vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
I am formally demanding the immediate deletion of the following inaccurate and unauthorized address from my credit report XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Navy Federal Credit Union ( NFCU ) continues to furnish false and materially misleading credit information regarding a credit card account ending in XXXX XXXX XXXX despite actual notice through multiple disputes since XX/XX/XXXX. 

On XX/XX/XXXX, NFCU granted a hardship extension that retroactively resolved delinquencies for XXXX through XX/XX/XXXX, pushing the next due date to XX/XX/XXXX. Despite this, NFCU reported the account as XXXX days late for XX/XX/XXXX and continued verifying this information through the CRAs for over XXXX months. XXXX itself flagged the account as incorrect at least twice, including on XX/XX/XXXX, but did not remove it. 

This reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and correct or delete inaccurate information. Under controlling XXXX XXXX precedent, including XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), information that is misleading to the extent it could be expected to adversely affect the consumer is considered inaccurate. NFCUs reporting is both facially inaccurate and misleading, as it omits the existence of the retroactive payment agreement. 

As a result, I remain homeless and living in my car and have lost access to job prospects that require stable credit. NFCU 's continued verification of the false data, even after XXXX flagging and legal notice, constitutes willful noncompliance with the FCRA and has materially contributed to prolonged housing instability, economic loss, and emotional harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-22 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: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-05-22 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: IL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: PA

Complaint narrative:
I have repeatedly received calls from the United Collections Bureau ( UCB ). I have stated multiple times that I am not financially capable of paying back these debts at this time. I answered a call from them on Tuesday XX/XX/year>. I was driving at the time and was not familiar with the area I was in. I told this to the representative MULTIPLE times and asked if she could please call me back. She insisted that I pull over my car or she will have to put down in the notes that I did a refusal to pay. I told her multiple times that I can not just pull over my car right now to talk to her and she kept insisting that I pull over and pay a part of my debt today. I felt extremely overwhelmed in this situation. I was being pressured by being given an ultimatum to either pull over my car or theyll report to the bank that I refuse to pay my debts. 

I am financially barely keeping my head above water, and it would be fiscally irresponsible for me to take on repayment right now. I have XXXX  more school year left until I complete my degree, and I can not afford to pay tuition for the XXXX school year and pay this debt at the same time. So as I stated, it would be irresponsible for me to start repayment now, knowing that if I do, I will not be able to continue my education and receive my XXXX XXXX next 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
Consumer complaint received 2025-05-22 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: WA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNKNOWN # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2025-05-22 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: TX

Complaint narrative:
Experian previously deleted XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, all between the dates of XX/XX/XXXX, XXXX XXXX, XXXX. As well as XXXX XXXX XXXXXXXX. All these accounts have been reentered as XX/XX/XXXX. XXXX XXXX was sent to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
Additionally, Transunion and Equifax either deleted and resubmitted or didn't delete, but updated and never sending the verification documents or validation documents I previously requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian previously deleted XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, all between the dates of XX/XX/XXXX, XXXX XXXX, XXXX. As well as XXXX XXXX XXXXXXXX. All these accounts have been reentered as XX/XX/XXXX. XXXX XXXX was sent to XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. 
Additionally, Transunion and Equifax either deleted and resubmitted or didn't delete, but updated and never sending the verification documents or validation documents I previously requested.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I recently send a complaint about a fraudulent account open under my name1. XXXXXXXX XXXX XXXX XXXXXXXX. This account was not removed and I would like you to reopen and send me proof of the measurement taken to state his account is legitimate. Please send the steps taken to proof this is mine. Otherwise remove immediately as it is hurting my consumer report for an account im not liable for.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc.
State: AR

Complaint narrative:
Credit Bureau Data is the creditor on the debt Im disputing. The creditor is attempting to collect XXXX XXXX The date it was last reported on my credit XX/XX/year>. I have requested information from this unknown company and this unknown debt. 

As of 15 USC 1692 G 1 ) I need a Full detailed list of payment history on this account.

2 ) I Want to see the original wet signature i agreed to on the contract for this creditor.

3 ) Has there been any insurance claims on this debt?

4 ) I want the chain of title/ custody that you have to collect on this debt.

If you can not provide all of these documents, then it needs to be removed and deleted from my report. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/2025 I deposited a cashiers check in the amount of {$14000.00} into my Navy Federal savings account at the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NV XXXX, Before depositing, I asked the teller specifically whether the funds would be available the next day. I informed him that this was the all the money I have to my name so If they are going to hold it longer than XXXX hours I am willing to go back to XXXX XXXX XXXX where the cashiers check is from and get cash. The teller assured me that the hold would only be XXXX hours. Based on that assurance, I deposited the check. However, I have now been informed that the check is subject to a five-day hold, which has caused significant financial hardship, that includes electricity at the new home. I have XXXX young children and It has been extremely hard. I dont even have access to any funds for basic necessities. I have placed XXXX separate calls to explain my hardship due to their tellers false information with a response of nothing they can do, and I even have gone back to the branch where I deposited the cashiers check to speak with the same teller and got the same disappointing response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THEXX/XX/XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX -- {$1800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$230.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2025-05-22 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
I was trying to open an account and while opening the account I asked it I could set my credit limit. The lady told me hold on and then came back and said great you were approved for XXXX. I asked her why she did that and she stated I would have to wait XXXX days to lower my limit. 

I have been going back and forth with american express for months case numbers XXXX XXXX I am requesting the XXXX fee for the credit card to be waived/returned I would also like the recording and case notes from both cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) continues to furnish false and materially misleading credit information regarding a credit card account ending in XXXX XXXX XXXXXXXX, despite actual notice through multiple disputes since XX/XX/XXXX. 

On XX/XX/XXXX, XXXX granted a hardship extension that retroactively resolved delinquencies for XXXX through XX/XX/XXXX, pushing the next due date to XX/XX/XXXX. Despite this, XXXX reported the account as XXXX days late for XX/XX/XXXX and continued verifying this information through the XXXX for over XXXX months. Experian itself flagged the account as incorrect at least twice, including on XX/XX/XXXX, but did not remove it. 

This reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and correct or delete inaccurate information. Under controlling XXXX XXXX precedent, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), information that is misleading to the extent it could be expected to adversely affect the consumer is considered inaccurate. XXXX reporting is both facially inaccurate and misleading, as it omits the existence of the retroactive payment agreement. 

As a result, I remain homeless and living in my car and have lost access to job prospects that require stable credit. XXXX 's continued verification of the false data, even after XXXX flagging and legal notice, constitutes willful noncompliance with the FCRA and has materially contributed to prolonged housing instability, economic loss, and emotional harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) continues to furnish false and materially misleading credit information regarding a credit card account ending in XXXX XXXX XXXXXXXX, despite actual notice through multiple disputes since XX/XX/XXXX. 

On XX/XX/XXXX, XXXX granted a hardship extension that retroactively resolved delinquencies for XXXX through XX/XX/XXXX, pushing the next due date to XX/XX/XXXX. Despite this, XXXX reported the account as XXXX days late for XX/XX/XXXX and continued verifying this information through the XXXX for over XXXX months. Experian itself flagged the account as incorrect at least twice, including on XX/XX/XXXX, but did not remove it. 

This reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and correct or delete inaccurate information. Under controlling XXXX XXXX precedent, including XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), information that is misleading to the extent it could be expected to adversely affect the consumer is considered inaccurate. NFCUs reporting is both facially inaccurate and misleading, as it omits the existence of the retroactive payment agreement. 

As a result, I remain homeless and living in my car and have lost access to job prospects that require stable credit. XXXX 's continued verification of the false data, even after CRA flagging and legal notice, constitutes willful noncompliance with the FCRA and has materially contributed to prolonged housing instability, economic loss, and emotional harm.

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 2025-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) continues to furnish false and materially misleading credit information regarding a credit card account ending in XXXX XXXX XXXX despite actual notice through multiple disputes since XX/XX/XXXX. 

On XX/XX/XXXX, XXXX granted a hardship extension that retroactively resolved delinquencies for XXXX through XX/XX/XXXX, pushing the next due date to XX/XX/XXXX. Despite this, XXXX reported the account as XXXX days late for XX/XX/XXXX and continued verifying this information through the XXXX for over XXXX months. Experian itself flagged the account as incorrect at least twice, including on XX/XX/XXXX, but did not remove it. 

This reporting violates 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and correct or delete inaccurate information. Under controlling XXXX XXXX precedent, including XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), information that is misleading to the extent it could be expected to adversely affect the consumer is considered inaccurate. NFCUs reporting is both facially inaccurate and misleading, as it omits the existence of the retroactive payment agreement. 

As a result, I remain homeless and living in my car and have lost access to job prospects that require stable credit. XXXX XXXX continued verification of the false data, even after XXXX flagging and legal notice, constitutes willful noncompliance with the FCRA and has materially contributed to prolonged housing instability, economic loss, and emotional harm.

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