vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am filing this complaint regarding a fraudulent credit account that has been reinserted into my credit report without the proper notice, documentation, or legal compliance required by the Fair Credit Reporting Act ( FCRA ).

I submitted an official FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXX ) which documents that the following account was fraudulently opened in my name : Company : XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX This account was previously disputed and removed. However, it has been reinserted into my credit file without notification. According to FCRA 611 ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information : The agency must provide the consumer with written notice within 5 business days of the reinsertion. This notice must include the name, address, and phone number of the furnisher who provided the reinserted information. I never received this legally required notification, nor was I informed of the furnisher responsible for the reinsertion. This is a direct violation of my consumer rights and has negatively impacted my creditworthiness and financial well-being. Fair Resolution Requested : 1. Immediate and permanent deletion of the
 XXXX XXXX account from all credit reports ( Equifax, Experian, and TransUnion ).

2. Written confirmation from each credit bureau stating that the account will not be reinserted again unless they fully comply with FCRA 611.

3. An investigation into how this reinsertion occurred without notification, and whether XXXX XXXX XXXX or any third-party furnisher violated FCRA 623 ( a ) ( 6 ) by re-reporting fraudulent information. 4. Full restoration of my credit profile to ensure I am not penalized for any debt or delinquency related to this account. I respectfully request the CFPBs assistance in investigating this violation and enforcing accountability to ensure compliance with federal law. Enclosed is my FTC Identity Theft Report for verification.
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 2025-07-10 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:
Dear CFPB Representative, I am filing this formal complaint regarding the unauthorized reinsertion of a previously disputed and deleted fraudulent account into my credit report. This action violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

On XX/XX/XXXX, I submitted a valid FTC Identity Theft Report ( Report # XXXX ), identifying an XXXX XXXX issued by XXXXXXXX XXXX as fraudulent. The account was originally disputed and removed, but has since been reinserted into my credit report without notice, which is a direct violation of FCRA reinsertion procedures. 

Fraudulent Account Details : Furnisher : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Under FCRA 611 ( a ) ( 5 ) ( B ), if an account is reinserted into a consumers file after being deleted following a dispute, the credit reporting agency must : Notify the consumer in writing within 5 business days of the reinsertion, and Include the name, address, and phone number of the furnisher that supplied the reinserted data. 

I received no such notice. Additionally, my personal and employment information on the credit report is incorrect and includes false identifiers such as : Names : XXXX XXXX, XXXX XXXX XXXX Employment : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Fair Resolution Requested : 1. Permanent deletion of the fraudulent XXXX XXXX ( XXXX XXXX ) account from all credit reports ( XXXX, Equifax, and XXXX ). 
2. Written confirmation that the account will not be reinserted unless full compliance with FCRA reinsertion procedures is followed. 
3. Blocking of identity theft-related information under FCRA 605B, including inaccurate names and employment data. 
4. Investigation into the furnisher ( XXXXXXXX XXXX ) to determine whether a violation of FCRA 623 ( a ) ( 6 ) occurred by re-reporting disputed, fraudulent information. 
5. Restoration of my credit file and creditworthiness, ensuring I am not held responsible for any charges, balances, or negative marks tied to this account. 



Enclosed is my FTC Identity Theft Report for reference. I respectfully request your investigation and assistance in ensuring these violations are corrected and prevented from recurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> ( Unauthorized Fraud Huntington National Bank XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these inquiries are UNAUTHORIZED. I have contacted each company with my concerns and informed them I had not applied for any credit with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Fifth Third Bank XX/XX/year> ( Unauthorized Fraud XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> All of these inquiries are UNAUTHORIZED. I have contacted each company with my concerns and informed them I had not applied for any credit with these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Sent letter on XX/XX/year> & XX/XX/year> to Barclay. Received response from first letter stating that the information being reported in accurate. It is NOT accurate!

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 2025-07-10 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: EQUIFAX, INC.
State: SC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
This is a formal complaint regarding the recent data breach at XXXX on or about XX/XX/year>. I was notified of this incident on XXXX XXXX, and it is understood my personal information may have been compromised. 
The breach involved personal information. The information potentially accessed my name, address, Social Security number, financial account information. 
This breach raises concerns about potential identity theft and other financial harm. Actions taken to protect oneself include : placing a fraud alert on my credit report. 
The letter requests that XXXX provides the following : A clear description of the data breach, including its scope and impact on personal information. 
The specific measures taken to remedy the situation and prevent future breaches. 
Details about any services offered to affected individuals, such as credit monitoring or identity theft protection services, and instructions on how to utilize them. 
A prompt response to this complaint and a clear explanation of the steps being taken to safeguard information and prevent similar incidents from occurring in the future are expected. Copies of the data breach notification letter received from the company are attached for review Thank you for your attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This is a formal complaint regarding the recent data breach at XXXX  on or about XX/XX/year>. I was notified of this incident on XXXX XXXX, and it is understood my personal information may have been compromised. 
The breach involved personal information. The information potentially accessed my name, address, Social Security number, financial account information. 
This breach raises concerns about potential identity theft and other financial harm. Actions taken to protect oneself include : placing a fraud alert on my credit report. 
The letter requests that XXXX provides the following : A clear description of the data breach, including its scope and impact on personal information. 
The specific measures taken to remedy the situation and prevent future breaches. 
Details about any services offered to affected individuals, such as credit monitoring or identity theft protection services, and instructions on how to utilize them. 
A prompt response to this complaint and a clear explanation of the steps being taken to safeguard information and prevent similar incidents from occurring in the future are expected. Copies of the data breach notification letter received from the company are attached for review Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I reached out to Synchrony Bank XXXX times and get the matter resolve and received XXXX different responses. I contacted XXXX XXXX XXXX to investigate the matter and the results received were that the results were verified as accurate, which I disagree with the results and have added a statement to my XXXX report and plan to do the same with the other XXXX reporting agencies. 

In XX/XX/XXXX, I enrolled in the SYNCB XXXX XXXX  XXXX XXXX XXXX XXXX. As part of the program, my account was permanently closed, monthly payments were reduced, and my APR was set to XXXX percent for the duration of the plan. However, in XX/XX/XXXX, my account was charged XXXX in interest due to an expired promotion. This charge contradicts the terms of the assistance plan. Therefore, my balance should be reduced by XXXX to reflect the improper interest charges.

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 2025-07-10 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: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 
Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( XXXX XXXX XXXX XXXX {$18.00} XXXX ; XXXXXXXX XXXX XXXX {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXXXXXX XXXX XXXXXXXX

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
I financed a vehicle through Carvana on XX/XX/year>, and it was delivered to me shortly after. I purchased insurance for the car through XXXX on my own, but I was not aware that my policy did not include collision coverage only liability. 
Carvanas own website clearly states that full coverage insurance, including collision and comprehensive, is required for any vehicle financed through them. However, Carvana delivered the vehicle to me without ever verifying that my insurance met those requirements. I never received any warning or notification that my insurance was incomplete. 
On XX/XX/year>, I was involved in a car accident that resulted in the vehicle being totaled. Because I did not have collision coverage, there is no insurance payout to cover the remaining loan balance and I am now left with a totaled vehicle and a large debt I can not afford. 
I believe Carvana failed to follow its own policy by not verifying my insurance coverage prior to delivery. Had they enforced the required insurance checks, I would have had the opportunity to correct the policy and avoid this financial hardship. 
I am requesting a formal review of this issue and a resolution that includes forgiveness of the remaining loan balance, or other financial relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TN

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Since XXXX XXXX, the remaining payoff amount is {$2600.00}, while the interest rate is XXXX %, so there is no way to pay about {$30.00} interest per month ever after that. We contact the customer service department but can not get a satisfied answer, please help to check the interest I paid after that, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I recently accessed my credit report and found a hard inquiry that I firmly believe is inaccurate and fraudulent. I have not initiated any application for credit that would authorize this inquiry.

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 2025-07-10 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:
Dear CFPB Representative, I am submitting this formal complaint for violations of the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) by credit reporting agencies and data furnishers. Despite having disputed and successfully removed fraudulent accounts from my credit file, they have now been reinserted without proper notice or compliance with federal law. 

Per FCRA 611, if a previously deleted item is reinserted, the consumer must be : Notified in writing within 5 business days of the reinsertion, and Provided with the name, address, and phone number of the entity that furnished the information. 

I never received such notice, which makes the reinsertion unlawful. This is causing serious damage to my creditworthiness and financial standing. 



Fraudulent Accounts Reinserted : 1. XXXX XXXX XXXXXXXX Account # : XXXX XXXX began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX XXXX. XXXX XXXX ( XXXX ) Account # : XXXX Fraud began : XX/XX/XXXX Discovered : XX/XX/XXXX These accounts were opened without my knowledge or consent. I reported them as identity theft and filed an FTC Identity Theft Report ( Report # : XXXX ), dated XX/XX/XXXX. Despite this, the accounts have been unlawfully reinserted. 



Fair Resolution Requested : 1. Immediate and permanent deletion of all three fraudulent accounts from my credit reports with Experian, Equifax, and TransUnion. 
2. Written confirmation that these accounts will not be reinserted unless full FCRA reinsertion procedures are followed. 
3. Enforcement of FCRA 605B, which requires blocking of identity theftrelated data after submission of a valid Identity Theft Report. 
4. Investigation of XXXX XXXX XXXXXXXX and XXXX, and any third-party furnishers, for violating FCRA 623 ( a ) ( 6 ) by re-reporting previously disputed fraudulent data. 
5. Restoration of my credit report, including removal of all derogatory references tied to these accounts. 
6. CFPB oversight and enforcement to ensure that credit bureaus and furnishers are held accountable for unlawful practices. 



Thank you for your attention to this matter. I trust the CFPB will take prompt and appropriate action to uphold my rights under the law. Please see the enclosed FTC Identity Theft Report for documentation.

Company response to consumer: Closed with explanation