vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
Experian XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union ( NFCU ) for multiple violations of federal consumer protection laws and discriminatory banking practices, including the illegal withholding of funds from my deposit account, refusal to issue me a new debit card, and failure to provide full and accurate banking records upon request. 

Background : On or around XXXX, my wallet was stolen while travelingeither at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I promptly reported the incident to Navy Federal Credit Union, including several unauthorized charges made using my debit card. 

Despite my efforts to resolve the issue and protect my account, NFCU has : 1. Refused to reissue a debit card, effectively denying me access to the funds in my deposit account while continuing to profit off the money they hold.

2. Withheld a portion of my tax refund without a clear explanation or supporting documentation proving that the withholding was legitimate.

3. Failed to provide full banking records despite repeated requests. The records they have provided so far include only lump-sum amounts of money going in and out, with no itemized transaction history that would clarify the nature or legitimacy of the fund withholding. 

Legal Violations : NFCUs actions are in violation of several federal laws and regulations, including but not limited to : Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693 NFCUs failure to investigate the unauthorized transactions I reported and their refusal to provide me with access to my account violates my rights under EFTA, which protects consumers in the event of errors or unauthorized transfers.

Equal Credit Opportunity Act ( ECOA ) 15 U.S. Code 1691 et seq.

The ongoing refusal to issue me a new debit carddespite meeting all requirements and resolving identity verificationamounts to a discriminatory denial of banking services. 
Consumer Financial Protection Act of XXXX 12 U.S. Code 5531 NFCUs unfair, deceptive, and abusive practices ( UDAAP ) in withholding my funds and failing to provide a transparent accounting of my transactions violate the core protections established under this Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: DC

Complaint narrative:
Someone opened credit card accounts in my name with XXXX XXXX. These are fraudulent accounts. I filed Identity Theft Report with FTC. See attached. I called XXXX XXXX and reported it. But it still shows on my credit report. I request to remove the fraudulent credit card account ending in XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-06-16 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:
It is clear that the claim made against me is unjust and has caused serious harm to my personal, emotional, and financial well-being, as well as to my creditworthiness. I am challenging your assumed authority to report this claim and demand proof that your reporting practices are lawful, ethical, and fully compliant with all legal requirements. 

My issue is not with your right to collect a debt its with your failure to follow fair and accurate reporting standards regarding this specific account. 

I demand that all data furnishers and repositories provide physical documentation proving compliance with current reporting laws, including the XXXX  latest industry standards, Metro 2 format requirements, and all applicable federal and state regulations. Any failure to meet these standards compromises data integrity and is not acceptable whether the noncompliance is willful or negligent. 

The minimum standard is maximum possible accuracy. If you can not meet that standard, you are legally obligated to DELETE the account. 

Accounts being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information being challenged : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Reporting misleading or unverifiable data after receiving a formal dispute violates the law. Remove all illegal or unverified information from my credit file immediately. Also, confirm that my file is not mixed with those of others with similar names, addresses, or SSNs. 

Every item you report must be factually true, verified, timely, complete, and proven to be mine and my responsibility. That is not optional its a legal requirement under the FCRA, FDCPA, FCBA, and Metro 2 Compliance Standards.

If you continue to report unproven or misleading information after being notified, thats willful noncompliance. I will escalate this with formal complaints to the CFPB, FTC, and state regulators. DELETE any data that fails to meet the full legal standard of accuracy, proof, and responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-16 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: GA

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  XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX Date : XX/XX/year>

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 2025-06-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: NY

Complaint narrative:
I have been trying to complete a mortgage assumption with Midland Mortgage for over a year, following the death of my mother. I inherited my childhood property legally and submitted all required documentation ( I was administrator of estate ), including the recorded deed, death certificate, and letters of administration, all Midland confirmed receiving.

Despite this, I continue to receive vague, automated emails from Midland requesting a family transfer package and " additional information '' documents I already submitted well over a year ago. I have made multiple attempts to get a human response via email, but have never received a reply from an actual case manager only generic, automated messages. Every time I call, Im routed to someone who reads from a script and is unable to provide clear or accurate information. This has been over a year of this. Every time I call I have to explain everything again from scratch as well as relive the death of my parents. 

I am the legal titleholder, and I live in the home with my wife and family. We have lived here for over XXXX years, and have made regular monthly mortgage payments since XXXX. We have never missed a payment. Midland even told me directly that the only reason the assumption wasnt finalized was because the loan needed to be brought current which I am now actively working on through a HUD stand-alone partial claim. The loan was not " current '' due to the final XXXX months of my mother 's life, she did not make those payments. Since I became administrator and inherited the home, I never missed a payment. Again, since XXXX. 

Meanwhile, I continue to receive over XXXX pieces of mail a month, some certified and some first class, which feels excessive and bordering on harassment especially when my paperwork has been on file for over a year. 

This entire process has forced me to relive the trauma of losing both my parents again and again, simply to complete a standard legal transfer. I am now a government employee myself. Ive cooperated fully, submitted everything they asked for, and kept my end of the agreement. All I want is to finalize this process and move forward. 
I respectfully request that someone from Midland Mortgage, who is empowered to speak clearly and accurately about my file, review my case, confirm receipt of all necessary documents, and outline a path forward to complete the assumption and finalize the HUD resolution.

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 2025-06-16 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: AL

Complaint narrative:
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 AL 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

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 2025-06-16 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Its showing a collection from lvnv which i dont own or authorized and it was removed on XXXX  but not removed on XXXX  and XXXX  i believe. THIS NEEDS TO BE DELETED FROM ALL CREDIT acounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 am writing to formally dispute inaccurate and unauthorized information currently appearing on my consumer credit report. The accounts listed below appear to be the result of identity theft, fraud, or unverified activity. I demand that you immediately provide original documentation bearing my wet or electronic signature to validate each account, inquiry, and data point in question.

Under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], you are not permitted to report or distribute consumer data without a legally permissible purpose. I did not authorize these accounts or inquiries, and you are now required to demonstrate proof of authorization or DELETE the entries immediately. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX Incorrect Employer : XXXX XXXX Accounts Being Challenged : XXXX XXXXXXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX Inquiries Being Challenged : XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have also noticed a repeated practice of issuing generic form letters in response to consumer disputes, which violates 15 U.S. Code 1681i. Each dispute must be individually investigated and properly verified. You can not delay or deny valid consumer disputes based on how the letter was drafted. I am the author of this communication, and any attempt to ignore or bypass your legal obligation will be viewed as willful noncompliance.

You have 30 days to complete your investigation, DELETE unverifiable or unauthorized entries, and mail me an updated copy of my credit report showing these corrections. Failure to comply will result in complaints being filed with the CFPB, FTC, and consideration of civil legal action.

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 2025-06-16 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information currently appearing on my consumer credit report. The accounts listed below appear to be the result of identity theft, fraud, or unverified activity. I demand that you immediately provide original documentation bearing my wet or electronic signature to validate each account, inquiry, and data point in question.

Under the Fair Credit Reporting Act ( FCRA ) 604 [ 15 U.S.C. 1681b ], you are not permitted to report or distribute consumer data without a legally permissible purpose. I did not authorize these accounts or inquiries, and you are now required to demonstrate proof of authorization or DELETE the entries immediately. 

Personal Information Being Challenged : Incorrect Current Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Incorrect Previous Address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, NY XXXX Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX Incorrect Employer : XXXX XXXX Accounts Being Challenged : XXXX XXXXXXXX Collections Being Challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX  XXXX Inquiries Being Challenged : XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have also noticed a repeated practice of issuing generic form letters in response to consumer disputes, which violates 15 U.S. Code 1681i. Each dispute must be individually investigated and properly verified. You can not delay or deny valid consumer disputes based on how the letter was drafted. I am the author of this communication, and any attempt to ignore or bypass your legal obligation will be viewed as willful noncompliance.

You have 30 days to complete your investigation, DELETE unverifiable or unauthorized entries, and mail me an updated copy of my credit report showing these corrections. Failure to comply will result in complaints being filed with the CFPB, FTC, and consideration of civil legal action.

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 2025-06-16 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: CA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 2025-06-16 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: NY

Complaint narrative:
I had my personal belongings stolen. I filed a police report. Someone was trying to steal my identity resulting in multiple fraudulent inquires on my credit report. 
I will list the fraudulent inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will like for these fraudulent inquiries to be removed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief