vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Section 602 ( a ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX  is a consumer reporting agency, and I am the consumer.

Under 15 U.S. Code 6801, Congress has declared that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. 

Navy Federal Credit Union is considered a financial institution under this statute and is therefore subject to these obligations. 

Furthermore, under 15 U.S. Code 1681b ( Section 604 ( a ) ( 2 ) ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom the report pertains. Neither Navy Federal Credit Union nor the consumer reporting agency XXXX has my written consent to furnish or share my personal information. Any prior consentwhether verbal, non-verbal, written, implied, or otherwiseis hereby revoked. 

Additionally, 15 U.S. Code 6802 ( b ) ( c ) provides that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an opportunity to opt out and receives a clear explanation of how to exercise that right. Navy Federal Credit Union did not inform me of my right to opt out of such disclosures. 

Moreover, under 15 U.S. Code 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including any adverse information ( other than records of criminal convictions ) that predates the report by more than XXXX years. The information being reported by XXXX  constitutes adverse data and is being shared without my authorization, in violation of federal law. 

Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a party must not furnish any information to a consumer reporting agency if they know, or have reasonable cause to believe, the information is inaccurate. Additionally, under 15 U.S. Code 1681e, consumer reporting agencies must maintain reasonable procedures to ensure compliance with 1681c and to limit the furnishing of consumer reports to the permissible purposes outlined in 1681b. XXXX  has failed to uphold these responsibilities.

Finally, 12 C.F.R. 1016.7 states that a consumer may exercise the right to opt out of information sharing at any time. I am hereby exercising that right and opting out of all reporting and information sharing by Navy Federal Credit Union and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Finance Company, Inc.
State: AL

Complaint narrative:
i don't owe any money to anyone for anything but i keep getting calls and things in the mail saying i owe XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
I am filing a complaint because the credit bureaus are still reporting inaccurate collection accounts on my credit file : XXXX XXXX  {$430.00} : Reported as Closed by TransUnion, Disputed by Experian, and Charged Off Collection by Equifax. These can not all be true. 

Upstart/Finwse {$1200.00} : One bureau shows this account as Current, another as Open Collection, and another as Charged Off. These contradictions make it unverifiable. 

XXXX  {$410.00} : TransUnion shows it Closed, Experian reports Collection, and Equifax says Charged Off. These reporting conflicts violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint because the credit bureaus are still reporting inaccurate collection accounts on my credit file : XXXX XXXX  {$430.00} : Reported as Closed by TransUnion, Disputed by Experian, and Charged Off Collection by Equifax. These can not all be true. 

Upstart/Finwse {$1200.00} : One bureau shows this account as Current, another as Open Collection, and another as Charged Off. These contradictions make it unverifiable. 

XXXX  {$410.00} : TransUnion shows it Closed, Experian reports Collection, and Equifax says Charged Off. These reporting conflicts violate the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX my father unexpectedly past. Since I was on his bank account it became mine. I had a meeting at the branch where they stated I should not close the account because it has been open since XXXX and I am grandfathered in to a lot of things they no longer offer with new accounts. I've used the account maybe XXXX or XXXX times since I took it over. There was a balance of over {$600.00}, now it is only {$37.00}. I was told that this was due to fees no one made me aware of until today. I was told that the account needed to have at least {$5000.00} in it to not have fees incur. I told them that was not possible as this is not my primary account, I have XXXX others. I also let them know it would not be possible to keep that amount in an account as I only make around {$2000.00} a month. I was offered a credit of {$100.00} and told not to close the account until it is back in there. I expressed my displeasure and advised the banker that I would be contacting CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As XXXX of the top credit companies Experian should be able to take calls from consumers. This company reports out information on its users and that information is often inaccurate. In addition, with the latest data breach, a consumer should be able to speak with someone in regards to their credit and reporting. It become impossible to get any live human on the phone at Experian. Consumers have the right to speak with the company reporting their information. This is completely unacceptable. I have tried to reach them via over XXXX numbers and none of them lead to a live agent to address the matters on my consumer report. 
Dates : XX/XX/year> Called starting at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX. No live person will ever pick up which is unacceptable. If Experian does not want to do business, it needs to be shut down permanently.

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 2025-09-03 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: SC

Complaint narrative:
I do not recognize the XXXX  accounts, collections, or hard inquiries as reported. The XXXX  accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the XXXX  accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-03 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: SC

Complaint narrative:
I do not recognize the XXXX  accounts, collections, or hard inquiries as reported. The XXXX  accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the XXXX  accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-09-03 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I deposited XXXX checks with Citi bank on XX/XX/year> the next day XX/XX/year> my account was blocked and closed. I

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 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
TransUnion- The following debt MUST be removed as per Federal law since it is related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, Senate Bill 5480.

The Thomas Agency {$730.00}

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 2025-09-03 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-03 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, Section 602 ( a ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. TransUnion is a consumer reporting agency, and I am the consumer.

Under 15 U.S. Code 6801, Congress has declared that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. 

XXXX XXXX XXXX XXXX is considered a financial institution under this statute and is therefore subject to these obligations. 

Furthermore, under 15 U.S. Code 1681b ( Section 604 ( a ) ( 2 ) ), a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to whom the report pertains. Neither XXXX XXXX XXXX XXXX nor the consumer reporting agency TransUnion has my written consent to furnish or share my personal information. Any prior consentwhether verbal, non-verbal, written, implied, or otherwiseis hereby revoked. 

Additionally, 15 U.S. Code 6802 ( b ) ( c ) provides that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is provided with an opportunity to opt out and receives a clear explanation of how to exercise that right. XXXX XXXX XXXX XXXX did not inform me of my right to opt out of such disclosures. 

Moreover, under 15 U.S. Code 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from including any adverse information ( other than records of criminal convictions ) that predates the report by more than XXXX years. The information being reported by TransUnion constitutes adverse data and is being shared without my authorization, in violation of federal law. 

Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a party must not furnish any information to a consumer reporting agency if they know, or have reasonable cause to believe, the information is inaccurate. Additionally, under 15 U.S. Code 1681e, consumer reporting agencies must maintain reasonable procedures to ensure compliance with 1681c and to limit the furnishing of consumer reports to the permissible purposes outlined in 1681b. TransUnion has failed to uphold these responsibilities. 

Finally, 12 C.F.R. 1016.7 states that a consumer may exercise the right to opt out of information sharing at any time. I am hereby exercising that right and opting out of all reporting and information sharing by XXXX XXXX XXXX XXXX and 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Contents of Complaint : This CFPB complaint has been led 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of the following items : Credit Card account opened at XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian These items have resulted in other several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I've attached an affidavit of truth, proof of identity, proof of address and a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I have also attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-03 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7800.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation