vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b"Transunion is violating the Fair Credit Reporting Act (FCRA). I have submitted a formal dispute for a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that is the result of a crime. I provided an official, final court judgment (Case XXXX XXXX  which legally proves I am a victim of fraud and not liable for this debt.\nIn blatant disregard for a legal court order, the bureau completed its 'investigation' and stated the account was 'verified' by the creditor. An investigation that ignores a court judgment is not a 'reasonable investigation' as required by 15 U.S.C.  1681i. The perpetrator of this fraud is a convicted federal felon for this exact type of crime.\nI demand that the CFPB compel Transunion to comply with the law, respect the enclosed court order, and immediately delete this fraudulent tradeline and all associated inquiries from my credit file."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent accounts currently listed on my credit report. These accounts do not belong to me and were never authorized, opened, or acknowledged by me. Their inclusion is inaccurate, misleading, and a direct violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
am filing a complaint against Navy Federal Credit Union for improper handling of my credit card account and disputed charges. I experienced multiple unauthorized charges from XXXX XXXX Video on my Visa Platinum card, which I disputed on or around XX/XX/year>. Navy Federal failed to issue provisional credits in a timely manner as required by Regulation Z and did not provide clear resolution updates. Additionally, the bank deducted partial payments ( {$99.00} on XX/XX/year> and {$140.00} on XX/XX/year> ) from my other accounts without prior notice or proper explanation, despite the credit card bill not being due until XX/XX/year>. I also noticed that my refunds from XXXX on XX/XX/XXXX were not properly applied to satisfy the balance before Navy Federal withdrew funds. Later, I was charged interest and late fees on XX/XX/XXXX and XX/XX/XXXX, which appears to be the result of delayed crediting and misapplied payments. The lack of transparency and inconsistent handling of payments, disputes, and automatic collections is unacceptable, and I am seeking a full investigation into Navy Federals practices, reversal of the late fee and interest charges, and enforcement of my rights under the Truth in Lending Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: IL

Complaint narrative:
Account : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request validation of the credit debt you claim I owe as per the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g. I dispute the validity of this debt and request proof that I owe the amount stated. 

To facilitate this process, please provide the following documentation : XXXX. A copy of the original credit card agreement. 
XXXX. A detailed breakdown of the amount claimed, including any fees or charges added. 
XXXX. Proof of payment history and any credits applied. 
XXXX. Verification that the statute of limitations for collecting this debt has not expired If the debt is not validated, I request that it be removed from my credit report. 

Please respond within XXXX  days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XXXXXXXX XXXX XXXX  I attempted to access my credit report with Experian online and was unable to access any recent info. The system indicated I needed to provide additional identification. I mailed copies of my government-issued ID and proof of address to Experians XXXX, TX address as instructed. 

As of today, I have received no response, no updated information in the online portal, and no mailed credit report. I have attempted to call Experian multiple times but have not been able to reach a live representative. 

This denial of access is preventing me from reviewing and disputing inaccurate items on my credit file. Under the Fair Credit Reporting Act ( FCRA 609 ), I am entitled to a complete copy of my credit file within 15 days of submitting proper identification. Experian has failed to comply with this requirement. 

I am requesting that Experian immediately provide me with full access to my credit file and update my online account access so I can exercise my rights to dispute and correct inaccurate 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 2025-09-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute regarding accounts fraudulently reported under my name. I did not authorize or create these accounts, and they are the result of error or possible identity theft. Their presence on my credit file is false and severely impacts the accuracy and integrity of my report.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: NV

Complaint narrative:
I paid {$3200.00} to settle the debt in full. The debt was settled. They gave me a receipt and a letter saying that that been settled in full but still the {$9000.00} debt is showing on my credit. This debt was actually placed into collections in XXXX  then reassigned to a different debt collector in XXXX  this original debt was for a vehicle purchased in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-05 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Experian Notice of Default & {$26000.00} Claim ( With Violations Listed ) Subject : Notice XXXX XXXXefault Multiple Violations & Claim for {$26000.00} -- - Dear Compliance Officer, This email serves as formal Notice of Default. 

On XX/XX/year>, I submitted a lawful dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, regarding inaccurate and unlawful information you have furnished about XXXX : XXXX. 

You were required to investigate and respond within 15 days, as specified in my dispute and payment demand. That deadline expired on XX/XX/year>, and you failed to comply. 

In addition to failing to respond, your reporting and actions constitute the following violations : XXXX. Unlawful XXXX Reporting reporting a repossession that occurred in breach of peace and without proper legal standing. 


XXXX. Fraudulent Collection Activity attempting to collect debts without lawful authority or verified documentation. 


XXXX. Sale to XXXX without XXXX transferring the alleged debt to a third party without establishing legal right or proper assignment. 


XXXX. Illegal XXXX Practices including threats, misrepresentation, and reporting of unverifiable, inaccurate, or incomplete information. 



Pursuant to my Affidavit of Status, Fee Schedule, and prior notices, these violations trigger a contractual obligation of {$26000.00}, payable to Averian-Lemar : XXXX You are now in Default. 

Demand is hereby made for : 1. Immediate deletion of all inaccurate, unverifiable, and incomplete information. 


XXXX. Written confirmation of deletion. 


XXXX. Remittance of {$26000.00} payable to Averian- XXXX XXXX XXXX XXXX 10 days of receipt. 



Failure to comply will result in filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), North Carolina Attorney General, and pursuing civil action for damages. 

This Notice is sent in good faith, reserving all rights and remedies at law and equity. 

Respectfully, Averian-Lemar : XXXX Secured XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report. 
Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account was closed on XX/XX/XXXX, but my credit report continues to show late payments and a balance reported as recently as XX/XX/XXXX. 
XXXX filed XXXX XXXX  bankruptcy on XX/XX/XXXX and is liquidating all stores and operations. Since XXXX is bankrupt and no longer operating, it can not verify consumer debts. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit bureaus may only report information that is accurate, complete, and verifiable. This account is inaccurate and unverifiable. 
I am requesting the permanent deletion of this account from my reports with Experian, Equifax, and TransUnion. 
Supporting evidence attached : XXXX of XXXX bankruptcy and liquidation announcement XXXX of my credit report showing account closed in XXXX but reporting late in XXXX XXXX XXXX filed bankruptcy and is liquidating, so it can not verify consumer debts. 
Account is closed ( XX/XX/XXXX ) yet shows late payments and balances into XXXX, which is inaccurate. 
Under FCRA, information must be accurate, complete, and verifiable. 
I am requesting permanent deletion of this tradeline from all credit bureau reports.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing inaccurate information on my credit report. 
Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account was closed on XX/XX/XXXX, but my credit report continues to show late payments and a balance reported as recently as XX/XX/XXXX. 
XXXX filed XXXX XXXX  bankruptcy on XX/XX/XXXX and is liquidating all stores and operations. Since XXXX is bankrupt and no longer operating, it can not verify consumer debts. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit bureaus may only report information that is accurate, complete, and verifiable. This account is inaccurate and unverifiable. 
I am requesting the permanent deletion of this account from my reports with Experian, Equifax, and TransUnion. 
Supporting evidence attached : XXXX of XXXX bankruptcy and liquidation announcement XXXX of my credit report showing account closed in XXXX but reporting late in XXXX XXXX XXXX filed bankruptcy and is liquidating, so it can not verify consumer debts. 
Account is closed ( XX/XX/XXXX ) yet shows late payments and balances into XXXX, which is inaccurate. 
Under FCRA, information must be accurate, complete, and verifiable. 
I am requesting permanent deletion of this tradeline from all credit bureau reports.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXXXXXX XXXXXX/XX/year>

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 2025-09-05 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-05 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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