vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
Im submitting this complaint against Navy Federal Credit Union due to their mishandling of XXXX major disputes on my account that have left me in financial distress. I currently live in a shelter and have no income, so every dollar matters. First, I disputed an XXXX charge for an item that was marked as delivered to an address in XXXX, even though I was living in another state at the time. I had already contacted XXXX before the delivery to notify them of the address issue and submitted proof to Navy Federal that I wasnt there. Despite this, they claimed XXXX proved I received the package, likely based on a generic scan not a signature or valid proof of receipt. They closed the case unfairly, without proper review. 

Second, I disputed a charge from XXXX XXXX. I never stayed there, and when I spoke with the hotel, they told me to come in person and even to call the cops and take them to court. I filed a dispute with Navy Federal explaining the situation. Instead of resolving it, more money was deducted from my account. I now have a negative balance and have been left completely without funds. I never authorized that transaction, and there was no duplicate charge. It feels like Im being penalized for reporting fraud.

I trusted Navy Federal to protect my account. Instead, Ive been ignored, dismissed, and had even more money taken from me without explanation. Im requesting that both disputes be reopened, that a real review of the evidence take place, and that my funds be returned. Im also requesting confirmation that this is being handled seriously. This situation has caused extreme hardship during an already unstable time in my life, and I need help making it right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-25 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-25 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:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had a charged-off credit card account with Wells Fargo XXXX XXXX balance of {$640.00}. XX/XX/year> I realized the derogatory account is listed twice on XXXX. Approximately every 30 days I would dispute with XXXX about this duplicate account with no resolution. XX/XX/year> I settled the charged-off account directly with Wells Fargo & within 30 days the balance has updated to {$0.00} on all three credit bureaus, but the duplicate account on XXXX is still reporting on my file.

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 2025-06-25 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-25 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: TX

Complaint narrative:
There are fraudulent stuff on my credit report that are not mine someone used my information to open fraudulent accounts and put negative stuff on my credit report. I need help to get these removed and blocked so I can have financial relief

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On XX/XX/2025, I sent a certified dispute and debt validation request to Caine & Weiner at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. This was in response to a letter I received concerning an alleged debt related to an insurance policy. 

Although I formally disputed the account and requested validation, the company reported the tradeline to the credit bureaus without providing any documentation showing that I agreed to or benefited from the service they are attempting to collect on. This appears to be a violation of my rights under federal law. 

Possible violations include : Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 3 ) : Furnishing disputed information to the credit bureaus without noting the dispute.

FCRA 1681s-2 ( b ) : Failure to investigate and correct information after being notified of a dispute.

Fair Debt Collection Practices Act ( FDCPA ) 1692g ( b ) : Continuing collection activity without validating the debt. 

Federal Trade Commission ( FTC ) guidelines : Failing to respond to a valid dispute may be considered a deceptive or unfair practice. 

XXXX XXXX compliance : Inaccurate credit reporting by omitting dispute indicators.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Deleted on Other Bureaus I previously disputed these accounts and addresses with the credit bureaus and it was deleted from my XXXX and XXXX reports but Equifax failed to perform an investigation and delete the disputed information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AZ

Complaint narrative:
On XX/XX/year>, I attempted twice to make a money transfer to my fiance in the XXXX using my account on Moneygram 's website. In both cases, my transfers were rejected for no apparent reason. All attempts to get an explanation for the declined transactions from Moneygram were fruitless. All money transfer sites are now blocking my new transfers without cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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 formally disputing the account listed above. You are reporting negative information that is inaccurate, unverified, and causing measurable harm to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute any item that is incomplete, unverifiable, or inaccurate. I demand immediate evidence that confirms this account is valid and reported in full compliance with federal law. That includes : Proof of a permissible purpose under FCRA 1681b Verification that the alleged account is legally owed A full accounting of the debt, with proof of any product delivery or services rendered A notarized affidavit from a person with direct, first-hand knowledge of the debts origin and legality Confirmation that no tax deduction, charge-off, or insurance claim has been filed for this account If you can not provide this information within 7 days of receipt, you must DELETE this account from all reports immediately. Failure to comply will be considered willful non-compliance with federal consumer laws and Metro 2 standards, as outlined in the XXXX ( pages XXXX ). This includes your responsibility to report only accurate, fair, and fully verifiable data. 

If this account is not resolved within 30 days from delivery of this letter, I will escalate this matter through the appropriate legal and regulatory channels and pursue claims for damages, penalties, and attorney fees. I strongly urge you to settle this matter now, before it results in greater consequences for your company. 

You have been notified.

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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
Remove this from my credit report. Litigation is in action- this vehicle was sold and I don't owe the company anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 XXXX XXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 XXXX XXXX CXXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AP

Complaint narrative:
Experian is reporting a XXXX delinquency as of XX/XX/year> on my MOHELA/XXXX loan. This is false. MOHELAs XX/XX/year> billing statement, dated XX/XX/XXXX, shows no past due balance, a billing cycle from XX/XX/XXXX to XX/XX/XXXX, and a payment due date of XX/XX/XXXX. I also made over {$860.00} in payments during that period. Since the billing cycle hadnt closed and no payment was due yet, there is no valid basis for any delinquency in XXXX. XXXX requesting the removal of the inaccurate late payment and the correction of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXXXXXX XXXX-Credit Card-opened in XX/XX/XXXX XXXX XXXX Card-opened in XX/XX/XXXX XXXX Credit Card-opened in XX/XX/XXXX XXXX XXXX Card-opened in XX/XX/XXXX And the following inquiries were also never XXXX by me and are fraud too : XXXX XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX ALLY FINANCIAL inquiried on XX/XX/XXXX XXXX BANK inquiried on XX/XX/XXXX XXXX XXXX CASE XXXX inquiried on XX/XX/XXXX R CASE XXXX inquiried on XX/XX/XXXX XXXX XXXX inquiried XXXX XX/XX/XXXX XXXX XXXX inquiried on XX/XX/XXXX These items were added to my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
I recently reviewed my credit report and discovered a hard inquiry that I did not authorize or initiate. This inquiry was made without my knowledge, and I did not apply for any credit-related product or service that would justify such an action. As required by the Fair Credit Reporting Act, no company is allowed to access my credit file without a permissible purpose and my express authorization. This inquiry has caused an unjust drop in my credit score and must be corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I am filing this complaint due to ongoing violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by Experian and the following collection agencies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 



Despite repeated disputes and requests for verification, these companies continue to report inaccurate, unverifiable, misleading, or outdated collection accounts on my credit report, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} These accounts violate multiple sections of the FCRA, including : 15 U.S.C. 1681i ( a ) failure to conduct a proper reinvestigation, 15 U.S.C. 1681e ( b ) failure to maintain maximum accuracy, 15 U.S.C. 1681c ( a ) ( 45 ) reporting obsolete accounts beyond the 7-year limit, 15 U.S.C. 1681s-2 ( b ) failure of furnishers to correct and update information after notice of a dispute.

Additionally, the FDCPA ( 15 U.S.C. 1692e ) prohibits the use of false, deceptive, or misleading representations in the collection of any debt. These agencies have continued to report debts that lack proper validation, are inflated or duplicate, or were already settled or removed in prior disputes yet have been reinserted without proper certification per FCRA 1681i ( a ) ( 5 ) ( B ).

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