vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: U.S. BANCORP
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Subject : Formal Dispute Illegal and Inaccurate XXXX  Reporting by U.S. Bank Dear U.S. Bank and XXXX, I am submitting this formal dispute against U.S. Bank Corporation regarding the unlawful reporting of a business account on my personal XXXX report. Under 15 U.S.C. 1681a ( d ) ( 1 ), this information should not appear on my personal file.

Disputed Account Details : Bank Name : U.S. Bank Corporation Address : XXXX XXXX XXXX, XXXX, OH XXXX Reported For : Account Abuse Date of Closure : XX/XX/year> RTN/Account Number : XXXX / XXXX Original Charge-Off Amount : {$110.00} Closure Status : Unpaid ( As of XX/XX/year> ) Violations of Federal Law : Illegal Business Account Reporting Per 15 U.S.C. 1681a ( d ) ( 1 ), business accounts should never appear on a personal consumer report.

Failure to Validate the Debt Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), furnishers must provide verifiable proof of the debt upon dispute, which U.S. Bank has failed to do.

Furnishing Inaccurate Information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting of inaccurate or unverifiable information. 
Failure to Conduct a Proper Investigation 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate disputes before verifying data as accurate.

Requested Resolution : Immediate removal of this illegally reported business account from my personal XXXX report. 
Written confirmation of its deletion.

An investigation into U.S. Banks unlawful reporting practices.

Noncompliance may result in legal action. 

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 2025-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
My loan 's interest rate constantly changed from 0 % to 5.3 %. We called multiple times and were told the interest would be credited back to our account at regular intervals. It accumulated to {$2900.00}. Now we are being told this interest will not be credited back to our account under the SAVE program. We would have gladly made payments to avoid the interest from capitalizing if we were told when we called as it was our understanding from them that this interest WILL be reimbursed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank double cash Mastercard account with {$10000.00} credit limit.

Bank rules never taught. You can not be DENIED credit due to credit score, credit history, or income. Any adverse action in a consumers credit transactions illegallllllll.

15 United States Code 1691 I.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. There are several inaccurate accounts and inquiries on my 3 credit reports that I didnt give authorization or permission to open these accounts

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 2025-03-11 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: NY

Complaint narrative:
I am writing to formally demand that Experian immediately correct the blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws due to your failure to accurately report my credit information. Your negligent and unlawful actions have severely harmed my credit score and resulted in unjust denials of credit opportunities. I will not tolerate further damage caused by your failure to comply with federal law. 

Despite my XXXX  XXXX bankruptcy discharge, Experian continues to report charged-off accounts and late payments on my credit fileaccounts that should have been permanently removed or updated to reflect a XXXX balance and Discharged in Bankruptcy. Your actions constitute gross negligence and a willful violation of the following laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) : You have failed to maintain and follow reasonable procedures to ensure maximum possible accuracy in my credit report.

FCRA - 15 U.S.C. 1681b : Improper use of my credit report without permissible purpose.

FCRA - 15 U.S.C. 1681s-2 ( b ) : Failure of data furnishers to properly investigate and correct disputed information.

FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You have not conducted a reasonable reinvestigation of inaccurate items upon dispute, as required by law.

FCRA - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : You have reported information with knowledge of its inaccuracy.

FCRA - 15 U.S.C. 1681n : Your willful noncompliance with the FCRA entitles me to statutory damages, punitive damages, and attorneys fees.

FCRA - 15 U.S.C. 1681o : Your negligent noncompliance has directly harmed me financially, leading to repeated credit denials.

FCRA - 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting of collection accounts or charged-off debts older than seven years.

FCRA - 15 U.S.C. 1681m ( a ) : Requires credit bureaus to provide consumers with notice when adverse credit actions are taken based on their reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally demand that Experian immediately correct the blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and any other applicable consumer protection laws due to your failure to accurately report my credit information. Your negligent and unlawful actions have severely harmed my credit score and resulted in unjust denials of credit opportunities. I will not tolerate further damage caused by your failure to comply with federal law. 

Despite my XXXX  XXXX bankruptcy discharge, Experian continues to report charged-off accounts and late payments on my credit fileaccounts that should have been permanently removed or updated to reflect a XXXX balance and Discharged in Bankruptcy. Your actions constitute gross negligence and a willful violation of the following laws : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) : You have failed to maintain and follow reasonable procedures to ensure maximum possible accuracy in my credit report.

FCRA - 15 U.S.C. 1681b : Improper use of my credit report without permissible purpose.

FCRA - 15 U.S.C. 1681s-2 ( b ) : Failure of data furnishers to properly investigate and correct disputed information.

FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You have not conducted a reasonable reinvestigation of inaccurate items upon dispute, as required by law.

FCRA - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : You have reported information with knowledge of its inaccuracy.

FCRA - 15 U.S.C. 1681n : Your willful noncompliance with the FCRA entitles me to statutory damages, punitive damages, and attorneys fees.

FCRA - 15 U.S.C. 1681o : Your negligent noncompliance has directly harmed me financially, leading to repeated credit denials.

FCRA - 15 U.S.C. 1681c ( a ) ( 4 ) : Prohibits reporting of collection accounts or charged-off debts older than seven years.

FCRA - 15 U.S.C. 1681m ( a ) : Requires credit bureaus to provide consumers with notice when adverse credit actions are taken based on their reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The errors on my report are making it harder for me to access opportunities and are unfairly damaging my scores. Its beyond frustrating to deal with setbacks caused by mistakes that are not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AC AutoPay LLC, Denver, CO Branch
State: GA

Complaint narrative:
On or around XXXX XXXX, I financed a XXXX XXXX XXXX. The company was autopay. The agent XXXX XXXX knowingly falsified the odometer readings and finding which per Georgia code 40 85 it is illegal and wrongful to tamper with and falsify odometer statements. This has been reported to the local authorities. Due to neglience the vehicle is unable to be registered with the dmv and vehicle can not be driven. Finance company has been asked to recover the vehicle and also to discontinue any reporting to my credit history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am requesting method of verification for my recent dispute. 

Provide method of verification for dispute results The accounts in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Under the FCRA and Metro 2 compliance standards, you are required to ensure that the information furnished is accurate, complete, and verifiable. I request that you provide the following : 1. The specific method used to verify this account. 
2. The name and contact details of the entity that verified this information. 
3. A copy of all documentation or communications received from the data furnisher to validate this account. 
4. Confirmation that the furnisher complied with Metro 2 guidelines, ensuring compliance with e-OSCAR procedures and proper reporting formats.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
I am requesting method of verification for my recent dispute. 

Provide method of verification for dispute results The accounts in question : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXX Late Payment reported : XX/XX/XXXX Under the FCRA and Metro 2 compliance standards, you are required to ensure that the information furnished is accurate, complete, and verifiable. I request that you provide the following : 1. The specific method used to verify this account. 
2. The name and contact details of the entity that verified this information. 
3. A copy of all documentation or communications received from the data furnisher to validate this account. 
4. Confirmation that the furnisher complied with Metro 2 guidelines, ensuring compliance with e-OSCAR procedures and proper reporting formats.

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 2025-03-11 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.

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 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: Self Financial Inc.
State: FL

Complaint narrative:
i have a credit inquiry still on my credit from something i didnt cause,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 XXXX 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 non-monetary relief
Consumer complaint received 2025-03-11 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: OH

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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: MN

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief