vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, multiple unauthorized XXXX XXXX transactions from XXXX XXXX posted to my Navy Federal credit card account in amounts including {$52.00}, {$31.00}, {$20.00}, {$11.00}, {$10.00}, {$7.00}, and {$21.00} ( and similar charges ). These were not authorized by me. 

I made one authorized XXXX XXXX merchandise purchase for a physical item earlier that same day, and that purchase was legitimate. However, the XXXX XXXX charges were completely separate XXXX XXXX/website charges and were not made, approved, or authenticated by me. 

I never received the physical card associated with these transactions. The card was added to XXXX XXXX automatically before I ever had physical possession. XXXX XXXX requires Face ID or passcode authorization for purchases, and I did not provide either for any of these disputed transactions. 

XXXX has previously refunded other unauthorized purchases on my account ( proof attached ), showing a pattern of unauthorized activity.

I immediately reported the charges to Navy Federal and my card was replaced. I provided a signed affidavit, screenshots of the unauthorized transactions, proof of prior unauthorized refunds, and explanation that I never had the physical card.

Despite this, Navy Federal denied my dispute twice. They did not provide any XXXX XXXX authentication logs, authorization evidence, or explanation of how I could have approved transactions on a card I never physically received.

I believe Navy Federal failed to comply with Regulation E, which requires proper investigation and reimbursement of unauthorized electronic fund transfers. 

Requested resolution : Reimbursement for all unauthorized XXXX XXXXXXXX XXXX transactions, and documentation of any authentication or authorization Navy Federal claims to rely upon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Control, LLC
State: TX

Complaint narrative:
Some collection company sent me a bill from a credit card 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 2025-11-13 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 2025-11-13 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: TX

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions. 

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed 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 non-monetary relief
Consumer complaint received 2025-11-13 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: GA

Complaint narrative:
To Whom It May Concern, I am submitting this statement regarding unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries were not initiated by me, and I did not grant permission to any of the listed companies to access my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report to a person or entity that has a permissible purpose and has obtained the consumers authorization. The appearance of these inquiries violates my rights under the FCRA because no such authorization was provided.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) conduct a thorough investigation into these unauthorized inquiries and ensure that they are permanently removed from my credit report. I also request confirmation from the involved credit bureaus and creditors that appropriate corrective action has been taken.

Please note that unauthorized inquiries can negatively affect my credit profile, and I expect immediate attention to this matter in compliance with FCRA 611 ( Dispute Process ) and 616617 ( Civil Liability for Willful or Negligent Noncompliance ). 

Attached are copies of my identification and supporting documents verifying my identity and showing the disputed inquiries. 

Thank you for your prompt attention to this matter.

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 2025-11-13 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: WA

Complaint narrative:
I am submitting this formal complaint to dispute certain accounts on my credit report that I believe are inaccurate. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have recived in the mail a letter from bank CAPITALONE with a name of XXXX XXXX with my address XXXX XXXX XXXX XXXX XXXX XXXX  with information on the front the he pre approved for credit card. that person XXXX XXXX does not leave in my house and used my address to open credit card. 
I right on letter that there wrong address and send back to post office. 
Then, I make a phone call to CAPITAL ONE and explain that there id a fraud. 
They assure me that I will not receive letters on my address. 
Bit today XX/XX/25 I receive another letter with the same name on my address that credit card preaproved. 
I undestand that somebody want to open credit card on my address. I kip the letter as an evidence of fraud. Please help to stop this fraud and bad business of Capital one

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Milliman, Inc.
State: TX

Complaint narrative:
There is no way to request your Milliman Intelliscript prescription drug history report. 

The " Request My Report '' button on their website does not work. This happens a lot on many of these data broker site. 

Surprise, surprise- they surely don't want anyone getting the info they store on individual prescription use. This is a HIPPA violation. They store info on drugs and then you can infer what condition has.

I want my Milliman Intelliscript report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I have sent ongoing letters to XXXX, XXXX XXXX Letters and some recent letters to XXXX requesting information and this is my second complaint against them. 

To remove the negative inaccurate address and late payments, I want the account to stay there because the loan is paid off and that will have a positive impact on my credit report, but sense my XXXX loan is paid off and I no longer live at the address and the address they used was incorrect at XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the account is paid off, the negative reporting should be removed. 

The Credit bureaus have incorrect information because of XXXX. And because of XXXX I am left to fight with Experian, XXXX  to dispute this. I'm not writing anymore letters or making any more complaints, my next step is filing a lawsuit and seek monetary damages for this if they refuse to remove the negative reporting to my credit and to the credit bureaus. 

Request Specifically and respectfully because this is dragging down my credit report. 
The address they used was inaccurate and that the account is now paid off, so the negative reporting should be removed. This is a complaint that I have requested XXXX to remove the negative reporting, and they refuse indicating that the account is accurate, when it's not accurate, because the address they used at XXXX XXXX XXXX XXXX XXXX XXXXXXXX was inaccurate. I have not lived at that address sense XXXX to XXXX, and they should have had my address which at that time my account was in forbearance between XXXX and XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which I had lived from XX/XX/XXXX until XXXX. The XXXX XXXX XXXX. was my current address long standing address, and I feel like XXXX sent letters to the older address to forbid me from receiving mail to address my loan issues. XXXX sabotaged 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 explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Collections Inc
State: NM

Complaint narrative:
In XX/XX/2024, I met with XXXX XXXX XXXX about installing solar panels. I later decided not to move forward and canceled the project before any work began. No installation, materials, or permits were submitted. 

After canceling, XXXX XXXX XXXX billed me {$2100.00} as a cancellation fee, claiming it was owed because a CAD design was completed. Their own contract says a 10 % fee only applies after the CAD is submitted for permitting. Since that never occurred, I do not owe this amount. 

Despite this, they referred the account to Asset Collections , Inc., who is now attempting to collect it. I requested proof that the XXXX  was submitted and an itemized breakdown, but they have not provided it. I believe this is an unfair and invalid attempt to collect a debt that is not owed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: NY

Complaint narrative:
I recently discovered that my credit report has incorrect personal information, and because of this, an account that does not belong to me is showing up. I am a victim of identity theft, and my personal details were used without my permission. As a result, there is an account listed on my credit report that I have never been connected to. 

As instructed by Equifax, I filed an FTC identity theft report and submitted it, but despite doing so, this fraudulent account is still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT 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 2025-11-13 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: OH

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which is a violation of FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX  ] [ XX/XX/year> ] [ XXXX XXXX ] [ XX/XX/year> ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
I am filling a complaint regarding my mortgage payments with XXXX XXXX and Wells Fargo. For months, I have been making regular Mortgage payments of approximately XXXX. These payments were being taking directly from my XXXX XXXX XXXX account. I have provided the bank statements showing every payment that was withdrawn. Despite this, XXXX is claiming that I am behind and that I owe XXXX. I have sent over bank statements to them that I was paying them and that wells fargo was taking payments out of my account. I have not heard anything from them. Or any status if they are taking care of the matter. Its extremely stressful, and i feel like I am not being heard. I am asking CFPB to help locate where these payments went, Confirm the Mortgage account that these payments were applied to, and correct the account balance. We are also in the process of the selling the house, so this issue needs to be resolved urgently.

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 2025-11-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-11-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am disputing the following accounts : XXXX XXXX , Account # XXXX, Date Opened XX/XX/XXXX The balance is reporting inaccurately, and the account may be reported as charged-off in error. I request validation of all reporting data and removal if unverifiable or inaccurate. 

XXXX. Inquiries I am disputing the following inquiry : XXXX ( XXXX ) dated XX/XX/XXXX I do not recall authorizing this inquiry. Please provide verification of permissible purpose under FCRA 604. If it can not be verified, please delete it. 

XXXX. Late Payments I am disputing the following account : XXXX XXXX, Account # XXXX Please verify the accuracy and provide documentation showing the date and amount of any late payment. If no documentation is available, please remove the late payment reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation