vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
i send 2 letter u say there are not from me this showing there from me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX ). 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am submitting this dispute regarding inaccurate information on my credit report. I am invoking my rights under federal law and expect this dispute to be handled with full compliance, without delay, obstruction, or misrepresentation.

Your company has been legally reprimanded multiple times for failing to properly investigate consumer disputes, including but not limited to : XXXX  ( XXXX ) Fined {$15.00} XXXX by the Consumer Financial Protection Bureau ( CFPB ) for systemic failures in handling consumer disputes, ignoring submitted documentation, and allowing previously deleted errors to reappear. 
Experian ( XXXX ) Sued by the CFPB for engaging in fraudulent dispute resolution practices, including re-inserting inaccurate data without proper investigation. 
XXXX  ( XXXX ) Lost a {$60.00} XXXX federal jury verdict for violating the FCRA by falsely labeling consumers as high-risk individuals on government watchlists, causing extensive financial harm. 
MANDATORY RESPONSE REQUIREMENT To ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, NY, XXXX I also require written confirmation of receipt of this dispute within 14 business days of your receiving it.

NOTICE OF LEGAL ACCOUNTABILITY Your failure to investigate and correct inaccurate information would constitute a violation of 15 U.S.C. 1681i ( failure to reinvestigate ) and may also trigger penalties under 15 U.S.C. 1681n & 1681o, which provide for statutory damages, actual damages, punitive damages, and reimbursement of attorneys fees in the event of noncompliance.

THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX ). I expect full compliance, and failure to respond appropriately will result in formal complaints being filed with the CFPB, FTC, and my State Attorney Generals office. 
Sincerely, XXXX XXXX please at my letters i am send you here

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 2025-06-23 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: MA

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ACCOUNTS : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : 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 2025-06-23 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: TX

Complaint narrative:
I am formally disputing the inaccurate and unverifiable information reported on my credit file concerning XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to conduct a reasonable investigation of any disputed information. Reporting unverified and inaccurate data is a willful violation of FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate. 

I demand that you provide complete, physical documentation that verifies the full chain of ownership, legal authorization, and permissible purpose for this account being reported. If you can not provide this evidence, you are required to DELETE this account immediately. 

Additionally, I am aware that your agency may be engaging in illegal practices by issuing generic form-letter responses to consumer disputes, regardless of specific information submitted. This practice directly violates FCRA 1681i ( a ) ( 1 ) ( A ), which requires that each dispute be reviewed based on its own merit, not through automated or template responses. 

You are now on notice. If you continue to fail to properly investigate and validate this account, I will view your actions as willful noncompliance and may pursue all available legal remedies, including filing complaints with the CFPB, FTC, and seeking legal counsel for damages. 

You have 30 days from receipt of this letter to comply. I expect written confirmation of the deletion of this account and an updated copy 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : Creditor XXXX : XXXX XX/XX/XXXX TransUnion Creditor XXXX : XXXX XX/XX/XXXX TransUnion XXXX XXXX : XXXX XX/XX/XXXX TransUnion Creditor XXXX : XXXX XX/XX/XXXX TransUnion Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

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 2025-06-23 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: SC

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not agree to, and I did not sign any agreement regarding it. A legal contract requires the signatures of both parties, and I was not involved in this process. They also failed to follow the proper five-step validation procedure. According to the FDCPA, I am entitled to compensation for these violations. It is clear that they have infringed on my rights and abused their privileges in this matter. I demand that this account be removed immediately.

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 2025-06-23 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: SC

Complaint narrative:
I am seeking your help in beginning an investigation into the accounts in question, as they are not being accurately reported on my credit report. As provided by USC 1681g, I am formally requesting their removal within 15 days. All relevant supporting documents are included for your careful review. It is also important to point out that the information reported is inconsistent and incorrect across different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To whom it may concern I have been a Citi card credit card user since I was XXXX. I am now XXXX. 


I have never missed payments until recently in life. We have also recently experienceddeaths in the family, house being burned down, XXXX new kids and illnesses. 


But after all that I still have only missed a few payments as other things were top of mind. I am also paid up in full which didn't take me too long especially once I found out some payments didn'tgo through. 


After more than 20 years of being a loyal citi card user I am disappointed to find that my account was closed and my close to XXXX Thank you points seized. Disheartening to see how a customer of over 20 years is being treated. 

Seems unethical to keep the rewards that a customer earned through the years .. just doesn't seem right. 

Look at my credit history and you can see I don't have a history of missing payments and not making payments

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 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
am writing to formally dispute multiple inquiries and collections being reported on my credit file. As a victim of identity compromise, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ), which mandates the removal of any information that can not be verified within the required reinvestigation period. 

The following hard inquiries were made without my authorization and must be investigated and removed immediately : XXXXXXXX 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 Additionally, I am disputing the following collection accounts, which appear to be inaccurate or unverified : XXXX. XXXX XXXX Reported : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX XXXX  Reported : XX/XX/XXXX Amount : {$940.00} XXXX XXXX XXXX Reported : XX/XX/XXXX Amount : {$610.00} Per FCRA 611 ( a ) ( 5 ) ( B ), any item that can not be verified within 30 days of receipt of this dispute must be promptly deleted from my credit report. If these entries are confirmed, I demand full documentation verifying their accuracy, including : Written evidence of my authorization for each inquiry. 
Original signed applications and billing history for each collection account.

The method of verification and the name/contact info of the entity that verified each item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally dispute the reporting of a closed Navy Federal Credit Union credit card account listed on my credit report. 

This account was closed after my bank account with Navy Federal was also closed, due to suspected fraud that I had no involvement in. I was not provided an opportunity to resolve the issue prior to the account closure. Despite reaching out, Navy Federal proceeded to close the account without proper investigation or resolution. 

Additionally, this credit card was a secured card, funded entirely by my own savings. Therefore, I did not owe any balance at the time of account closure. This is not a delinquent or defaulted account. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that the inaccurate reporting of this account be corrected or removed. I request that you : Investigate this account with Navy Federal Credit Union, Verify the accuracy of the closure status and reported balance, Remove any negative reporting associated with this account if it can not be verified or is found inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I am submitting this complaint regarding an auto-related collection account reported by XXXX  Cooley Motor Co on my XXXX  credit report. 

Although the account has been marked as paid, it is still actively reporting with misleading and inaccurate information. Specifically, the first delinquency is listed as occurring in XXXX, when in fact, my first delinquency was in XXXX. This misrepresentation directly affects the credit reporting period under the FCRA, and as such, this account should no longer be reporting. 

In addition, during the XXXX pandemic, my payments were placed into deferment, and I was protected under the CARES Act. No late payments should have been reported during that time. Reporting late activity despite a federally protected deferment further demonstrates noncompliance with both the FCRA and federal XXXX relief guidelines. 

Lastly, because this account involved a voluntary repossession, Clay Cooley Motor Co is also subject to UCC Article 9, which requires : Written notice of repossession and intent to sell An accounting of the balance Notice of sale terms and date Documentation showing how proceeds were applied I have not received any of these required documents. 

Given the misleading delinquency date, the age of the account, and failure to honor consumer protections under both FCRA and XXXX, I am demanding that this account be immediately deleted from my Equifax credit report. Continued inaccurate reporting will result in my pursuit of monetary relief. 

Please respond via the CFPB portal only to maintain a formal record.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-23 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX & XXXX credit report on 06/10/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-06-23 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 seven 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 2025-06-23 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 seven 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