vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

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The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NEW YORK COMMUNITY BANCORP INC
State: MO

Complaint narrative:
Tried logging into the account on XXXX. Upon logging I noticed that a transfer out of the account I had scheduled for today was cancelled and that my account was frozen. I was given a number to call for support. I called that number, waited on hold for 20 minutes, got passed to two different people, and then were finally told they would create a ticket for support from their " back office '' team and that team would contact via email within 48 hours. I stated that I can't wait that long to have access to my money, what other options do we have. I was told this is the only option and they would try to " escalate '' the ticket. It's been several hours and I haven't been contact yet ( and based on other interactions with this company I doubt I will be contacted ). 

How can a bank think it's ok to only provide one option to get your money and then not help resolve an issue immediately when that one solution is the only way to get your money.

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 2025-07-17 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
XX/XX/year>, I tried to use my card at a atm to buy a part for the XXXX XXXX but the atm kept saying canceled. I ended up using my personal card because of the time crunch. I ended up later trying to login to see why my card wasn't goin through but it said I had to call the bank, so I did immediately I asked why I couldn't login to neither business or personal account and they transferred my call. Upon speaking with a lady from what supposed to be the security team I learned that my account was restricted due to a wire from a customer claiming to not have made the wire payment ( scammer ). Despite me sending in proof of the screenshots of proof of payment from the customer they left my account restricted with no access to my business account and most importantly my personal account. I didnt not to even fight the customer and just let them continue to send the funds out of my business account ( trial and error for me ). 3 months later after calls of reps stating they can't give me any information on the account and XXXX appeals now XX/XX/XXXX over XXXX later and when I called XX/XX/year> at XXXX XXXX, the rep stated the samethang thing ( they can't give me any information on my account ). She then asked did I know the balances of my business accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I stated yes, XXXX XXXXXXXX total among all XXXX accts. She then said no I don't see that in your account, I only see {$19.00} in XXXX account, - {$23.00} in the other acct. and I for what she said was in the other but long story short all my money was gone and they won't tell me where it went. All I ask is that they give me my money I earned. I am behind on bills and no longer have the XXXX employees I had working for me. I've never experienced anything like this at a bank. It's sounds lime their just sending all my money back whomever sent something so they I won't get anything at all. All because of XXXX customer lying. This can't be the right practice for this situation. No reaching to me no contact just sending everything I had to where ever. Now people had gotten refunded and free services. This is not right. I want every XXXX I earned. I can't believe Navy Federal Credit Union is like this with their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Transunion Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the TransUnion data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\n\nUnder 15 U.S.C.  1681c-2(a), I request that Transunion promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax Has Failed To Remove XXXX XXXX XXXX Account From My Equifax Credit Report. XXXX XXXX XXXX Account Has Exceeded The XXXX Year Rule And Remains On My Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I sent a total of {$200.00}, using XXXX, to someone for some concert tickets they were selling. I had them show me proof that they had the tickets first, to verify. After I sent the money, that person blocked me on everything and did not send the tickets. I sent this money this morning, XX/XX/year>. I will be contacting my bank, but was told to submit here first.

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 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NM

Complaint narrative:
I received a text message XX/XX/year> at XXXX pm from XXXX XXXX XXXX XXXX asking me if I recognized activity from a XXXX XXXX on my XXXX XXXX account. I replied no. I immediately got a call from a man claiming to be a XXXX  XXXX ( XXXX ) XXXX. He asked me if I recognized another transaction. I stated no. He told me that I've been getting repeated attempts to post transactions to my account. He asked me to verify the last XXXX transactions I had made. He stated the activity was very alarming and that's why they were hired and someone else would call me about this ongoing investigation. I immediately got another call from XXXX XXXX XXXX XXXX. He stated his name was XXXX XXXX, a XXXX  XXXX from the FDIC to investigate XXXX XXXX. He stated someone within the credit union was defrauding my account and they needed to have me move all the funds to them temporarily and they would set up a new, private account for my protection. The call took about an hour as I had questions trying to understand what was going on. I ultimately went into zelle to transfer my money to the " XXXX XXXX ''. I had to call XXXX XXXX to release the funds as I had to get it approved. When the representative asked about the number I was calling from, I confirmed because the man on the phone told me it was an investigation about the bank and they had to keep it confidential so as not to compromise any information they were collecting. It was {$610.00} total. The transaction was sent to XXXX at ( XXXX ) XXXX. I was told to put XXXX XXXX to conceal the investigation. They told me afterwards I would receive a phone call at XXXX pm and they would set up my new private account that would be safe from the internal employee attempting to defraud my account. 
I filed a police report with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXXXXXX  I sent a dispute letter to Experian regarding false information being reported on my credit report. Experian is reporting under Public Records that I filed XXXX  XXXX on XX/XX/XXXX, and that this information was reported to them by XXXX XXXX XXXX XXXX XXXXXXXX. I sent them proof from the United States Bankruptcy Court, Office of the Clerk verifying that the Bankruptcy Court does NOT report information to the credit bureaus. I have also included proof of signature that they received my certified letter, however they did not take the proper actions required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) which states that they must remove any false information 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 2025-07-17 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: LA

Complaint narrative:
I am filing this complaint against Experian for refusing to correct inaccurate personal information in my consumer file, despite providing valid proof of identity. I submitted a copy of my government-issued passport clearly showing my correct legal name : XXXX XXXX XXXX XXXX 

Experian has refused to update my name and continues to report inaccurate information. This failure violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to maintain accurate information and correct errors upon notice. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel Experian to update my records with the correct information and delete any inaccurate data

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 2025-07-17 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I went for 2nd XXXX because XXXXXXXX XXXX  showed XXXX XXXXXXXX XXXX. I always had XXXX XXXXXXXX XXXX, I didn't understand why I had to go in for another one. On that day, I received a statement ( which I sent a copy to XXXX as they requested ) stating patient responsibility is {$0.00}. I even asked the front receptionist lady and she told me since I've already met my {$100.00} deductible there is no amount due. After that day I kept receiving bills for {$200.00} for the service and I thought it was an error since I had {$0.00} cost statement. Then a debt collector called and I told them the situation. She provided email address : XXXX and account number : XXXX and to send a copy of the statement. I sent that information on XX/XX/year> and that I should not be billed for any amount and requested to fix and correct it with collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-17 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-17 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Equifax 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Equifax to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Equifax responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Equifax for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who XXXX  from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Equifaxs refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Equifax fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Equifax be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Equifaxs stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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