vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: AL

Complaint narrative:
This complaint demands immediate attention. My credit report contains inaccurate information that fails to meet the required standard of maximum possible accuracy and is causing serious, ongoing harm to my life. I demand a full and immediate investigation into these errors and that each inaccuracy be corrected or removed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent in a payment of {$25000.00}. 
to pay off my auto loan on XX/XX/XXXX by priority mail, but I sent it to the mailing address for credit card payments in XXXX NC by mistake. It was delivered there on XX/XX/XXXX. It has still not been credited to my account. A check for {$25000.00} with my auto account number on it would seem would be unusual and be addressed by someone. I have called in several times to see if the check has been found and is working it's way to pay off my account, but no one seems to be willing to make the effort necessary to find out what happened to the check and give me any idea when it might be credited to my account. An " escalation '' manager tried to get the office of the President on the line, but " they were too busy '' to take my call. I need help resolving this issue. Thank you in advance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ 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 explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
I am filing this report concerning incorrect information on my credit profile. Equifax acknowledged a system error that compromised my personal data, resulting in its misuse. Ive been denied credit due to this issue, and I request it be corrected within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: OH

Complaint narrative:
RENTRECOVERYSOLUTIONS is falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-13 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: RI

Complaint narrative:
I am filing this complaint because Equifax continues to report inaccurate and unverifiable information on my credit file. I have already disputed these items under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), but they have not been corrected or verified. 

Specifically, several accounts are being reported incorrectly : XXXX is inaccurately reported as a collection. 
XXXX XXXX and XXXX XXXX are reported as charge-offs that do not belong to me. 
XXXXXXXX XXXX is reported as charged-off even though it is not my account. 
XXXX XXXX XXXX  ( Account XXXX XXXXXXXX ) is reported with late payments even though I was never late and the account was paid and closed in XX/XX/year>. This is a violation of 15 U.S.C. 1666b, which requires accurate crediting of payments. 
XXXXXXXX XXXX XXXX is also showing late payments that never occurred. 

Under 15 U.S.C. 1681e ( b ), Equifax must ensure maximum possible accuracy, and under 1681i ( a ) ( 5 ), unverifiable information must be deleted. I am requesting a full reinvestigation and deletion or correction of these inaccurate items. 
I have attached my government-issued ID, Social Security card , and proof of address to verify my identity and support my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: VA

Complaint narrative:
Inaccurate accounts are reporting to 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 2025-10-13 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: VA

Complaint narrative:
Inaccurate accounts are reporting to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received whatsapp message from my friend to transfer {$500.00} to another person as is urgent, as we were doing this before paying tickets for events, I transferred that money on XXXX. On XX/XX/XXXX at XXXX I got a message from my friend that her whatsapp was hacked and it was a scam. I called my Bank and explained what happend and also I sent request to the XXXX  contact name and phone to send me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MO

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-13 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: AZ

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 2025-10-13 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: FL

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 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
For the past few months I have been receiving emails that I am past due on my student loan account with mohela despite my account showing a balance due of XXXX. I have called the company to correct this XXXX times and have spoken to multiple representatives and a manager. It was confirmed that there was an administrative error that would be corrected and my account was current. I was assured my account would not be reported as past due to the credit bureau. Today XX/XX/year> my account was reported past due for the second time and my credit dropped XXXX points due to their negligence and false account information.

Company response to consumer: In progress
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away.

Additionally, under the Gramm-Leach-Bliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information.

No permissible purpose, as shown in 15 USC 1681b ( 2 ), has been established for Experian to maintain a credit report on my behalf.

Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information.

The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under the Fair Credit Reporting Act ( FCRA ) specifically 15 USC 1681i, you are required to show me the procedures you used to verify this information on my credit report. If you can not verify the accuracy, the information must be deleted from my credit report as soon as possible.

The following unauthorized items need to be deleted from my file immediately 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from 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 explanation
Consumer complaint received 2025-10-13 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/year> - Went into a XXXX 's in XXXX VA to return XXXX XXXX XXXX  that was gifted to my wife by my mother as a wedding gift. We returned with a gift receipt and were given return store credit in the form of XXXX gift cards. XXXX gift cards are valued at {$1000.00} XXXX and XXXX gift card is valued at {$120.00} XXXX 

XX/XX/year> - Attempted to use the gift card online at XXXX website but the gift cards were stated to be invalid XX/XX/year> - Early XXXX - Contacted XXXX 's Customer Support on XXXX separate occasions where they all stated that there is a security hold on all of my gift cards and that they will create a claim with the gift card department. On XXXX occasion they never started the claim and on XXXX occasions the claim was denied with no reason. I have also asked support why there is a security hold, and they did not give a reason saying that can not see. 
- Went into the XXXX 's store where I was issued the gift card, but all of the employees did not know how to handle this situation and redirected me back to calling customer support. 

XX/XX/year> - Submitted a complaint with the XXXX XXXX XXXX which redirected me back to customer support.

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 2025-10-13 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: GA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment XXXX XXXX  Account XXXX I dispute a false late payment reported by XXXX for XX/XX/year> and subsequent months. My FHA mortgage was in an unemployment forbearance that ended XX/XX/year>, and XXXX acknowledged my loan-modification review XX/XX/year>, which is still pending. Servicers may not furnish adverse credit data while a borrower is performing under a forbearance or while a complete loss-mitigation application is under review. 

Please investigate this dispute and remove the inaccurate late-payment entry.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
In the past week Navy Federal robbed me, an XXXX XXXX XXXX enlisted XXXX  XXXX  member of {$2100.00} during the government shutdown. 
I tried to pay my XXXX credit card bill with my Navy federal checking account through XXXX credit card app on my smartphone. XXXX says my Navy Federal debit card has declined and XXXX never recieved any funds towards my credit card payments. Navy Federal admits the funds were taken from my account but can not account to where they went or are currently. They stole from me. The money is gone. When I called the Navy Federal customer service number I talked with 6 or 7 different people and none of them knew how to locate my funds or had propper training in resolutions. 
I am very angry that I can't trust my bank to ensure my financial safety. 
On XX/XX/year> {$300.00} was withdrawn at XXXX XXXX  time ( I am overseas stationed on XXXX XXXX these funds were stollen from me. 
On XX/XX/year> {$1800.00} was withdrawn at XXXX XXXX  these funds were also stollen an unaccounted for. 
The Navy Federal bank lost/stole {$2100.00} from me. 
I called Navy Federal on XX/XX/year> and the lady said it would take XXXX for tge funds to appear back into my account. The funds were never refunded. 
On XX/XX/year> I filed a dispute with XXXX and Transunion through XXXX XXXX because I did pay the credit card bill but my money was stollen from the vank in the process. I do not want Navy Federal to ruin my credit score by stealling my from me evey time I try and make a credit card payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation