vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-07 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


Unknown - XXXX US DEPT ED - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX US DEPT ED - XXXX XXXX  - XXXX INQUIRIES : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union ( NFCU ) for mishandling a debit card dispute involving a {$250.00} refundable vehicle rental deposit. 

On XX/XX/XXXX, I paid a {$250.00} refundable deposit to a rental company at XXXX XXXX XXXX, along with a {$190.00} rental fee for a XXXX XXXX XXXX  ( Reservation Confirmation XXXX XXXX XXXXXXXX ). The vehicle was rented from XX/XX/XXXX, to XX/XX/XXXX, and was returned on time and in good condition. The XXXX XXXX ( XXXX ) and booking confirmation clearly show that the rental was completed properly and that the refundable deposit should have been returned. 

Despite meeting all terms, the {$250.00} deposit was never refunded. After multiple unsuccessful attempts to contact the rental company directly, I filed a dispute with Navy Federal Credit Union on XX/XX/XXXX ( Dispute Confirmation XXXX XXXX XXXXXXXX ). 

Navy Federal initially acknowledged receipt of my documentation and confirmed it would be added to my dispute file. However, the claim was later denied due to no evidence submitted, even though there was never a message portal or upload option available for me to provide the supporting documents at the time of filing. I later provided the same documentation via secure message.

When I requested a second review, Navy Federal again denied the claim, citing a lapsed timeframe, even though my dispute was submitted promptly after realizing the refund was missing. 

I made numerous calls to Navy Federal regarding this issue. During prior calls, I was advised to submit my concerns only through secure messages. Those messages received no follow-up or urgency. On my final call, I was instructed to resubmit my message and was told that the team would handle it that same day, but no further communication or action occurred.

This pattern of poor communication, lack of procedural access to submit evidence, and improper denial constitutes a failure to comply with Regulation E under the Electronic Fund Transfer Act ( EFTA ). Regulation E requires financial institutions to conduct timely, good-faith investigations of debit card disputes and provide fair resolution which did not occur in this case. 
Supporting Documentation ( available upon request ) : - Correspondence with Navy Federal dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- XXXX XXXX XXXX showing the return and final balance. 
- Booking confirmation from XXXX XXXX XXXX Travel showing rental terms and refundable deposit. 
-Proof of my multiple call attempts and messages with Navy Federal . 
-Original dispute confirmation number : # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I am disputing the following items on my Equifax credit report as they are inaccurate and do not reflect the correct status of my credit history. Please verify the information and provide documentation for each disputed account and inquiry. 

Charged Off Accounts No Disputes Found for XXXX Upon reviewing my credit report with Equifax, I did not find any charged-off accounts in dispute. 

XXXX XXXX, XX/XX/year> I do not recognize this inquiry. Please provide evidence of authorization for this credit inquiry, as I did not give my consent. 

XXXX, XX/XX/year> I dispute this inquiry, as it was not initiated by me. Kindly verify whether this was properly authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-11-07 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXXXXXX -- Balance : {$6400.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX -- Balance : {$4500.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX  -- Balance : {$7600.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX  -- Balance : {$5600.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX -- Balance : {$11000.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX -- Balance : {$2400.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXXXXXX -- Balance : {$3900.00} - Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/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 2025-11-07 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: TX

Complaint narrative:
Experian is reporting inaccurate information related to a bankruptcy and business account that do not belong to me. I disputed both items, but Experian verified them without providing any direct source verification from the U.S. Bankruptcy Court or the creditor. I am asking for experian to prove this but yet fail to provide my request

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 2025-11-07 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax for providing a materially false investigation conclusion and for failing to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ).

Chronology and Key Facts : 1. Original Creditor and Multiple Inaccuracies : My debt originated as an Unsecured Personal Loan with XXXX XXXX ( XXXX ). It is inaccurately reported by XXXX XXXX XXXXXXXX, which is a mortgage entity, creating a fundamental inaccuracy regarding the product type. 
Account Number Inconsistency : The original loan ended in XXXX, which Equifax referenced in the dispute letter. However, the current Equifax report lists the XXXX account number as XXXX XXXX. This contradiction proves an utter failure to verify the basic account data. 
XXXX. Irregular and Superficial Investigation : I submitted my dispute on XX/XX/year>. Equifax closed the investigation on XX/XX/year> ( just 2 days ). This unreasonable speed proves Equifax failed to conduct a " reasonable investigation. '' XXXX. Documented Falsity by Equifax : Equifaxs written response ( dated XX/XX/year> ) concluded : " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. ". This statement is demonstrably false because my current Equifax credit report ( dated XX/XX/year> ) clearly shows the Shellpoint entry IS STILL REPORTING as " CHARGE_OFF ''.

Violation and Desired Resolution : Equifax violated the FCRA by providing a materially false investigation conclusion. I request the CFPB to order Equifax to immediately and completely delete this Shellpoint Mortgage Servicing entry ( Account XXXX ) from my credit report due to the falsity of the investigation and the multiple, provable errors in the reported data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: FL

Complaint narrative:
Hello, I paid off my loan I owe and I was unaware my interest was so high! I then called the company and was told to log in to see my interest. Why not tell me over the phone and while I was taking out the loan that my interest will be so high?! I paid what I owe and this company actually login to my bank account to add themselves back to my third party list for with withdrawal. I immediately want this company removed. When i remove them from my bank, they tried to take small amount of my money to see if it processes. When they realized my bank card was lock and while they were removed they added themselves back to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Ensure disputed accounts are handled per legal removal timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
ChexSystems and XXXX XXXX XXXXXXXX are reporting and sharing my personal consumer information without my knowledge or consent. I did not authorize the release, sale, or distribution of my private banking data. I also never received documentation verifying the accuracy or permissible purpose of this record. 

I requested proof and supporting records from both companies but was not provided with any documentation showing that I consented to data sharing or that the reported information was accurate. 

This violates the Fair Credit Reporting Act ( FCRA 604, 611, 623 ) and the Gramm-Leach-Bliley Act, which restrict the use and distribution of consumer information without consent or a legitimate purpose. 

This inaccurate and unauthorized record is preventing me from opening a checking or savings account and is causing significant financial hardship. I am requesting a full investigation and deletion of all disputed and unauthorized information from my ChexSystems 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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX, opened new bank account with BMO in XXXX IL. deposited Paycheck via mobile app XX/XX/year> went into the bank to see why the funds where not depositing. They stated there is an extended hold on the funds until the XXXX. of 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I tried to submit a dispute regarding my XXXX XXXX credit card via online and by phone. I was prevented from submitting an online dispute which stated that for security reasons I must call Experian at the phone number XXXX. I encountered an automated phone system that kept asking me what I needed, however, after I said dispute, then petal XXXX card, the system directed me to go online to conduct the dispute. Due to the ongoing error message directing me to call Experian, Experian is causing me to be stuck in a never-ending loop, preventing me from submitting a dispute. I then called a different customer service phone number XXXX and was also prompted to speak to tell them what I want. At that time, I said many different things, including, dispute, complaint, techinical help, etc. They said they " ... could not help me with that '' and disconnected the call. I am unable to submit a dispute with them at all. Also, I had previously submitted a dispute through CFPB. Experian competed on correction but is leaving out XXXX years of good payment history XXXX and XXXX with them. It also says on the report that file was last updated on XX/XX/XXXX, however, this is false information. They are also saying that my last payment was XX/XX/XXXX. I want the documentation that Experian received from the credit furnisher. Experian continues to be untruthful and is blocking me from being able to dispute my 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 2025-11-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


US DEPT ED - XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX US DEPT ED - XXXX XXXX XXXX XXXX - XXXX INQUIRIES : XXXX 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 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 XXXXXX/XX/year>

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