vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 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 a 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 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 2025-07-31 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

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 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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-31 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: PR

Complaint narrative:
While reviewing my credit report, I noticed several accounts reporting negative information that I do not recognize or recall ever authorizing. Some of these accounts show high balancessuch as one listed at over XXXX XXXXXXXXand are marked as charge-offs or derogatory without any prior notification, billing statements, or documentation being sent to me. These entries appeared without any explanation, and I was never contacted by the creditor or given the opportunity to validate or dispute the debts at the time they were reported. Despite my previous attempts to dispute them, no supporting documents or proper validation have been provided to justify their continued presence on my report. I am now formally requesting that these accounts be reinvestigated and removed if the companies involved can not furnish clear, accurate, and verifiable documentation proving their legitimacy.

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 2025-07-31 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION 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. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 a 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 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 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I am a XXXX veteran and the borrower on an auto loan originally arranged through XXXX ( now dissolved ) and currently serviced by XXXX XXXX XXXX. In XX/XX/scrub> 2025, my vehicle was stolen in Georgia. XXXX opened a total loss claim after it was missing for over 30 days, but XXXX XXXX XXXX delayed the process by failing to send the title. The car was later recovered with mold/water damage, and I was unable to take possession of it due to my location in Kansas and current hardship status. It is still in a repair facility under an open claim.

Despite this, XXXX falsely reported a payment that I never made and continued to contact me after I issued a cease and desist during a heated phone call. They also emailed me on XX/XX/XXXX stating the account had been charged off, then falsely stated on XX/XX/XXXX that I made a payment. This contradiction is misleading and raises serious FCRA and FDCPA concerns. 

I also submitted documentation in XXXX 2025 proving that my original buyer summary from XXXX included XXXX insurance, yet the final contract silently removed it without adjusting the monthly payment. XXXX XXXX XXXX never responded. My credit has been significantly damaged due to their false reporting during a period of financial hardship and insurance review. I request immediate correction of the record, cessation of communication, and appropriate regulatory 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 2025-07-31 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: KS

Complaint narrative:
I am a XXXX veteran and the borrower on an auto loan originally arranged through XXXX ( now dissolved ) and currently serviced by XXXX XXXX XXXX. In XX/XX/year>2025, my vehicle was stolen in Georgia. XXXX opened a total loss claim after it was missing for over 30 days, but XXXX XXXX XXXX delayed the process by failing to send the title. The car was later recovered with mold/water damage, and I was unable to take possession of it due to my location in Kansas and current hardship status. It is still in a repair facility under an open claim. 

Despite this, XXXX falsely reported a payment that I never made and continued to contact me after I issued a cease and desist during a heated phone call. They also emailed me on XX/XX/XXXX stating the account had been charged off, then falsely stated on XX/XX/XXXX that I made a payment. This contradiction is misleading and raises serious FCRA and FDCPA concerns. 

I also submitted documentation in XXXX 2025 proving that my original buyer summary from XXXX included XXXX insurance, yet the final contract silently removed it without adjusting the monthly payment. XXXX XXXX XXXX never responded. My credit has been significantly damaged due to their false reporting during a period of financial hardship and insurance review. I request immediate correction of the record, cessation of communication, and appropriate regulatory 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 2025-07-31 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: KS

Complaint narrative:
I am a XXXX veteran and the borrower on an auto loan originally arranged through XXXX ( now dissolved ) and currently serviced by XXXX XXXX XXXX. In XX/XX/year>2025, my vehicle was stolen in Georgia. XXXX opened a total loss claim after it was missing for over 30 days, but XXXX XXXX XXXX delayed the process by failing to send the title. The car was later recovered with mold/water damage, and I was unable to take possession of it due to my location in Kansas and current hardship status. It is still in a repair facility under an open claim. 

Despite this, XXXX falsely reported a payment that I never made and continued to contact me after I issued a cease and desist during a heated phone call. They also emailed me on XX/XX/XXXX stating the account had been charged off, then falsely stated on XX/XX/XXXX that I made a payment. This contradiction is misleading and raises serious FCRA and FDCPA concerns. 

I also submitted documentation in XXXX 2025 proving that my original buyer summary from XXXX included XXXX insurance, yet the final contract silently removed it without adjusting the monthly payment. XXXX XXXX XXXX never responded. My credit has been significantly damaged due to their false reporting during a period of financial hardship and insurance review. I request immediate correction of the record, cessation of communication, and appropriate regulatory action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: LA

Complaint narrative:
On XX/XX/year>, I submitted a {$2500.00} debit card payment through Navy Federal Credit Union to XXXX XXXX XXXX, the vendor responsible for processing applications for the 2025 XXXXXXXX XXXX XXXX XXXX. 

On XX/XX/year>, I formally withdrew from the certification process and submitted a written refund request to XXXX XXXX XXXX. The reason was a personal trauma that made me unable to proceed physically, financially, or professionally with the required seminar or examination. At the time of withdrawal : I had not been approved to attend the seminar I had not received any credentials, study materials, or scheduling access I had not taken any exam I had not been granted certification I had not received any personalized or credentialed services tied to my payment I followed up on XX/XX/XXXX and again on XX/XX/XXXX. On all three occasions, I cited the XXXX Regulations Governing Contract Advisors, which confirm certification is not granted nor are services considered fulfilled until a candidate completes the seminar, passes the exam, and secures liability insurance. None of these conditions were met.

The vendor never responded to my refund request. 

On XX/XX/year>, I filed a dispute with Navy Federal Credit Union on the basis of non-receipt of services. A provisional credit of {$2500.00} was issued. However, on XX/XX/year>, Navy Federal informed me that the credit would be reversed on XX/XX/XXXX because the vendor labeled the fee non-refundable.

No refund policy was disclosed at the time of payment, nor did I sign any agreement acknowledging that the payment was non-refundable. Since no services were provided, this qualifies as an incomplete transaction. My refund request was made in good faith and with legal reference, yet both the vendor and Navy Federal failed to honor it.

I am requesting assistance from the CFPB in : Reinstating the {$2500.00} provisional credit Classifying this charge properly as a pre-service withdrawal Reviewing Navy Federals dispute reversal Holding the vendor accountable for failing to respond after three formal refund requests All documentation including emails, refund requests, and dispute correspondence is available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PR

Complaint narrative:
While reviewing my credit report, I noticed several accounts reporting negative information that I do not recognize or recall ever authorizing. Some of these accounts show high balancessuch as one listed at over $ XXXXand are marked as charge-offs or derogatory without any prior notification, billing statements, or documentation being sent to me. These entries appeared without any explanation, and I was never contacted by the creditor or given the opportunity to validate or dispute the debts at the time they were reported. Despite my previous attempts to dispute them, no supporting documents or proper validation have been provided to justify their continued presence on my report. I am now formally requesting that these accounts be reinvestigated and removed if the companies involved can not furnish clear, accurate, and verifiable documentation proving their legitimacy.

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 2025-07-31 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I discovered this account while reviewing my credit report and immediately noticed multiple inconsistencies that raised serious concerns. I do not recall ever opening or authorizing this account, and I have never received any statements, billing notices, or communication from the original creditor or any collection agency regarding the balance allegedly owed. The account shows a negative status and a balance amount that I do not recognize, and no documentation has ever been provided to substantiate its legitimacy. I attempted to resolve the matter by initiating a dispute previously, but no proper validation or explanation was given. I am now formally requesting that this account be fully investigated and removed from my credit report if the company can not provide complete and accurate documentation verifying its validity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Payments are incorrect or inaccurate, please adjust or delete them. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions.

Please remove this account from all my credit reports as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Payments are incorrect or inaccurate, please adjust or delete them. 
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions.

Please remove this account from all my credit reports as soon as possible.

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