vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-11-10 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: NC

Complaint narrative:
I signed up with Self.inc they are a credit builder company that helps consumers build there credit. I signed up for there credit builder account on XXXX XXXX XXXX XXXX and made on time payments up until XXXX XXXX XXXX  in which it was paid off. Now, I also opened a credit card account with self on XXXX XXXX XXXX I have always made payments on time. I received an email from Self stating that my credit card account was closed. I am not sure why it was closed and reported as closed to the credit bureau but it has caused my credit to drop XXXX points because of the closure. This is not good credit practice and effects me as a whole. Self has not contacted me nor am I able to get in contact with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This letter is being sent in connection with a complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and to formally request validation of the alleged debt being reported under my name on my credit report. 

The account is listed as follows : Type : Telecommunication/Cellular Account Status : Open Remarks : Consumer disputes this account information Creditor : XXXX XXXX XXXX XXXX, TX Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this debt, including : 1. A copy of the original signed agreement or contract for the alleged account, 2. The complete billing and payment history, XXXX. Documentation proving XXXX XXXX legal right to collect or report this debt, and 4. Verification that all information being reported to the credit bureaus is accurate and compliant with the Fair Credit Reporting Act ( FCRA ).

Until this debt has been fully validated, please cease all collection and reporting activity. If you can not provide proper documentation within the required timeframe, I request that this account be removed from all consumer credit reports immediately. 

Please send your written response to the mailing address provided above within 30 days as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AR

Complaint narrative:
I am disputing inaccurate items appearing in my credit report. The Fair Credit Reporting Act protects my right to accuracy in reporting. Section 609 ( a ) ( 1 ) ensures I can review my file and dispute incorrect information. Section 611 ( a ) ( 1 ) ( A ) requires you to investigate and delete inaccurate or unverifiable information within 30 days. Section 607 ( b ) requires maximum possible accuracy when reporting consumer data. 
Late Closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX  Balance Owed : {$0.00} CANNON XXXX XXXX * XXXX XXXX : {$4500.00} FCO XXXX * Balance Owed : {$2100.00} XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-10 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:
Subject : URGENT : Identity Theft Deletion Police Report # XXXX | CFPB # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX | XXXX XX/XX/XXXX TransUnion LLC I am a victim of identity theft. XXXX XXXX Report # XXXX ( attached ) proves my SSN was exposed on the dark web via XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I DID NOT open these XXXX fraudulent accounts on my TransUnion report : XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX Auto Finance # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX  # XXXX XXXX  / XXXX  # XXXX LEGAL DEMAND : - FCRA XXXX ( XXXX U.S.C. XXXX ) : IMMEDIATE DELETION required - FCRA XXXX ( XXXX U.S.C. XXXX ) : XXXX investigation I already filed CFPB Complaint # XXXX for your prior failure. 

WITHIN XXXX BUSINESS DAYS : XXXX. DELETE all XXXX accounts XXXX. Email confirmation + updated report Failure = escalation to FTC, CA XXXX, and lawsuit. 

Attachments : XXXX. Police Report # XXXX ( PDF ) XXXX. Drivers License ( PDF ) 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 non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 U.S.C. 1666. I have consistently made my payments on time, and any discrepancies in this reporting are both unfair and unlawful.

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 2025-11-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to AMERICAN HONDA FINANCE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), AMERICAN HONDA FINANCE has failed to respond, verify, or correct the information within the required XXXX ( XXXX ) days. Under XXXX U.S.C. XXXX ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since AMERICAN HONDA FINANCE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure XXXX XXXX XXXX  immediate compliance with FCRA requirements. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to XXXX, XXXX. dated XX/XX/2025, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX. has failed to respond, verify, or correct the information within the required thirty ( XXXX ) days. Under XXXX U.S.C. XXXX ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since XXXX XXXX XXXX. did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure XXXX, XXXX immediate compliance with FCRA requirements. 

XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
I am following up regarding my previous disputes concerning multiple inaccurate, unverifiable, and unauthorized items on my credit report. Despite prior correspondence, the following items remain and continue to negatively impact my credit standing. I am formally requesting permanent removal, not correction, of these entries in accordance with federal law. 
The following addresses are inaccurate and must be permanently removed : XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, MA XXXX. Reporting outdated or incorrect addresses violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which require all information reported to be accurate, complete, and verified. 
The following charged-off accounts remain inaccurately reported : XXXX XXXX XXXX * * * * Balance Owed : {$460.00} * *, XXXX XXXX XXXX XXXX Balance Owed : {$22000.00}, XXXX XXXX XXXXXXXX XXXX Balance Owed : {$7100.00}, and XXXX XXXX XXXX * Balance Owed : {$17000.00} * *. The XXXX XXXX XXXXXXXX and XXXX accounts have no documentation of Form XXXX for debts exceeding {$600.00}, making the reported balances unverifiable. Continued reporting of these accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2, and they must be permanently deleted from my credit file. 
Additionally, the following inquiries appear without proper authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 619 15 U.S.C. 1681q, a consumer report may only be accessed for a lawful purpose. Unauthorized inquiries violate federal law and must be permanently removed, not merely corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: MA

Complaint narrative:
I am following up regarding my previous disputes concerning multiple inaccurate, unverifiable, and unauthorized items on my credit report. Despite prior correspondence, the following items remain and continue to negatively impact my credit standing. I am formally requesting permanent removal, not correction, of these entries in accordance with federal law. 
The following addresses are inaccurate and must be permanently removed : XXXX XXXX XXXX, MA XXXX and XXXX XXXX XXXX, MA XXXX. Reporting outdated or incorrect addresses violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which require all information reported to be accurate, complete, and verified. 
The following charged-off accounts remain inaccurately reported : XXXX XXXX XXXX * * * * Balance Owed : {$460.00} * *, XXXX XXXX XXXX XXXX Balance Owed : {$22000.00}, XXXX XXXX XXXXXXXX XXXX Balance Owed : {$7100.00}, and XXXX XXXX XXXX * Balance Owed : {$17000.00} * *. The XXXX XXXX XXXXXXXX and XXXX accounts have no documentation of Form XXXX for debts exceeding {$600.00}, making the reported balances unverifiable. Continued reporting of these accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2, and they must be permanently deleted from my credit file. 
Additionally, the following inquiries appear without proper authorization or permissible purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 619 15 U.S.C. 1681q, a consumer report may only be accessed for a lawful purpose. Unauthorized inquiries violate federal law and must be permanently removed, not merely corrected.

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 2025-11-10 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: TN

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AR

Complaint narrative:
I am submit a third-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several issues remain unresolved, inaccurately reported, or unverifiable. These discrepancies misrepresent my true credit history and present an incomplete and misleading picture of my financial responsibility. 
XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I formally request a comprehensive reinvestigation of all disputed items. Each item should be thoroughly reviewed removed as required by federal law to ensure the accuracy and integrity of my credit 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 2025-11-10 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: AR

Complaint narrative:
I am submit a third-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several issues remain unresolved, inaccurately reported, or unverifiable. These discrepancies misrepresent my true credit history and present an incomplete and misleading picture of my financial responsibility. 
XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$11000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I formally request a comprehensive reinvestigation of all disputed items. Each item should be thoroughly reviewed removed as required by federal law to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding an unresolved dispute with my Chime account involving approximately {$300.00} in unauthorized XXXX transactions. 

On XXXX XXXX XXXX, I filed a dispute for XXXX unauthorized XXXX transactions totaling around {$300.00}. Chime initially closed this dispute and only opened a smaller XXXX for XXXX transactions totaling about {$10.00}. When I called Chime, their representative stated that the larger dispute could be reopened if I provided details of my last legitimate App Store transaction, which I did ( a {$12.00} transaction ). 

Despite providing that information, Chime closed the main dispute again and left only the small {$10.00} case active. No proper explanation was given, and I have not received the remaining {$290.00} refund. This has caused significant financial hardship and frustration, as Chimes customer service has not resolved or explained the issue despite multiple calls. 

I am requesting that the CFPB review this matter and help ensure that Chime reopens and properly investigates the full {$300.00} dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX XXXX XXXX under written authorization dated XX/XX/year>, concerning Equifaxs continued furnishing and reporting of multiple, conflicting, and duplicative mortgage account entries for XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. Despite prior written disputes and formal requests for reinvestigation, Equifax continues to display multiple versions of the same XXXX XXXX accounts ( Nos. XXXX and XXXX ) under slightly different identifiers, each containing inconsistent and contradictory remarks such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer. Payment percentages and reporting metrics vary from XXXX percent to XXXX percent even though all versions reflect the same balance and In Good Standing status. This inaccurate, misleading, and duplicative reporting materially distorts the consumers credit profile, misrepresents account performance, and constitutes violations of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers and consumer reporting agencies to ensure maximum possible accuracy and to avoid furnishing false or inconsistent data. Equifaxs failure to properly reinvestigate, reconcile, or remove duplicate listings within 30 days of notice further violates FCRA 611 ( a ) and Regulation V ( 12 C.F.R. 1022.43 ), reflecting systemic negligence and disregard for federal obligations. The consumer, through her authorized representative, requests that the CFPB compel Equifax to conduct a complete reinvestigation, permanently delete all duplicate and inconsistent XXXX XXXX  entries, remove misleading dispute remarks, and issue a corrected credit file reflecting accurate verified information. The CFPB is urged to impose enforcement oversight, sanctions, or corrective action for willful and repeated noncompliance, as this persistent inaccuracy has caused measurable harm to the consumers credit standing, violated her rights under federal law, and undermined the integrity of the credit reporting system.

Company response to consumer: Closed with non-monetary relief