vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DPEDXXXX XXXX XXXXXX/XX/XXXX - {$990.00} XXXX - XX/XX/XXXX - {$240.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: IL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DPEDXXXX XXXX XXXXXX/XX/XXXX - {$990.00} XXXX - XX/XX/XXXX - {$240.00} DPEDXXXX XXXX XXXXXX/XX/XXXX - {$1900.00} XXXX XXXX XXXXXX/XX/XXXX - {$5000.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-03 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: CA

Complaint narrative:
I am writing to formally dispute multiple inaccurate entries on my credit report. Despite my repeated attempts to resolve these issues with the reporting creditors, the inaccuracies persist. These errors are severely affecting my creditworthiness and financial standing. I request that your office investigate and ensure these inaccuracies are corrected or deleted promptly. 

The disputed items are as follows : Accounts Reported as Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$5200.00} Reported Late Payment XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Credit : {$110.00} Reported Late Payment Accounts Reported in Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX High Credit : {$190.00} Collection XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX High Credit : {$210.00} Collection Hard Inquiries Reported Without My Authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( two entries ) XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recognize some of these accounts and believe them to be fraudulent or inaccurately reported. Additionally, the reported late payments and collections are incorrect ; I have never been late on payments for these accounts to my knowledge. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate, incomplete, or unverifiable information on my credit report. I request that the CFPB take action to : Investigate each of the disputed entries listed above. 

Require the reporting creditors to provide verified proof of the debt and payment history. 

Correct or delete any information that can not be verified as accurate. 

Confirm in writing that these corrections have been made. 

These inaccuracies are damaging my ability to secure credit, and I urge swift investigation and resolution. Please acknowledge receipt of this complaint and provide updates regarding the status of the investigation. 

Thank you for your prompt attention to this serious 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Sent a debt validation letter to the consumer and all credit bureaus. No response back but It still show up as valid on credit reports. I never received a written notice. The debt collector has also sold the debt to another debt collector a lawyer office, but still says they are the holder of the debt. The debt collector is national credit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$720.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$2300.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$4500.00} XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XX/XX/XXXX - {$870.00} Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XX/XX/XXXX - {$720.00} XXXX - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$2300.00} XXXX  - XX/XX/XXXX - {$0.00} XXXX  - XX/XX/XXXX - {$4500.00} XXXX - XX/XX/XXXX - {$1500.00} XXXX XXXX  - XX/XX/XXXX - {$1000.00} XXXX  XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX - XX/XX/XXXX - {$610.00} XXXX - XX/XX/XXXX - {$0.00} XXXX - XX/XX/XXXX - {$1100.00} XXXX  - XX/XX/XXXX - {$870.00} Hard 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 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy Federal closed my dispute appeal request and told me they can not move forward without documentation from XXXX XXXX. However, Navy Federal keeps closing my case as if it is resolved, even though the appeal has never been completed. They have not explained my rights or responsibilities clearly, and they are not processing my appeal according to Regulation E. Ive spoken to multiple supervisors who have told there is nothing they can do the case is closed and they can not discuss legal issues with me ( regulation e ). I had 2 supervisors hang up on me while i was talking one even saying the conversation was no longer productive.This complaint is NOT about the original transaction and NOT a duplicate. It is about Navy Federal failing to properly handle my appeal and giving confusing and incomplete information about the process. XXXX XXXX closed my case instead of providing the documentation Navy Federal needs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding serious inaccuracies and unauthorized activities on my credit report, which are in direct violation of the Fair Credit Reporting Act ( FCRA ). These issues have caused, and continue to cause, severe harm to my creditworthiness and financial standing. 

The following accounts and inquiries are in dispute : XXXX XXXX XXXX Account XXXX Status : Charge Off Open Date : XX/XX/year> High Balance : {$20000.00} I have no knowledge of this account, nor did I ever authorize any credit or financial activity with XXXX XXXX XXXX. This account is fraudulent and inaccurate, and I demand its immediate deletion from all credit reporting agencies. 

XXXX  XXXX XXXX XXXX Hard Inquiry ( XX/XX/year> ) XXXX XXXX XXXX Hard Inquiry ( XX/XX/year> ) These inquiries were made without my authorization. I demand that these unauthorized inquiries be removed immediately. 

I request that the CFPB investigate these matters promptly and ensure that my credit report is corrected to reflect only accurate and verified information. The reporting of fraudulent and unauthorized accounts is a serious violation of federal law, and I expect timely action to prevent further damage to my credit profile. 

Please confirm receipt of this complaint and provide updates regarding the investigation and corrective actions. I am prepared to take further legal action if these issues are not addressed promptly and appropriately.

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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My checking account was closed by Bank of America for potential fraud. They closed it and sent me a cashier 's check for the remaining balance if my account which was 2 payroll checks that were direct deposited and were ask to send the money back they did not and it's been over 90 days and they are playing around and I need and want my money cashier 's check was for {$1700.00}. They have all my updated information and they won't do anything to get my money to me.

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 monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I called Ally to ask how much additional payment had been applied to my principal, and they confirmed the funds were used., but i don't see the results. It was stated that i still owe 18 more payments. I made additional payments toward the loan, and do not see the results. Something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am disputing several items that appear inaccurate or unverifiable on my TransUnion credit report. Please conduct a reinvestigation per FCRA 611 and remove or correct any information that can not be substantiated. 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX Reported charged off on XX/XX/XXXX, {$0.00} balance. Please verify or delete if unsubstantiated. 

XXXX Account # XXXX Reported charged off on XX/XX/XXXX, {$0.00} balance. Please verify accuracy or remove. 

XXXX Account # XXXX Reported charged off on XX/XX/XXXX, {$2100.00} balance. This appears to be outdated and should be deleted if unverifiable. 

Late Payments in Dispute : XXXX  XXXX Account # XXXX XXXX payment entries appear inconsistent or inaccurate. Please validate or remove. 

XXXX Account XXXX XXXX Late payment data is disputed as inaccurate. Please verify or delete. 

Inquiries in Dispute : The following inquiries appear excessive, duplicated, or potentially unauthorized. Please verify the permissible purpose of each or remove those that can not be substantiated : 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 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 non-monetary relief
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I am a consumer reviewing my credit report and have found several items that appear to be inaccurate or unverifiable. I am requesting that Equifax conduct a full investigation into the accounts listed below and remove or correct any that can not be verified as accurate under the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX  Account # XXXX Reported charged off on XX/XX/XXXX, {$0.00} balance. This account is inaccurate and unverifiable. Please investigate and provide verification of all reporting details or remove. 

XXXX Account # XXXX Reported charged off on XX/XX/XXXX, balance {$2100.00}. This account is outdated and may be reporting beyond the allowable period under FCRA 605 ( a ). Please verify or delete. 

Late Payments in Dispute : XXXX  XXXX Account # XXXX Late payment information appears inaccurate or inconsistent with original creditor data. Please verify all late payment entries or remove them. 

XXXX Account XXXX XXXX XXXX payment reporting is disputed as inaccurate. Please provide full verification or delete.

Company response to consumer: Closed with non-monetary relief