vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am filing a new complaint against EQUIFAX because this is now my fourth dispute regarding a false late payment being reported on my XXXX XXXX account ( account ending in XXXX ). 

In my prior CFPB complaint ( Complaint ID : XXXX ), I submitted clear proof showing that I made a {$35.00} payment on XX/XX/2023, fully documented with my official XXXX  XXXX statement. 

Despite this evidence, Equifax responded with a generic verified response and failed to provide any documentation or explanation. Their response clearly shows no reasonable investigation was conducted, violating their obligations under : Fair Credit Reporting Act ( FCRA ) 1681i ( failure to conduct reasonable reinvestigation ) Fair Credit Billing Act ( FCBA ) 1666 ( billing error correction ) Truth in Lending Act ( TILA ) Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) This is not about disputing the existence of the account itself, but the inaccurate late payment reporting, which Equifax has failed to correct after multiple disputes and official complaints. 

I am demanding that Equifax now conducts a proper manual investigation with full documentation. If not resolved immediately, I will proceed with legal action for willful and continuous non-compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Dear US Bank Executive Team, I am writing to formally express my deep concern and frustration regarding the recent closure of our account without any prior notice or written communication. We were informed that the account was closed due to suspected fraudulent activity ; however, we were not given any documentation or official explanation. 

After being told to visit a branch to collect our funds, we were then denied access and informed it was a process. This has caused severe financial hardship. We currently have no access to our own money, and this has left us unable to purchase basic necessities. The emotional distress has impacted our livelihoodmy partner was forced to leave their job due to the stress and uncertainty caused by this situation. 

We are willing to take full accountability for any legitimate issue, but we demand transparency. Holding personal funds without clear explanation, due process, or a timeline is unethical and potentially unlawful. We also believe there may be discriminatory practices at play, as this experience echoes those that disproportionately affect communities of XXXX. 

We urgently request : A detailed written explanation of the account closure Immediate release or temporary access to our held funds The timeline and legal basis for holding funds Escalation of this matter to someone with the authority to act We are also in the process of filing complaints with federal regulators including the OCC and CFPB. 

We hope US Bank will resolve this swiftly and fairly.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
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 XXXX ] Account 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 2025-06-18 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: MD

Complaint narrative:
THERE HAS BEEN XXXX UNKNOWN ACCOUNT POSTED TO MY REPORT AS COLLECTIONS. NEVER HAD THAT ACCOUNT. SURELY ITS FRAUD!!! 


XXXX XXXX XXXX XXXX  {$1300.00} 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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, CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} INQUIRIES : XXXX XXXX Date : XX/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 2025-06-18 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: FL

Complaint narrative:
I noticed a collection account reported on my credit report with a date opened of XX/XX/XXXX and a balance of {$49000.00}, marked as past due as of XX/XX/XXXX. The status was updated to a collection account in XX/XX/XXXX. I made a recent payment of {$30.00} on XX/XX/XXXX, but the account remains listed despite the seven-year reporting period under the Fair Credit Reporting Act expiring on XX/XX/XXXX. I have not received any communication from the company indicating an extension of the reporting period. I am concerned this violates reporting guidelines and have drafted a dispute to request its removal, which submitted to the credit bureau and the company did not resolve this violation listed under FCRA 15 U.S.C. 1681c ( a ) ( 4 ).

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 2025-06-18 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: CO

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 non-monetary relief
Consumer complaint received 2025-06-18 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: CO

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 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 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Over the last XXXX XX/XX/year> to present ) months I have been seeking Original contracts from the credit card companies, it looks like this individual had all of my information and was signing my name.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INQUIRY, INQUIRY XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/year>, XX/XX/year> Let me be perfectly clear : this was not a clerical error. This was a deliberate, fraudulent act that has caused me serious and measurable harm. Because of your illegal reinsertion of this account, I was denied a mortgage loan that would have allowed me to purchase my first home. Your unlawful actions have directly caused me to lose XXXX  of dollars in earnest money, legal fees, appraisal costs, and to suffer extreme emotional distress. I will no longer tolerate your reckless disregard of my rights. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), you were required to do the following 1. Obtain a certification of accuracy from the furnisher of the information 2. Provide me with written notice of the reinsertion within five ( 5 ) business days You did neither. 
This is an act of : Fraudulent reporting Deceptive consumer practice Intentional financial harm

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: AL

Complaint narrative:
To whom it may concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the NEW RULE REGULATION F which took effect XXXX XXXX ( XXXX ). 
You have violated the FDCPA 1006.30a and is new rule by parking this alleged debt on my consumer report. Cease and Desist the reporting this alleged debt immediately or I will escalate this matter to taking legal action. 
I have not given you permission to put anything on my credit profile 15USC 1681b2. 
You have no permissible purpose by law report this alleged debt on my consumer report. 
I ask that you ( XXXX ) delete this off my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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 CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$860.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: VA

Complaint narrative:
This complaint involves a charged-off XXXX XXXX XXXXXXXX account that is being improperly reported by Experian and Equifax causing ongoing damage to my credit. 

In approximately XXXX or XXXX ( to the best of my knowledge ), XXXX XXXX XXXX contacted me while I was unemployed and receiving unemployment benefits. I clearly told them of my unemployment status, yet they still pressured me into making multiple payments. I was not told of the legal consequences of making these payments while unemployed. These payments, which were made with my unemployment insurance restarted the statute of limitations. XXXX XXXX XXXXXXXX conduct raises serious concerns of unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Since those payments, no further payments or activity have occurred on the account. Years later, ( Just recently the last 6 months or so ) a credit repair service ( XXXXXXXX XXXX  ) mistakenly disputed the account as not mine. After that inaccurate dispute, Experian and Equifax allowed XXXX XXXX XXXX to start reporting new monthly updates as if the debt is newly delinquent, which is factually incorrect and misleading. 

XXXX XXXX XXXXXXXX did file a lawsuit against me regarding this debt. I did not appear in court, but they still failed to obtain a judgment against me. No judgment was ever entered. I am currently attempting to obtain the court records to verify this for the CFPBs review. Despite failing to obtain a judgment, XXXX XXXX XXXXXXXX continues to report this account to Experian and Equifax with ongoing new monthly updates, which is false and severely damaging to my credit. 

I just recently filed a dispute directly with Experian and Equifax ( XX/XX/XXXX ) ; those investigations are still pending. However, Experian/Equifax are not fully aware of the improper circumstances under which XXXX XXXX XXXXXXXX obtained payments while I was unemployed, nor the fact that no judgment was ever entered. There has been no new valid financial activity on this account since XXXX. 

XXXX asking that the CFPB fully investigate this matter. XXXX XXXX XXXXXXXX conduct in inducing payment under financial duress was deceptive and abusive. Experians/Equifax 's continued monthly reporting of fresh delinquency on a long dormant charged-off account is misleading, inaccurate, and harmful. I'm asking the CFPB require Experian/Equifax to stop allowing these ongoing monthly updates and investigate XXXX  XXXX XXXX collection practices for possible UDAAP violations.

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 2025-06-18 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: NC

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, NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: IL

Complaint narrative:
It opened XX/XX/XXXX. I haven't used anything XXXX XXXX since XXXX of XXXX purchasing my car. My credit was locked since then. Now, XX/XX/XXXX, the collections appeared on my credit report for " Account solutions for account '' and taken by NRA, National Recovery Agency. 

We called NRA at XXXX, they asked for the basic information and had nothing regarding my information except " 2 pages '' of my name in their system. They then asked for my middle name, total of " debt owed '', as well as looking up my account with the phone number I called from. XXXX XXXX was the agent I spoke to and she couldn't find any account regarding my information. Till they demanded I give my social security number to help find this account. I would not give them my ssn so they said, " Well then we can't help you, have a good day '' and the call ended. 

Having this on my credit report without my information at all proves identity theft and I strongly believe so.

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 2025-06-18 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: CT

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 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