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 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 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: FL

Complaint narrative:
Formal DiFormal Correction Request Account : XXXX  # XXXX * * ( FCRA 1681i & 1681s-2 ) * * To whom it may concern, I am writing to demand the immediate correction and removal of a false late payment reported under the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX allegedly from the year 2021. 

This dispute has already been addressed through your process, but the outcome is inaccurate and unacceptable. There was no late payment, and the reporting of such is in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), if information can not be verified, or is confirmed to be inaccurate, it must be promptly deleted from the consumer 's credit file. Moreover, under 1681s-2 ( b ), the furnisher of information is legally obligated to correct or remove data found to be incorrect or unverifiable.

At this point, I am not requesting another reinvestigation I am demanding that you fulfill your legal obligation to correct my file and eliminate this false derogatory mark. Continuing to report this incorrect information, despite prior notice, may be considered willful noncompliance, which carries consequences under FCRA 1681n and 1681o, including statutory damages and legal liability.

Please provide written confirmation that the inaccurate information has been removed from my credit report. I also request disclosure of the name, address, and telephone number of the furnisher responsible for reporting this error. 

Sincerely, Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts were opened without my authorization and should not be on my credit report. I urge you to correct this issue by deleting them.

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: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: WY

Complaint narrative:
I opened a new U.S. Bank consumer checking account using promotional code XXXX, which offered a bonus for new account holders who had not had a U.S. Bank consumer checking account in the past 12 months. 

My previous U.S. Bank account ( ending in XXXX ) was closed on XX/XX/XXXX, according to my XXXX XXXX XXXX XXXX XXXX XXXX report. I opened the new account on XX/XX/XXXX exactly XXXX  XXXX XXXX XXXX XXXX XXXX 

Despite this, I was informed by U.S. Bank that I am not eligible for the bonus due to the prior account being closed " less than a year '' before the new one was opened. This is inaccurate based on the dates. 

I contacted U.S. Bank to explain this, but they have not corrected the issue or honored the bonus. I believe I met all the terms of the promotion and am being unfairly denied.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian received my certified dispute package on XX/XX/year> ( signed and tracked by XXXX ). They failed to comply with the XXXX furnisher notification requirement under FCRA 611 ( a ) ( 2 ), which expired on XX/XX/year>. 

I have attached all supporting documentation, including : Formal Notice of Violation Affidavit of Service Certified mail proof of delivery ( green card ) Federal Fraud Report outlining each statutory violation Experian continues to report accounts that are unverifiable, unvalidated, and have no lawful chain of title. They have taken no action. I am requesting immediate deletion of all disputed items and statutory enforcement.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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: FL

Complaint narrative:
I am writing to report identity theft that has resulted in fraudulent information being included in my credit report. I did not open or authorize the accounts currently reflected in the disputed entries.

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: Kikoff Inc.
State: GA

Complaint narrative:
NOTICE OF ENFORCEMENT AND CLAIM FOR DAMAGES Date : XX/XX/year> To : Kikoff , Inc. and XXXX  XXXX XXXX XXXX XXXX. 
Cc : Consumer Financial Protection Bureau, Federal Trade Commission From : XXXX XXXX XXXX XXXX Natural Person | Litigant | Private Trust Executor All Rights Reserved. Without Prejudice. 



FORMAL NOTICE OF DAMAGES UNDER FEDERAL LAW This serves as formal notice that I, XXXX XXXX XXXX XXXX XXXX am initiating enforcement actions and asserting a claim for damages against Kikoff, Inc. and XXXX  XXXX XXXX XXXX XXXX XXXX under full color of law, due to the following violations : 1. FCRA 1681s2 ( b ) Failure to cease reporting disputed, unverifiable, and fraudulent information ; 2. FCRA 1681i ( a ) Refusal to properly reinvestigate or delete tradelines after formal dispute and litigation notice ; 3. FCRA 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion of a removed tradeline without certification or written consumer notice ; 4. FCRA 1681n & 1681o Willful and negligent defamation, reporting harm, and denial of dispute rights ; 5. 15 U.S.C. 45 ( FTC Act ) Deceptive and retaliatory practices causing ongoing harm to the consumer. 



CLAIM FOR DAMAGES As a direct result of the conduct described above, I have suffered the following : A drop of over XXXX XXXX points due to reinserted and false late payment reporting ; Denial of access to essential financial services, housing applications, and credit-based screenings ; Loss of time, resources, and repeated effort to clear inaccuracies despite formal notice and supporting evidence ; Emotional distress, reputational injury, and economic loss stemming from retaliatory credit damage.

I am seeking the following remedies : 1. Permanent deletion of the Kikoff tradeline and any reinserted payment history across all CRAs ; 2. Statutory damages under FCRA 1681n and 1681o, including {$1000.00} per violation, plus punitive damages for willful misconduct ; 3. Formal written admission and correction of the errors by both parties, including reinvestigation results and suppression of further data sharing ; 4. Enforcement action and monitoring by CFPB and FTC due to ongoing, unresolved legal violations and evidence of coordinated misconduct. 



This letter constitutes final notice and demand. If you do not comply within the applicable legal timeframe, I will initiate additional legal action and pursue full redress in court under all applicable state and federal laws. 

Govern yourselves accordingly. 



Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Notice to agent is notice to principal. Notice to principal is notice to agent. 
I am writing to formally notify you of your violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( c ) and the Fair Debt Collection Practices Act ( FDCPA ). Despite my complaints filed with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, you have failed to mark disputed accounts as in dispute on my credit report. Additionally, XXXX XXXX has improperly reported a collection account with a balance of {$490.00} and {$660.00}, which I have not authorized nor been disclosed, violating FDCPA provisions. 
The accounts are inaccurately reported and should be marked as disputed pending investigation. 
I have enclosed evidence supporting my dispute, including CFPB complaint confirmations and documentation of unauthorized reporting by XXXX XXXX. Your failure to update my credit report and XXXX  unlawful reporting have significantly harmed my credit score and reputation. 
Furthermore, I requested proper evidence that the XXXX XXXX debt belongs to me, including a purchase agreement and chain of assignment to confirm the companys ownership. Despite these requests, no proof has been provided, rendering this debt unverifiable. Under 15 U.S.C. 1681i, I assert my congressional rights to a detailed description of the investigation if this account is verified, which you are legally obligated to furnish. 
Under 15 U.S.C. 1681n, willful noncompliance with FCRA requirements is liable for : XXXX. Actual damages or statutory damages of {$100.00} to {$1000.00} ; XXXX. Punitive damages as allowed by the court ; and XXXX. Reasonable attorneys fees and costs in a successful action. 
Under 15 U.S.C. 1681o, negligent noncompliance results in liability for actual damages, attorneys fees, and costs. Furthermore, under 15 U.S.C. 1692c, XXXX XXXX communication without my consent violates FDCPA. 

Failure to comply within XXXX  days may compel me to pursue arbitration or litigation. I hope we can resolve this matter promptly to avoid such measures. 
Thank you for your immediate attention to this matter.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a A rental property account under XXXX XXXX XXXX the original creditor being XXXX at the stadium XXXX. A car loan under XXXX XXXX XXXX the original creditor is XXXX XXXX XXXX. A mobile phone account under XXXX XXXX XXXX the original creditor being XXXX XXXX. A mobile phone account under XXXX XXXX XXXX  the original creditor XXXX XXXX XXXX. 
. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase claim number XXXX opened a business banking account back in XX/XX/year>. I went into the local branch provided all information needing and verified everything and opened an account. I was told that to fund the account so that it remains open .. on XXXX XXXX I funded the account via XXXX because I didnt have a card, so while waiting on a card to come to have full access to my account I had a friend XXXX me my own money into my business account which was successful. The XXXX transaction numbers for these deposits were XXXX for {$2000.00} and an additional one transaction number XXXX for {$1500.00} all on XX/XX/year> .. within a mater of days i received multiple text and emails and calls stating to call in that there has been something wrong with my account, mind you I still have yet to receive a debt card or use my account besides funding it through a friend. I called in they told me that my account is being shut down and that they dont need to provide a reason, while pleading trying to figure out whats going on they said it will not remain open. So at this point all I cant think about is getting back my money that I deposited a few days earlier to fund my account. Come to find out my money was stolen and XXXX out with out my knowledge or permission. Months went by I never heard any word or received anything concerning my stolen money. XX/XX/year> I called in to see whats going on and had to file an additional claim. On XX/XX/year> Im told the claim was denied because they found no evidence of it being fraudulent or something to that matter and that I would have to contact the merchant or the person. Well how will I contact the merchant or person if I never even did any transactions on the account in the first place. The account was never used by me at all besides a deposit. Theres no history between me or whoever may have stolen my information to take my money. J.P. Morgan chase are vile people and are doing something very unethical by trying to steal my money.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Incorrect information not being removed Additional comments ( required ) These accounts is fraudulent under FCRA Section 605B. I am a victim of identity theft. I did not open this account.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
This is a follow-up complaint because Equifax failed to comply with the Fair Credit Reporting Act ( FCRA ) 605B after I submitted a complete identity theft dispute package. 

There is a fraudulent hard inquiry from XXXX XXXX, dated XX/XX/year>, on my Equifax credit file. I did not authorize this inquiry, have no relationship with XXXX, and did not apply for credit with them. 

In response to this identity theft, I submitted : An FTC Identity Theft Report A notarized Identity Theft Affidavit A copy of my government-issued ID Proof of address Equifax failed to remove the unauthorized inquiry and responded with a generic statement claiming inquiries are a factual record of file access, ignoring their obligations under FCRA 605B . They did not : Block the item within 4 business days, as required by law Provide any verification from XXXX XXXX  Explain how the inquiry was verified as accurate Offer a resolution or next steps The FCRA is clear : upon receipt of proper identity theft documentation, a consumer reporting agency must block the disputed information from appearing in a consumer report unless the furnisher verifies the information as accurate. Equifax did not follow this process and has not shown any documentation from XXXX XXXX  confirming authorization.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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