vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-07-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/year>2025, I wired {$12000.00} from my account at XXXX XXXX to a Navy Federal Credit Union account under false pretenses. The transfer was part of a scam involving an individual posing as a middleman in an online luxury watch transaction. The funds were sent to a Navy Federal account in the name of " Investment Assets and Property Management Consulting. '' I identified the fraud the next day and immediately notified XXXX, who submitted a formal wire recall and fraud alert to Navy Federal 's fraud department on XX/XX/XXXX at XXXX XXXX. Navy Federal has since been in communication with XXXX, but they have not confirmed to either me or XXXX whether the account has been frozen or whether the funds are still available.

I compiled and submitted all supporting documentation, including an affidavit, police report, FBI IC3 complaint, and social media evidence. Despite this, I have received no formal communication from Navy Federal and no confirmation that steps were taken to recover or preserve the funds.

This delay and lack of transparency from Navy Federal raises serious concerns about their fraud response protocols and consumer protection obligations. I have also submitted a formal complaint to the XXXX ( Case # XXXX ). 

I am requesting CFPB assistance to ensure that Navy Federal has acted appropriately and to help secure recovery of the traceable funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
I am writing to formally dispute the validity of the debt you have reported on my credit report under the account number [ XXXX XXXX XXXX  ]. According to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I am entitled to receive proper validation of any alleged debt within five ( 5 ) days of your initial communication with me.

To date, I have not received a legally compliant debt validation notice outlining the amount of the debt, the name of the original creditor, and my rights as a consumer. This failure to validate constitutes a direct violation of the FDCPA.

Due to your non-compliance with federal law, I am requesting the immediate removal of this account from any and all credit reporting agencies to which you have reported. Continuing to report this account without proper validation is considered unfair and deceptive and may be grounds for legal action and complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please consider this my formal request to : Cease all collection activities on this account. 

Delete the account from my credit reports with all three major credit bureaus ( XXXX XXXX and XXXX  ). 

Send me written confirmation of the removal.

If you are unable to validate the debt, you are legally obligated to delete the tradeline and cease further contact with me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Experian Information Solutions XXXX Inc. for willful and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 1681i, related to their failure to conduct a reasonable investigation into inaccurate and damaging information on my credit report. 

Despite multiple disputes and clear evidence provided, Experian continues to report [ describe the inaccurate informatione.g., collections, late payments, or inquiries ] that is demonstrably incorrect. This negligent behavior has severely damaged my creditworthiness, causing financial harm, emotional distress, and obstructing my ability to secure credit and conduct business. 

I demand : 1. Immediate removal of all inaccurate and unverifiable information from my credit report.

2. A thorough and compliant reinvestigation in accordance with FCRA guidelines.

3. Notification of all parties who have received my credit report containing the disputed information.

4. Confirmation from Experian that these actions have been taken.

If Experian fails to comply promptly and fully, I am prepared to pursue all available legal remedies, including filing a lawsuit for willful violations under 15 U.S.C. 1681n. Such a lawsuit may seek statutory damages of up to {$1000.00} per violation, actual damages for harm suffered, punitive damages, and recovery of attorneys fees and costs. 

The ongoing presence of false information is unacceptable, illegal, and I demand swift corrective action.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Experian Information Solutions XXXX Inc. for willful and egregious violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n and 1681i, related to their failure to conduct a reasonable investigation into inaccurate and damaging information on my credit report. 

Despite multiple disputes and clear evidence provided, Experian continues to report [ describe the inaccurate informatione.g., collections, late payments, or inquiries ] that is demonstrably incorrect. This negligent behavior has severely damaged my creditworthiness, causing financial harm, emotional distress, and obstructing my ability to secure credit and conduct business. 

I demand : 1. Immediate removal of all inaccurate and unverifiable information from my credit report.

2. A thorough and compliant reinvestigation in accordance with FCRA guidelines.

3. Notification of all parties who have received my credit report containing the disputed information.

4. Confirmation from Experian that these actions have been taken.

If Experian fails to comply promptly and fully, I am prepared to pursue all available legal remedies, including filing a lawsuit for willful violations under 15 U.S.C. 1681n. Such a lawsuit may seek statutory damages of up to {$1000.00} per violation, actual damages for harm suffered, punitive damages, and recovery of attorneys fees and costs. 

The ongoing presence of false information is unacceptable, illegal, and I demand swift corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 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: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/2025 TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I made my payment which the check was returned so I called the mortgage company to let them know so I could go ahead and make another payment from my other account so it would not be late. They did not show it returned on their end as yet and they said that they would run it again and I did not need to pay. They did not run it again. So I did not see until XXXX that it was not paid. Therefore I did not pay XXXX mortgage until XX/XX/XXXX because of false information that was given to me and that is when I actually looked and my account and saw the NSF fee posted. I have filed several disputes via all 3 credit bureaus requesting that they listen to the recorded call and remove the late payment from my account, the latest one was last month XX/XX/XXXX. They never respond with proof of what happened during that recorded phone conversation.

I have attached screenshots of my account balances the NSF fee and when the payment was made.

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
My account was closed because of fraud activity I let the bank know that no man shouldve been calling in because I am a woman and no male is listed to have access to my account no one listened and my account was closed

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 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have overdrafts and money that was taken even when it's not supposed to be. They said they won't give it all back because they did one as a courtesy. It wasn't a courtesy it was a corrected mistake so they won't do the rest

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The terms of this loan are unknown and it says debt buyer account I don't know this account please get me the original contract and get this off my credit since the sold the debt anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year> I sent dispute letters to XXXX XXXX XXXX XXXX XXXX ( DEBT BUYER ) request for all information regarding this alleged loan that was charged off by XXXX XXXX and the sold to XXXX XXXX XXXX for reported trade line issue discrepancies and omissions. I waited almost two months with no return correspondence by ither entity. On XX/XX/year> I sent the requests again as well as sending a dispute letter to Experian as well. Here it is XX/XX/year> and still nor response from any parties including Experian who you just perfected a lawsuit against for not doing their due diligence when it comes to accurate information and fact finding investigations on the customers behalf. This is disgusting business practice.

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 2025-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am currently facing financial hardship and unemployment, which has led me to fall behind on my mortgage payments with Pennymac USA. While I am actively exploring options for relief, the conduct of Pennymac or its affiliated third-party representatives has become unacceptable, invasive, and potentially unlawful. 

On XX/XX/year>, while I was away from home, an individual claiming to represent Pennymac or acting on their behalf arrived at my residence unannounced. This person engaged with my XXXX son, who is a XXXX, and disclosed private financial details, including that I was seriously behind on my mortgage. This disclosure was unauthorized and emotionally distressing for my child. 

In addition to disclosing this information, the individual took photos of the property and behaved in a way that made both of my children feel extremely uncomfortable and intimidated. This is a clear violation of my family 's right to privacy and may constitute harassment under both state and federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I have been receiving repeated and aggressive phone calls, which are adding to the mental and emotional stress my household is already experiencing due to these financial difficulties. Rather than offering support or solutions, the approach has been hostile, inappropriate, and damaging to my family. 

I am requesting an immediate investigation into this incident, a formal written response, and that all such actions cease immediately. I also request information on available options for mortgage relief or hardship assistance, as I am committed to resolving the situation responsibly and lawfully.

Company response to consumer: Closed with explanation