vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
To Whom It May Concern, I am contacting you regarding the collection account reported on my credit report, dated XX/XX/year>, in the amount of {$1400.00}. This letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I am requesting the following information : XXXX. Proof that you are legally authorized to collect this debt. 
XXXX. A copy of the original signed contract or agreement with the original creditor. 
XXXX. A full and complete itemization of how the balance was calculated. 
XXXX. The name and address of the original creditor. 
XXXX. Documentation confirming this debt is still legally enforceable and within the statute of limitations. 

Please note : XXXX XXXX  You are required to respond within XXXX business days XXXX XXXX of receiving this letter. If you can not validate this debt in full, I request that the account be XXXX XXXX immediately deleted from all credit reporting agencies XXXX XXXX and that all collection activity cease. 

Failure to comply may result in me pursuing further action to protect my consumer rights under the FDCPA and the XXXX  [ Fair Credit Reporting Act ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA ). 

I am keeping a copy of this letter for my records. Please send all correspondence to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: RI

Complaint narrative:
We have a fixed rate XXXX. Each month, the portion of our payment applied to principal decreases, while the interest payment increases. Our loan should amortize, so its not clear why were paying less principal each month despite us also making additional principal payments. I called US Bank and they said my payment breakdown depends on the day we make our payment. I dont understand how our payment isnt amortizing and how were somehow paying less principal each month. I applied for a fixed home equity loan. I would expect the payments to show a decreased interest payment over time and increase in the portion applied to principal. This seems unethical to not have disclosed this up front on the loan estimate or closing disclosure. This was never explained on any documents we received at time of application or on our closing docs. How are we paying less towards principal each month if this is a fixed rate loan that should amortize?

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On XXXX Robinhood contacted me indicating they are closing my account due to recent activity. I submitted 2 chargeback claims on the account, one for fraudulent activity and another for a company failing to cancel service. Both cases were resolved in my favor. 

I have 2 investment accounts and 1 spending account with them. The initial email indicated they will liquidate all open positions. 

Throughout the time, I received what appears to be automated emails informing me to withdraw my money from the account. 

However, they have my account restricted and I am unable to withdraw my funds. I have informed them with screenshots and details indicating I am unable to withdraw the funds. 

They keep saying if I have any issues to contact support, but everytime I contact support I get the same canned response, word for word on every email. Each email says I am able to withdraw my funds for 60-days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Someone gained unauthorized access to my Truist Bank account. They changed my password, added their own phone number, and attempted to deposit {$7000.00}, which Truist flagged as fraud. Truist then closed my account completely, but they have not assisted me in regaining access or opening a new account. 

I have contacted Truist to verify my identity, request my account number, and regain access, but the bank has not provided any help or clear information. I do not have access to the account, the funds, or even a card. 

Truists refusal to properly assist me after a fraud incident has left me without banking access or resolution. I am seeking help to have the account restored, reopened, or replaced with a new account under my verified identity.

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 2025-10-15 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: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION IS FALSE AND SHOULD BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have been having an issue with this company reporting an account that does not belong to me. After calling the company multiple times it was determined that there is an account that belongs to my twin sister and not me! Her name is XXXX XXXX and my name is XXXX XXXX. I called the company to try and resolve the issue and I was notified by XXXX  that the company then proceeded to change the name on the account from my sisters name to my name after speaking with them. XXXX  has record of this as well and let me know that legally the representatives were not allowed to do so after being notified of the identity theft and false reporting. It has been well over 30 days and I havent received any further investigation results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Subject : Complaint Against Equifax for Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) Dear CFPB, I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ). 

I previously disputed an account ( XXXX XXXX ) on my credit report, which was found to be inaccurate and subsequently removed. However, this account has been reinserted into my credit report without any notification from [ XXXX XXXX XXXX ] within the required XXXX business days. 

This action is in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that consumers must be notified if previously removed information is to be reinserted into their credit report. The lack of notification has caused unnecessary stress and potential harm to my credit standing. 

I have already contacted Equifax regarding this issue but have not received a satisfactory resolution. Therefore, I am seeking your assistance to ensure that Equifax complies with FCRA regulations and corrects this issue immediately. 

Attached are copies of all relevant correspondence, including my initial dispute letter, confirmation of the account 's removal, and my recent dispute regarding the unauthorized reinsertion. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXOn XX/XX/XXXX, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/XXXX at XXXX XXXX in XXXX XXXX per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This correspondence requested prompt investigation and correction or deletion of the following accounts:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAfter receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/XXXX, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.'

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Email : XXXX XXXX Good morning, My name is XXXX XXXX XXXX I have gone to the DMV and Court house which adviced me to email you this document for further advice.

Complaint : I financed a XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX from a dealership called XXXX XXXX XXXX in XXXX XXXXXXXX XXXX. My financial bank is called XXXX XXXX. 
On XX/XX/XXXX approximately XXXX XXXX. the XXXX XXXX XXXX VIN # XXXX was picked up by a repo company XXXX from my home at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX stated that XXXX XXXX Bank has put a repo on the XXXX XXXX XXXX for unpaid payments. 
I contacted XXXX XXXX XXXX  to get further information on the repo since I logged in to my XXXX XXXX account online and payments are up to date. Next payment due XX/XX/XXXX. XXXX XXXX XXXX  could not provide me any further information due to the bank has the XXXX XXXX XXXX under a different name. After requesting to speak to a manager, I was informed that the XXXX XXXX XXXX  has a lien on the car with someone else 's name and they are unable to assist me with any information. I requested to the manager to send proof that I am now the current owner of this XXXX XXXX XXXX as of XX/XX/XXXX. The manager stated that because they still have a lien on the car from the previous owner, this XXXX XXXX XXXX is their property and they authority over this vehicle. 
I went to the dealership to help me, where I was notified by the new business that XXXX XXXX XXXX no longer exists. They evacuated the premisses at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XX/XX/XXXX. I went to the XXXX which advised me to place a complaint on the dealership. I went to XXXX XXXX Court house to seek help on how to move forward with this case. 
Due to this matter, I would like to request from the court if I could be honored to surrender this XXXX XXXX XXXX Vin # to XXXX XXXX XXXX  who has removed the XXXX from my home without notification. Invading my privacy and state of mind. Which American Credit Acceptance Bank only wishes to speak to Worlds Auto South who no longer exists. 

This will include removing the car loan with XXXX XXXX XXXX  for the XXXX XXXX XXXX which l 've made automatic payments of {$570.00} every XXXX of the month. 
Thank you kindly for your attention on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On or around XX/XX/year> I requested a stop payment on a transaction prior to it hitting my account, I was told that it had been processed. The next day the payment hit my account causing financial distress and resulted in several overdraft fees. I contacted Huntington bank and was told they would issue a credit of at least 4 OD fees after my account was positive, making my account positive was very hard considering the transaction I requested a stop payment on was over XXXX dollars, which resulted in even more overdraft fees. The transaction was as investigated and the funds for the transaction were credited back to my account several days later. Only one OD fee was reversed. Since then my account has accrued several fees as a result of the financial hardship this caused. Im asking for a courtesy credit of all the overdraft fees charged so I can get my account back in good standing.

Company response to consumer: Closed with monetary relief