Since then, Dillards has refunded my payment, then falsely claimed I still owe the balanceand even increased it. 

Despite clear proof, this account is still harming my credit. Im requesting the CFPB to fully review the attached documentation and require the creditor to : Correct or delete the negative tradeline. 

Remove all false charges and late payment reporting. 

Confirm in writing that the matter is resolved. 

I have contacted Dillards/Citibank about this issue since XXXX, yet as of XXXX, my XXXX report still shows a XXXX delinquency for XXXX, even while listing the account as current. The timing is not only inaccurate, but it also contradicts the fact that I paidand later had the payment mysteriously returned to me. This has affected my FICO score across multiple bureaus, including XXXX XXXX, and XXXX 


A signed PDF document and bank evidence are included with this supplemental complaint. Thank you for your help resolving this ongoing issue.

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 2025-06-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
Lender will not process VA Construction Loan to permanent Threatening foreclosure. Default was caused by builder. All requirements have been made but lender charging interest payments still. All requirements been met XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

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 2025-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: MECHANICS BANK
State: CA

Complaint narrative:
I was notified in XX/XX/XXXX that effective XX/XX/XXXX my auto loan servicing through Mechanics Bank Auto Finance loans would be transferred to XXXX XXXX XXXX for servicing. 

After XX/XX/XXXX I contacted XXXX XXXX XXXX on numerous occasions to verify that my loan had been transferred and was told repeatedly that they had no record of my account and that they would check into it and get back to me. Attempts to verify with Mechanics Bank were futile as any calls to them were transferred through a recording back to XXXX XXXX XXXX. 

I was able to obtain a copy of the Payment History on my account and noticed that Mechanics Bank Auto Finance listed the loan as a " Charge Off '' on XX/XX/XXXX for a principal balance of {$11000.00}. However they continued to accept and apply monthly payments to the principal ( {$11000.00} ) which as of XX/XX/XXXX shows the remaining principal balance at {$130.00}. 

On XX/XX/XXXX I received a letter from Mechanics Bank Auto Finance indicating the loan payoff amount for my account was {$2200.00}. 

Prior to the XX/XX/XXXX transfer of my account to XXXX XXXX XXXX I continued to make the XXXX through XXXX XXXXXXXX  monthly payments in the amount of {$290.00} to Mechanics Bank.

I would like to know how Mechanics Bank arrived at the payoff amount of {$2200.00}. Was this uncollected interest because they listed the account as a " Charge Off '' and applied all payments to the principal balance only ( {$11000.00} ) and if the XXXX through XX/XX/XXXX payments were applied as interest payments. 

I would hope if Mechanics Bank has reported this account to the credit bureaus they would correct this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
I am reporting that a fraudulent account was opened in my name without my knowledge or authorization. The account in question is associated with XXXX XXXX account number XXXX and XXXX XXXX XXXX account number XXXX. 

I did not apply for or authorize this account, and I have no relationship or agreement with either of these entities. I believe this account was opened using my personal information without my consent. This is a clear case of identity theft. 

This fraudulent account has been reported to the major credit reporting agencies and is negatively impacting my credit file. In accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692g ), I am formally requesting the removal and permanent blocking of this account from my credit reports.

I have also sent dispute letters to the credit bureaus and am in the process of submitting any additional documentation they require, including a copy of this FTC Identity Theft Report, to complete their 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please remove these hard inquiries. I do not recognize them. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX To Whom It May Concern, RE : Notice of Dispute and Demand for Immediate Removal of All Collection This letter serves as a formal notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, regarding an alleged collection account you are reporting on my Experian credit file.

I dispute the accuracy, validity, and legal standing of this alleged debt and demand complete deletion of the account from all consumer reporting agencies, including but not limited to Experian, Equifax, and TransUnion, for the following legal reasons : 1. Failure to Validate As required under FDCPA 809 ( 15 USC 1692g ( b ) ), you must cease collection activities until you provide proper written validation of the debt, including : o Signed contract bearing my signature o Full chain of title ( proof of assignment from original creditor to you ) o Full accounting from day one o Explanation of how the amount was calculated 2. Re-aging and Reporting Violations Any inaccurate date reporting, such as updating " last activity '' to make it appear newer, is a direct violation of FCRA 605 ( c ). Such manipulation is illegal and grounds for immediate deletion.

3. Lack of Permissible Purpose Under FCRA 604, you are required to have permissible purpose to access or report my consumer data. You must prove this immediately. 
4. Emotional Distress and Damages Continued reporting of inaccurate or unverifiable accounts may be construed as willful noncompliance, making you liable for actual and punitive damages under FCRA 616 & 617 and FDCPA 813. Legal counsel is prepared to initiate a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue a private right of action.

5. 30-Day Compliance Notice If you can not fully validate the alleged account and prove your legal authority to report and collect on this debt within 30 days, you are to delete the account in full from all consumer reporting agencies or face further legal action.

You are to cease all collection efforts, calls, and reporting unless and until this matter is resolved to full federal compliance. 
Govern yourself accordingly. 
Sincerely, 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I requested a reinvestigation of the discrepancies in my consumer report, where all information must be accurate across all consumer reporting agencies. This account, which I am leaving here below, shows inconsistencies between them, which is why I demand that they be removed from my consumer report immediately. FROM XXXX BANK

Company response to consumer: Closed with non-monetary relief