vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: MO

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-06-23 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter. CHARGE OFF / COLLECTION : XXXX  XXXX / XX/XX/XXXX / {$800.00}, XXXX XXXX XXXX XX/XX/XXXX / {$0.00}, XXXX XXXXXXXX / XX/XX/XXXX / {$1600.00}, XXXX  XXXX / XX/XX/XXXX / {$750.00}, XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I paid a collection account and disputed with the credit bureau. The bureau removed the collection since it was paid for and was promised to be deleted by the credit bureau agency. now the company has re-reported it as a open balance and harmed my credit. I am willing to not get a lawyer involved if Transunion does not delete the item as such paid letter or I will sue for wrongful reporting. Did Transunion not get sued for this already?

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 2025-06-23 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:
I'm writing to demand the immediate and permanent removal of a fraudulent account that has been reported under my name and appears on my credit report. This account was opened without my knowledge, consent, or authorizationin other words, it is the result of unauthorized and criminal use of my personal identity. 

Let me be very clear : I did not open this account. I did not apply for it. I have no affiliation with it, and I have never benefited from it in any way. Its presence on my credit report is not only inaccurate but also harmful and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CBC Companies, Inc.
State: NC

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 2025-06-23 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: AR

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AR XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
To Whom It May Concern, Case ID : XXXX I am writing to formally express my dissatisfaction with how my dispute has been handled regarding two unauthorized or erroneous charges totaling {$460.00} dated XX/XX/year> on my JetBlue credit card issued by Barclays. 

Immediately upon identifying the issue, I contacted Barclays to dispute the charges and submitted the required supporting documentation. This included : My bank statements showing the amount was already paid to the establishment by personal check, Email correspondence with the establishment confirming the charges were posted in error. 

Despite my timely action, the case was closed twice without proper resolution : The first closure was attributed to insufficient documentation, although after speaking with a representative and confirming receipt of the necessary documents, the case was reopened. 

After nearly three months of no updates, the case was closed again, this time citing it was outside of the permitted timeframes to continue this claim. I strongly contest this, as I have been diligent in following up on this case monthly since the initial dispute and was consistently denied any meaningful updates. Additionally, manager escalation requests were ignored or deferred every time I called. 

Adding to the frustration, late fees were assessed from XXXX through XXXX during the pending dispute, bringing the current disputed amount to {$490.00}. This situation is not only financially unjust but reflects extremely poor customer service and procedural breakdowns. 

I am now requesting the following : A full reversal of the {$490.00} in disputed charges and late fees, An official explanation for why the dispute was closed under a timeframe violation, despite my prompt action and continued follow-up, Removal of any negative credit reporting that may have resulted from this issue.

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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal Credit Union 's Banking Malpractice/Negligence and Banking Fraud .

I had a business bank account with Navy Federal Credit Union and it closed. 

I disputed charges, and was supposed to receive a check in the mail in late XXXX. And the check did not arrive. 

I started this process of recovering this cashier 's check on XX/XX/XXXX after the first check was lost in the mail. 

I am XXXX, and need those funds as I do not have an income at the present time. 

Moreover, I was going to use those funds for a deposit for a school program. As a direct result of Navy Federal Credit Union not sending the cashier 's check within 3 days as they stated via phone in XX/XX/XXXX, I missed a critical deadline in XX/XX/XXXX to apply for XXXX XXXX and grants. This was due to Navy Federal Credit Union 's alleged Banking Malpractice/Negligence and Banking Fraud . 

Recently I spent an hour and a half on the phone trying to get Navy Federal Credit Union to tell me when they intend to send me the cashier 's check in the mail. 

I also called the Navy Federal CU two weeks ago to inform them that I returned shoes via mail to XXXX XXXX XXXX, and that amount needs to be credited to my account also. Navy Federal Credit Union did not upload the information to my email for me to send them the voicemail message where one of the XXXX employees confirms that they have possession of those shoes. Therefore I need Navy Federal Credit Union to also send me that amount of the shoes. 

The people at this entity are incompetent and I need CFBP to assist me in resolving this matter as expeditiously as possible. 

Thank you for your time and assistance with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of consumer reports. I am disputing an erroneous entry of {$880.00} [ e.g., a reported debt or charge ] on my credit report, dated XXXX XXXX  2025, because it is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ), I request that the agency promptly investigate this item, correct or delete the inaccurate information, and notify me of the results within 30 days. Please provide verification of the disputed amount or remove it if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/year> booked airline ticket for my wife for travel on XXXX XXXX from XX/XX/year> until XX/XX/year> under confirmation code : XXXX. Per the attached medical proof, my daughter had emergency XXXX for XXXX on XX/XX/year>. The attached proof has the following : name of medical center, date of procedure, procedure performed. Be advised, that I have reviewed the most recent Contract of Carriage for the above airline, the document makes no mention of the policies/procedures in regards to documentation requirements/refund processing for medical emergency refunds. 

I have already attempted to rectify the situation with the merchant. The merchant is assessing me a {$99.00} penalty. 

Thus, by way of this complaint, I am initiating a billing dispute for {$99.00} under Loan ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of consumer reports. I am disputing an erroneous entry of {$1000.00} [ e.g., a reported debt or charge ] on my credit report, dated XX/XX/2025, because it is inaccurate or incomplete. Pursuant to 15 U.S.C. 1681i ( a ), I request that the agency promptly investigate this item, correct or delete the inaccurate information, and notify me of the results within 30 days. Please provide verification of the disputed amount or remove it if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: IL

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-06-23 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
Yes I have already file a complaint with the consumer finance protection bureau which one main respond back was a lie I just contact onemaim XXXX spoke to a.lady who said my truck sell date was yesterday when onemain told the cfpb last week they were extending the sale date XX/XX/year>. I have requested my personal items several times with no response and the letter i received states to get my personal items back i have to pay off the truck in full which is not the law in Virginia. I didnt get a prenotice and I emailed onemain on XX/XX/XXXX that I sent the bank statement proving I made the payment and what is the issue no one respond. You cant reach someone by phone then you email them or send them a letter nothing was sent. How do you lie to the cfpb?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation