vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: NJ

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. 

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 Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau Equifax credit report on XX/XX/year> 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 generally, 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within four business days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am writing to formally dispute the collection account being reported by Midland Credit Management Inc. on my consumer credit report, with a balance of {$570.00}, allegedly associated with XXXX XXXX XXXX  and listed as Opened on XX/XX/year>. 
This account appears on my credit report and is identified with remarks duplicated as " Placed for collection '', lacks account number information, is missing closure data, and includes no breakdown of charges or original agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/scrub> 2025, I deposited cash at a US Bank ATM. The deposit did not clear and has not appeared in my account. I contacted US Bank to report the issue, but instead of investigating, a representative told me, You accused us of stealing, so I wont talk more, and refused to help further. I am requesting that this deposit be properly traced and credited. I have the date and approximate time of the deposit. US Banks refusal to investigate or communicate is unacceptable and appears to violate standard banking practices.Additionally, due to this delay, I am now facing late charges on my XXXX XXXX account because the missing deposit prevented me from making a timely payment. US Banks failure to credit my funds caused financial harm and reputational damage. I request that US Bank not only trace and credit the deposit immediately, but also compensate me for any late fees, and formally acknowledge their error in writing. This situation has caused unnecessary XXXX, loss of credibility, and potential credit impact due to no fault of my own.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am seeking a debt validation from the original debtor. I have the right to request this and ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activities, including the numerous calls every day and remove it all together.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, by failing to conduct a reasonable reinvestigation of disputed accounts on my credit file. Despite my submission of supporting evidence, Experian has left inaccurate and/or unverifiable accounts on my report.

The law is clear : if an item can not be verified, it must be deleted. See FCRA 611 ( a ) ( 5 ) ( A ). Experians continued reporting of these accounts constitutes willful noncompliance.

The CFPB has already filed suit against Experian for systemic failures, including failing to forward consumerprovided evidence to furnishers, relying on unreliable responses, and failing to provide adequate dispute notifications. My experience directly reflects these practices. Experian has failed to : Properly forward my documentation to furnishers, Provide me with the results of a reasonable investigation, and Delete unverifiable information as required by law. 

These failures have caused ongoing harm to my credit standing, financial opportunities, and peace of mind. 

I am demanding the immediate deletion of the disputed accounts listed below. Experians inaction leaves me no choice but to seek all available remedies, including monetary damages, injunctive relief, and escalation to federal authorities, should compliance not be met. 

Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XXXX of XXXX  pentagon attempted to collect XXXX which Im not responsible for they have acknowledge this is true because I had car insurance, they still are attempting to collect! I have reached out and no response

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 2025-07-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: WA

Complaint narrative:
Unauthorized Premium Insurance Charge : I was charged approximately {$100.00} for a premium insurance policy as part of my title loan agreement. 
This policy was not properly explained or disclosed, and I was not informed of its limitations. 
I did not sign or knowingly authorize this insurance, nor was it ever made clear that it did not cover vehicle damage or loan relief in the event of an accident. 
After a recent vehicle accident, I attempted to use the coverage. I was told that the insurance was not liable, and that I needed a police report and a prior inspection of the damage both of which were never mentioned at the time of the loan. 
XXXX. Deceptive and Misleading Practices : The insurance was presented as if it would provide relief in case of an accident which turned out to be false or misleading. 
I was not informed that it was optional, nor was I given a choice to decline it. 
XXXX. Lack of Account Transparency : I have paid approximately {$600.00} toward the loan. 
The original loan paperwork stated a balance of around {$1100.00}, but when I called, I was told I owe {$1300.00}, with no clear explanation or accounting for the difference. 
LoanMaxs website and customer service do not show any record of my payments or my current payoff balance. 
I have no ability to verify how my payments were applied ( principal vs. interest vs. fees ). 
; )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Consumer Relations Dept. : I have recently been informed that there is negative information reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the file [ XXXX XXXX XXXX, maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a [ condition, e.g., NSF, overdraft, account abuse ] in XX/XX/year> I am unaware of ever having a [ same condition ] from this bank. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this [ same condition ] bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 30 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Consumer Relations Dept. : I have recently been informed that there is negative information reported by XXXX XXXX XXXXXXXX, NAVY FEDERAL CREDIT UNION, XXXX XXXX XXXX, in the file [ XXXX XXXX XXXX, maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing a [ condition, e.g., NSF, overdraft, account abuse ] in XX/XX/year> I am unaware of ever having a [ same condition ] from this bank. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this [ same condition ] bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 30 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Date : XX/XX/XXXX Subject : XXXX XXXX XXXX Credit Bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX Bank Account Dear Consumer Financial Protection Bureau, I am filing this complaint to report the continued illegal reporting of an outdated and inaccurate account by the credit reporting agencies Equifax and TransUnion. The account in question is a XXXX Bank credit card ( Account ending in XXXX ), which was opened on XX/XX/XXXX, and charged off many years ago. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), derogatory information such as a charge-off may not be reported more than XXXX XXXX after the date of the first delinquency. 

Despite being well beyond the XXXX reporting limit, Equifax and TransUnion have XXXX re-reported and updated this XXXX account, causing significant harm to my credit. On XX/XX/XXXX, Equifax updated the status of this account, leading to a XXXX drop in my XXXX XXXX. TransUnion followed by reporting a similar update that caused a XXXX drop in my score, which is reflected in the attached screenshots and reports. 

In addition, I am also including Experian in this complaint for inaccurately reporting information on my credit file and contributing to unexplained score declines. Despite no new negative accounts or derogatory activity, Experian has reported significant drops in my XXXX XXXX without justification, and fails to reflect positive payment history or account XXXX with any corresponding score increase. This inconsistency undermines the integrity of their credit scoring practices and suggests a failure to follow FCRA XXXX ( b ), which requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of the information they report. I request that the CFPB investigate XXXX scoring methods, failure to reflect positive credit activity, and failure to provide transparent justification for adverse changes in my credit profile. 
These actions are in direct violation of : - FCRA 1681c ( a ) ( 4 ) Reporting outdated negative information - FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Re-reporting without proper certification or notification - FCRA 1681e ( b ) Failure to maintain accurate and up-to-date information - FCRA 1681s-2 ( b ) Furnishers ' duty to correct and delete inaccurate data after dispute I have disputed these accounts directly with the credit bureaus and the furnisher ( XXXX Bank ) and demanded deletion, yet these harmful updates continue. These updates not only violate the law but have also resulted in financial and emotional distress, as my XXXX XXXX has sharply declined due to inaccurate and obsolete data.

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 2025-07-29 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: VA

Complaint narrative:
Date : XX/XX/XXXX Subject : XXXX XXXX XXXX Credit Bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX Bank Account Dear Consumer Financial Protection Bureau, I am filing this complaint to report the continued illegal reporting of an outdated and inaccurate account by the credit reporting agencies Equifax and TransUnion. The account in question is a XXXX Bank credit card ( Account ending in XXXX ), which was opened on XX/XX/XXXX, and charged off many years ago. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 4 ), derogatory information such as a charge-off may not be reported more than XXXX XXXX after the date of the first delinquency. 

Despite being well beyond the XXXX reporting limit, Equifax and TransUnion have XXXX re-reported and updated this XXXX account, causing significant harm to my credit. On XX/XX/XXXX, Equifax updated the status of this account, leading to a XXXX drop in my XXXX XXXX. TransUnion followed by reporting a similar update that caused a XXXX drop in my score, which is reflected in the attached screenshots and reports. 

In addition, I am also including Experian in this complaint for inaccurately reporting information on my credit file and contributing to unexplained score declines. Despite no new negative accounts or derogatory activity, Experian has reported significant drops in my XXXX XXXX without justification, and fails to reflect positive payment history or account XXXX with any corresponding score increase. This inconsistency undermines the integrity of their credit scoring practices and suggests a failure to follow FCRA XXXX ( b ), which requires consumer reporting agencies to maintain procedures that ensure the maximum possible accuracy of the information they report. I request that the CFPB investigate XXXX scoring methods, failure to reflect positive credit activity, and failure to provide transparent justification for adverse changes in my credit profile. 
These actions are in direct violation of : - FCRA 1681c ( a ) ( 4 ) Reporting outdated negative information - FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Re-reporting without proper certification or notification - FCRA 1681e ( b ) Failure to maintain accurate and up-to-date information - FCRA 1681s-2 ( b ) Furnishers ' duty to correct and delete inaccurate data after dispute I have disputed these accounts directly with the credit bureaus and the furnisher ( XXXX Bank ) and demanded deletion, yet these harmful updates continue. These updates not only violate the law but have also resulted in financial and emotional distress, as my XXXX XXXX has sharply declined due to inaccurate and obsolete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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