vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute 3 Account Number : XXXX Account Name : XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XXXX XXXX, XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX  and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX  and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Dispute XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the XXXX XXXX XXXX XXXX and I dont recognize one or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 

Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit Bureaus Reporting Inaccurate Personal Information ( FCRA Violations ) I am filing this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of my personal identifying information. The credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX However, the credit bureaus continue to report other obsolete and inaccurate addresses that are not associated with me. This creates confusion, lowers the accuracy of my consumer file, and provides creditors with false identifying information. 


the credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, the credit bureaus continue to report other obsolete and inaccurate addresses that are not associated with me. This creates confusion, lowers the accuracy of my consumer file, and provides creditors with false identifying information. 



This conduct is in direct violation of : FCRA 602 ( A ) Accuracy in consumer reporting.

FCRA 607 ( b ) Consumer reporting agencies must maintain maximum possible accuracy.

FCRA 611 Duty to reinvestigate disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit Bureaus Reporting Inaccurate Personal Information ( FCRA Violations ) I am filing this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act ( FCRA ) regarding the reporting of my personal identifying information. The credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  XXXX the credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX However, the credit bureaus continue to report other obsolete and inaccurate addresses that are not associated with me. This creates confusion, lowers the accuracy of my consumer file, and provides creditors with false identifying information. 


the credit reporting agencies have failed to correct and update my personal address information. The only valid and current address that should be reflected on my consumer file is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX However, the credit bureaus continue to report other obsolete and inaccurate addresses that are not associated with me. This creates confusion, lowers the accuracy of my consumer file, and provides creditors with false identifying information. 



This conduct is in direct violation of : FCRA 602 ( A ) Accuracy in consumer reporting.

FCRA 607 ( b ) Consumer reporting agencies must maintain maximum possible accuracy.

FCRA 611 Duty to reinvestigate disputed information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
I am writing to formally dispute inaccurate and conflicting information reported on my credit report regarding my account. Upon recent review of my credit reports during my home loan application process, I was shocked to find that late payments were reported. f, which I strongly dispute. I have never missed or been late on a payment for this account. Furthermore, the tradeline contains conflicting information : The Account Rating states Paid As Agreed, The Payment History shows a XXXX late, The XX/XX/year> Day Late section only reflects a XXXX late not a XXXX. These inconsistencies are clear indicators of reporting errors and are severely impacting my credit scores. As a result, my ability to qualify for a mortgage is now in jeopardy. Attached is a copy of my credit report with the discrepancies. Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete and accurate. The current reporting fails to meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV Funding LLC, through its servicer Resurgent Capital Services, is attempting to collect on an alleged debt that is * * well past the statute of limitations in XXXX  XXXX  XXXX * *. Despite repeated disputes and a prior CFPB complaint, LVNV has failed to provide * * legally sufficient validation * * of the alleged account and continues to misrepresent the enforceability of this time-barred debt. 


XXXX. * * Time-Barred Debt under XXXX  XXXX * * * The alleged account is past the * * XXXX statute of limitations for written contracts under CPLR 213 * * XXXX 
* XXXX has not disclosed that this debt is time-barred, which is required under * * CFPB Regulation F, 12 C.F.R. 1006.26 ( b ) * *. 

XXXX. * * Insufficient Validation * * * LVNVs validation consisted of generic account data, not original signed agreements or an unbroken chain of assignment. 
* This fails to meet the requirements of * * FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) * *. 

XXXX. * * Failure to Cease Collection Pending Validation * * * Upon my written dispute, LVNV was obligated to cease all collection activity until proper validation was provided. They did not comply, violating FDCPA 809 ( b ). 

4. * * Credit Reporting Violations * * * If LVNV or Resurgent are reporting this account to any credit bureau, they are in violation of * * FCRA 623 ( a ) ( 1 ) ( A ) * * and 623 ( b ). 
* Continued reporting of unvalidated, time-barred debt is inaccurate and unlawful. 

5. * * Misrepresentation of Legal Rights * * * Attempting to enforce or imply enforceability of a time-barred debt is a violation of * * FDCPA 807 ( 2 ) ( A ), 807 ( 10 ) * *, and deceptive under * * FTC XXXX XXXX XXXX XXXX XXXX ( XXXX  ) * *. 



If LVNV fails to comply, I will pursue * * civil remedies * * under FDCPA 813 ( 15 U.S.C. 1692k ) and FCRA 616617 ( 15 U.S.C. 1681n, 1681o ).

* LVNVs most recent response ( from Resurgent ). 
* Your prior CFPB complaint response file. 
* Any letters showing repeated disputes and lack of proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have tried multiple times to enroll with Navy Federal Credit Union and have been told to file an appeal multiple times for at least 2 years. They keep telling me that they either can not verify my information. I've sent my information to them multiple times. I meet all the requirements and i am not in any XXXX XXXX. I was told in my last complaint that this issue was resolved and I can now open an account with no problem. I applied again today over the phone, uploaded my information that they needed and I was still denied and was advised to file an appeal. I would like to speak to a Manager to finally get this resolved already

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
THESE COMPANIES RAN MY CREDIT WITHOUT MY CONSENT. I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
deposited a check into my account that I received in good faith as payment. The check was later returned after the issuer reported it as fraudulent. I had no knowledge of this dispute and did not engage in fraud. Despite this, my bank : 1. Closed my account without providing adequate explanation or opportunity to resolve the matter. 
2. Withheld my remaining funds, which are my rightful property, without providing a clear timeline for release. 
3. Potentially reported me to XXXX  or similar databases with a fraud designation, which could severely impact my ability to open future accounts. 


I respectfully request that the CFPB review this matter and hold the bank accountable for mishandling my account and funds. 

Thank you for your time and assistance.

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 monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear Sir/Madam, I am writing to formally express my serious concern and file a complaint against Bank of America regarding the wrongful hold of {$200000.00} in my account due to an alleged suspicion of fraud. 

After receiving your notification, I provided all evidence clearly demonstrating the legitimacy and lawful origin of the funds. Despite this, the bank continues to maintain the restriction on my funds, causing me significant financial, emotional, and professional harm. 

I would like to emphasize that this conduct violates fundamental principles of consumer relations, such as good faith, transparency, and reasonableness, and constitutes arbitrary withholding of property without proper legal basis. 

Therefore, I demand : Immediate release of the held funds, as there is no valid justification for maintaining the hold ; A formal and detailed explanation, in writing, of the specific reasons for the hold, considering that all evidence refuting any fraud claim has already been submitted ; Compensation for any financial and moral damages caused by the unjust restriction of access to my own resources. 

If a prompt and adequate solution is not provided, I will take all appropriate actions with U.S. regulatory authorities, including the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ), as well as pursuing relevant legal remedies. 

I look forward to your immediate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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