vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: NJ

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: AR

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-08-13 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: AR

Complaint narrative:
The following item ( s ) appeared on my credit report, but I did not open or authorize them. I believe these are the result of identity theft or misuse of my personal information. I have never had any dealings with the listed creditors, nor did I consent to the use of my information for these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-08-13 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:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX, XXXX. XXXX, which XXXX, XXXX. confirmed would be removed but remains on my report ; This is identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-13 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: GA

Complaint narrative:
This complaint is submitted against Experian for continued reporting of inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ).

Disputed Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : - 15 USC 1681i Failure to conduct a proper reinvestigation - 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy - 15 USC 1681b Lack of permissible purpose These items remain on my credit report without proper validation or proof of permissible purpose. I have requested a manual investigation, not via the automated e-OSCAR system. I am requesting the removal of these accounts and a full investigation with proper documentation provided 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 explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
This complaint is submitted against Experian for continued reporting of inaccurate and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ).

Disputed Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : - 15 USC 1681i Failure to conduct a proper reinvestigation - 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy - 15 USC 1681b Lack of permissible purpose These items remain on my credit report without proper validation or proof of permissible purpose. I have requested a manual investigation, not via the automated e-OSCAR system. I am requesting the removal of these accounts and a full investigation with proper documentation provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ). Consumer Name : ( XXXX XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), an personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), an collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX, that appears to the aforementioned account opened at XXXX  XXXX as labeled on my report, and a a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I also attached the screenshot proof of data breach below.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year> I sent dispute letters concerning the fraud on my account for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX to Equifax, XXXX XXXX to Transunion, and XXXX XXXX and XXXX inquiries, XXXX XXXX XXXXXXXX and XXXX XXXX to Experian for disputing due to identity theft. I attached my FTC report, Affidavit of Truth, which was notarized, and documents needed due to the identity theft. I previously disputed fraudulent accounts on my Experian credit report and submitted valid documentation, including my FTC Identity Theft Report. All XXXX bureaus removed the fraudulent accounts XXXX have now reinserted the same accounts without following the legal requirements under the FCRA. 

Federal Consumer Law Violations : Failure to Notify of Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) The FCRA requires written notice by mail within five business days before or after reinserting previously deleted items. Experian failed to send any written notice by mail.

Failure to Provide Investigation Results by Mail 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) The FCRA requires mailing the results of any reinvestigation, including a description of the procedures used to verify accuracy. This was not provided.

Failure to Permanently Block Identity Theft Accounts 15 U.S.C. 1681c-2 ( a ) Once identity theft is reported with valid documentation, fraudulent accounts must be permanently blocked. 

None of the bureaus followed this laws and it has caused my credit to take a huge dive and cause financial and emotional distress as well.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year> I sent dispute letters concerning the fraud on my account for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX to Equifax, XXXX XXXX to Transunion, and XXXX XXXX and XXXX inquiries, XXXX XXXX XXXXXXXX and XXXX XXXX to Experian for disputing due to identity theft. I attached my FTC report, Affidavit of Truth, which was notarized, and documents needed due to the identity theft. I previously disputed fraudulent accounts on my Experian credit report and submitted valid documentation, including my FTC Identity Theft Report. All XXXX bureaus removed the fraudulent accounts XXXX have now reinserted the same accounts without following the legal requirements under the FCRA. 

Federal Consumer Law Violations : Failure to Notify of Reinsertion 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) The FCRA requires written notice by mail within five business days before or after reinserting previously deleted items. Experian failed to send any written notice by mail.

Failure to Provide Investigation Results by Mail 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) The FCRA requires mailing the results of any reinvestigation, including a description of the procedures used to verify accuracy. This was not provided.

Failure to Permanently Block Identity Theft Accounts 15 U.S.C. 1681c-2 ( a ) Once identity theft is reported with valid documentation, fraudulent accounts must be permanently blocked. 

None of the bureaus followed this laws and it has caused my credit to take a huge dive and cause financial and emotional distress as well.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account was suspended and locked for fraud that was therally investigated. There was a charge on my account from XXXX XXXX XXXX for XXXX dollars. I disputed this charge because I was not able to get access to a vehicle with out a credit card. Prior to this the man at XXXX ran my card and then proceeded to tell me I could not use that card. I IMMEDIATELY CALLED XXXX XXXX ON A RECORDED LINE TO MAKE SURE THE CHARGE DID NOT GO THREW to validate the mans statement and was told no charges were there. A week or two later I have SEVERAL CHARGES FROM XXXX charges once again I call XXXX XXXX they were confused about the charges and why so many charges next they did an investigation sent me a paper coming from XXXX WITH A TOTALLY DIFFERENT NAME NO SIGNATURE BUT MY CARD AND LAST NAME. XXXX XXXX refused to return my funds there was hotel charges on my account that were double charges the manager from the XXXX made a statement that she accidentally charged me several times XXXX XXXX told me I HAD TO GO BACK TO THE HOTEL IN A DIFFERENT STATE TO RECEIVE MY MONEY XXXX XXXX saw the charges that she reversed ALSO THE DOCUMENTS OF THE DOUBLE CHARGES ON BOTH MY CARDS FOR THE SAME NIGHT SAME ROOM. I did not want to lose my XXXXXXXX XXXX account because XXXX XXXX XXXXXXXX shut down my accounts based off reasons they could not provide XXXX XXXX has all my accounts available but I can not have a debit card nor XXXX or anything until XX/XX/year> this is not right and unfair I also submitted police reports for XXXX and for personal fraud. I really want my accounts back I done nothing wrong. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Five accounts two savings

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I have spoke to the original creditor and was told this account would be removed and there was no balance due. Then the account was sold and had been sold to several other creditors.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I am XXXX XXXX who applied for a mortgage loan with XXXX XXXX the mortgage broker and he chose XXXX XXXX senior loan officer of Citi bank in the end of XXXX for closing date XXXX XXXX. I finished my application in the end of XXXX online, and kept waiting throughout XXXX and followed up multiple times with XXXX regarding when the appraisal would be, and he kept leading me on and did not give me a final answer up until end of XXXX. The appraisal then went into revision and unfortunately I wont be able to make the XXXX of XXXX as my closing date .. XXXX XXXX the Senior loan officer at Citibank who managed my application was not transparent with me, kept leading me on since day one saying your closing date is guaranteed, at this point XXXX and XXXX has stopped replying to my text nor is picking up my calls. This experience has been nothing short than a nightmare for me. I have to move out of my apartment and have no idea when my closing date will be. Since last week all XXXX has said is, this will happen today, tomorrow, today or tomorrow. I dont know who to report to or complain to regarding the mental and financial stress and frustration I have faced from this .. Im extremely disappointed with their customer service and communication and lack of professionalism and I wouldnt recommend Citi bank to anyone for mortgage.

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