vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 InquiryXXXX XXXX InquiryXXXX XXXX XXXXXXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXXXXXX InquiryXXXX XXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union 's customer service representatives informed me that Navy Federal has no secure way to receive information from third parties for wire transfers. They expected their member to gather information from me to use their e-form for domestic a transfer. They wouldn't want to text or email their information to someone they're doing business with who has no need to know that information. Why are they expecting anyone else to do this? It's common sense. What if your member gave their information to someone else and got their money stolen?

We are geographically separated. So use encrypted email. There are voice systems that allow for 3-way calls where you can mute one party and get information from the other securely. Implement something and make your processes secure. Stop putting everyone at risk. Which you have liability for by the way as a financial institution.

We already tried mailing checks and they sent a " promissory note instrument '' which states it's not a cashier 's check and said payable to the borrower and the receiver. Why? The person borrowing the money could actually cash it themselves and steal the money they owe someone. Use an actual check made out to only * the person receiving the money. It's literally guaranteed to be accepted at every credit union and bank on earth. Not a promissory note instrument. It's useless. Stop using it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
Experian for the past year has continued to report false information on my credit file from XXXX XXXX XXXX XXXX. The company continues to report false information. XX/XX/year> my contract with this company ended with a {$0.00} balance account was closed. Then in XX/XX/year> XXXX XXXX XXXX XXXX reported a new account number with a balance and a payment made on the account. It's my belief they are falsey reporting this information to further a debt I don't owe an adversely affecting my credit scores. I have submitted proof of the {$0.00} balance as well as requested where the new account came from along with new balance and where the payment came from. XXXX XXXX XXXX XXXX hasn't provided this information to Experian and Experian refuses to do a thorough investigation of the accuracy of this new account on 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
REFERENCE # XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NEW YORK 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 2025-08-08 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: MI

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : [ XXXX XXXX ], [ XXXX ]. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Larry H. Miller Group of Companies
State: FL

Complaint narrative:
i WENT CAR SHOPPING AT A DEALERSHIP AND THEY WERE ONLY SUPPOSED TO RUN MY CREDIT REPORT 1 TIME. i OBTAINED A COPY OF MY CONSUMER REPORT AND IT SHOWED THEY RAN MY CREDIT SEVERAL TIMES. EACH CONSUMER REPORTING AGENCY HAVE INCORRECT INFORMATION AND ACCORDING TO 15 U.S.C. 1681 AND INCORRECT, WRONG, OR PERSONAL INFORMATION OBTAINED ABOUT AN CONSUMER IS AGAINST THE LAW, AND IS ALSO DEFAMATION OF MY CHARACTER AS A PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
i WENT CAR SHOPPING AT A DEALERSHIP AND THEY WERE ONLY SUPPOSED TO RUN MY CREDIT REPORT 1 TIME. i OBTAINED A COPY OF MY CONSUMER REPORT AND IT SHOWED THEY RAN MY CREDIT SEVERAL TIMES. EACH CONSUMER REPORTING AGENCY HAVE INCORRECT INFORMATION AND ACCORDING TO 15 U.S.C. 1681 AND INCORRECT, WRONG, OR PERSONAL INFORMATION OBTAINED ABOUT AN CONSUMER IS AGAINST THE LAW, AND IS ALSO DEFAMATION OF MY CHARACTER AS A PERSON

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was billed {$1100.00} by XXXX XXXX, who later transferred the debt to IC System. I made two payments totaling {$320.00} to IC System, bringing the balance to about {$810.00}. Despite this, XXXX continued sending statements on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX showing the full {$1100.00} balance and urging full payment. 

When I first raised concerns about the duplicate billing and asking where my money was going if not to my account with XXXX, I was told to wait 30 days for the balance to update. I waited but even after the 30 days passed, nothing changed. XXXX kept sending statements with the full balance and has still not reflected my payments. 

IC System confirmed the lower balance but said XXXX prohibits them from settling this type of account. After I pushed back about the ongoing double collection attempts and apparent miscommunication about where my payments are going, they said they would contact XXXX and told me to call back in 14 days. 

Since then, Ive been hung up on multiple times. On XX/XX/XXXX at about XXXX, a rep named XXXX ( ID XXXX ) told me she would connect me to someone who could help with my situation and then hung up while i was on hold. I called again and the new rep told me she couldnt work the account because it was changed to some special kind of account and that she was transferring me to someone who could then hung up. This was the 3rd time in one day id been hung up on after attempting to actively work with them. When I called back, no one answered.

Im being billed simultaneously by both companies for the same debt. The misleading communication, refusal to settle, and multiple hang-ups all raise serious FDCPA and FCRA concerns . I want this investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: GA

Complaint narrative:
I discovered multiple collection accounts on my credit report that I was previously unaware of. These accounts were placed by different companies without my knowledge, and I was never properly notified or given a chance to resolve or dispute the debts before they were reported. Heres a breakdown : 1. XXXX XXXX XXXX / XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$480.00} Issue : I was never informed by XXXX XXXX XXXX about any outstanding balance. I received no bills, notices, or communication. The debt appeared on my credit report unexpectedly. 
Actions Taken : I contacted both XXXX and XXXX for more information and requested validation of the debt. I am now formally disputing it and requesting removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 InquiryXXXX XXXX  InquiryXXXX XXXX XXXXXXXX InquiryXXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX XXXX InquiryXXXX XXXX XXXX XXXX  InquiryXXXX XXXX XXXX  InquiryXXXX XXXX InquiryXXXX XXXX XXXX  InquiryXXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal 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 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 2025-08-07 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: CA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I, XXXX XXXX, am filing this complaint against Equifax, Experian, and TransUnion regarding their ongoing failure to correct inaccurate payment history information in my credit reports, despite multiple disputes. 

This is my third formal attempt to have these inaccuracies corrected. My first dispute was submitted over 35 days ago, followed by a second dispute, yet the bureaus have not provided any valid documentation verifying the legitimacy of the reported late payments. 

The disputed accounts are : Late Payment ( Open ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment ( Open ) XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe basis of my dispute is that these late payments appear to be the result of billing errors as defined under 15 U.S.C. 1666 ( b ), including : Failure to correctly post or credit timely payments ; Computation or accounting errors by the creditor ; Failure to send a billing statement at least 21 days before the due date, which makes the reporting of late payments legally invalid.

Despite these clear issues, the bureaus have failed to provide : The method of verification used to confirm the accuracy of these late payments ; The name and contact information of the furnisher ( s ) ; Any documentary proof that substantiates the late payments being reported.

Under 15 U.S.C. 1681i, the bureaus are required to conduct a reasonable reinvestigation of disputed information. Under 15 U.S.C. 1681e ( b ), they are obligated to follow procedures ensuring maximum possible accuracy. The continued reporting of these unverified late payments constitutes a violation of these provisions.

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