vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
I have obtain a copy of my credit report and noticed that their are several inaccuracies on my account. this account is hurting my ability to obtain credit It is my understanding that you will investigate these items for me to ensure accuracy. He is the item I am asking you to verify as accurate. 
account name XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
At approximately XXXX XXXX on this date ( XX/XX/XXXX ) my wife and I were making a cash withdrawal at the Regions Bank, located at XXXX XXXX XXXX XXXX Fl XXXX. The attending teller XXXX XXXX XXXX who was given our withdrawal form, and my Florida driver license, stated she would send a code to my cellular device to confirm my identity. I ask to speak to a XXXX being a long time customer of that bank XXXX ( actually a customer of XXXX XXXX  when it merged into Regions bank in XXXX ). XXXX XXXX said she did not know me, when in fact she has attended to us in the past. I told her she had recently started working for regions bank/ or that branch within the last few months, so did not know maybe a lot of customers. Then she scanned my driver license which was issued in XXXX. I asked why she scanned my driver license, which was issued to me so many years ago, and already on their customer profile of me. She answered saying she was doing her job, and did not have to explain herself to me. I explained to her that under the Truth In Savings Act ( TISA ) any activity she was conducting with my account, she had to explain what was taking place with my transaction when asked. She then stopped the transaction saying she was refusing to wait on us until the XXXX was involved. I showed her how long we have been customers there ( showing an XXXX XXXX  deposit slip with matching account number ). Branch XXXX XXXX XXXX XXXX eventually became involved. I explained that she swiped/ copied my driver license that had been issued so many years ago, and was already listed on their banking profile of me as a customer. She only responded saying she ( XXXX XXXX ) was doing her job. I explained that under XXXX they had to explain why that was taking place. XXXX XXXX would only say she was doing her job. The transaction was completed, with us never receiving an explanation as to why that had taken place. Our transaction with us as long time customers was not explained as requested, leaving us to wonder what had taken place ( meant to be harassing in nature, nefarious or otherwise ). We left never being told why my long ago issued driver license ( on their profile of me ) was scanned. An explanation as to that action should have been provided to me, not being told she is just doing her job. I believe this constitutes a violation of the Truth In Savings Act ( TISA ). I believe that someone from Regions bank should reach out to us to explain why the driver license was scanned, when in fact it was already in their system with no changes made to it. I appreciate your involvement in this matter, respectfully 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my consumer reports and noticed that I had ( 1 ) a late payment on an account that was NEVER late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy. I have never been late on payments for the account XXXX  XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to " on time '' as they should be, as I was NEVER late. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
I reviewed my consumer reports and noticed that I had ( 1 ) a late payment on an account that was NEVER late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum accuracy. I have never been late on payments for the account XXXX  XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments to be updated to " on time '' as they should be, as I was NEVER late. Thank you!!

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 2025-08-15 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXExperian XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXSubject: Final Demand for Immediate Deletion of Inaccurate Accounts  FCRA Violations & CFPB Complaints Filed\n\nTo Whom It May Concern,\n\nThis is my final and formal demand for the immediate deletion of all accounts and entries you are reporting inaccurately on my credit file. The continued reporting of false, unverified, and damaging information is a direct and willful violation of the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681 et seq.\n\nI have already filed formal complaints with the Consumer Financial Protection Bureau (CFPB) against your agency for these violations. These complaints will be included as part of my record in any legal proceedings against you.XXXXUnder 15 U.S.C.  1681i(a), you are required to conduct a reasonable reinvestigation of disputed items within 30 days. If you cannot provide full, documented proof from the original creditor that the accounts are 100% accurate, you are legally obligated to delete them immediatelynot update, not correct, but delete.\n\nYour obligations under 15 U.S.C.  1681e(b) to ensure maximum possible accuracy are non-negotiable. Continuing to publish false or unverifiable data constitutes willful noncompliance under 15 U.S.C.  1681n and negligent noncompliance under 15 U.S.C.  1681o, both of which carry statutory damages, attorneys fees, and court costs.\n\nThis letter is not a requestit is a demand:\n\t1.\tRemove all accounts you are reporting inaccurately from my credit file immediately.\n\t2.\tProvide me with written confirmation of each deletion.\n\t3.\tCease all future reporting of any unverifiable or inaccurate data.\n\nFailure to comply in full within the FCRAs mandated timelines will result in immediate escalation, including legal action in federal court for every individual violation, in addition to my already pending CFPB complaints.\n\nThis correspondence is being sent via Certified Mail  Return Receipt Requested to establish the date of your receipt and to hold you accountable to the federal deadlines.\XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened fraudulently and are the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-14 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: MA

Complaint narrative:
I am filing this complaint against all three nationwide consumer reporting agencies for continuing to report inaccurate and unverifiable information despite my formal disputes and demands for deletion under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I sent each bureau a formal dispute letter identifying specific violations and requesting the method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 7 ). This statute clearly requires the credit reporting agencies to provide the method of verification within 15 days after my request. 
The following accounts are in dispute : XXXX XXXX XXXX XXXX Auto Legal Violations by All Three Bureaus : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information. 
15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification within 15 days of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-15 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding an installment loan with OppLoans ( Opportunity Financial , LLC ). I previously repaid this loan and had no further contact until OppLoans resumed outreach in XXXX XXXX years after my last payment in XX/XX/XXXX. This timing exceeds the four-year statute of limitations for debt collection in XXXX. 

On XX/XX/XXXX, I sent a formal cease communication and dispute letter to OppLoans listed XXXX address via XXXX XXXX Mail. That letter was never accepted and was ultimately returned. As a result, I sent follow-up dispute letters on XX/XX/XXXX, XXXX to the same XXXX address and XXXX to a servicing location in XXXX, XXXX. 

Despite my original request, OppLoans continued to contact me by both phone and email after receiving my initial letter, in what I believe was a violation of the FDCPA. Contact only stopped after receipt of my XXXX letters. 

I am filing this complaint to ensure : No future credit reporting to any major CRA or alternative data providers ( such as XXXX XXXX, XXXX, or XXXX ) ; No sale or reassignment of this time-barred debt to a third-party collector ; No additional billing attempts or contact in violation of my written notices and consumer rights. 

I respectfully ask that this complaint be noted and retained in case of any future violations by OppLoans or its successors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am disputing inaccurate, inconsistent, and misleading reporting of my closed credit card account with Navy Federal Credit Union. 

The account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was charged off in XX/XX/year> for {$8300.00} and written off for {$5900.00}. Despite this, XXXX XXXX continues to report the account as past due and in dispute across multiple credit bureaus, which is inconsistent with the true nature of a charge-off. 

For example : XXXX  lists a High Credit of {$0.00} with the remark Subscriber reports dispute resolved consumer disagrees. Unpaid balance reported as a loss by the credit grantor. 

XXXX  lists a High Credit of {$8500.00} with the remark Charged off as bad debt. Dispute resolved ; customer disagrees. 

These discrepancies violate FCRA 607 ( b ) ( requirement for maximum possible accuracy ) and FCRA 623 ( a ) ( 1 ) ( A ) ( prohibition against furnishing information known to be inaccurate ). 

XXXX and XXXX Issues : Under equitable principles ( XXXX XXXX XXXX XXXX XXXX XXXX  ), a party can not benefit from wrongful conduct. When an account is charged off, the debt is often sold, assigned, or placed into a securitized trust. If this account was securitized, then the legal interest belongs to the trust and not to XXXX XXXX. Only the duly authorized trustee may enforce or furnish information about the account. Without providing the XXXX and XXXX XXXX ( XXXX ), trust documentation, and a full chain of title, XXXX XXXX can not prove it has legal standing to continue furnishing or collecting on this account. 

Tax Compliance Concerns : Further, I have concerns that XXXX XXXX did not issue a required IRS Form XXXX for the tax year XXXX  for the charged-off amount. This may be a violation of IRS reporting obligations. I will be filing an IRS Form XXXX to request an investigation into possible tax compliance violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief