vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX - {$25000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$330.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX  - XX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/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 non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this formal complaint against the credit reporting agencies for knowingly reporting false, inaccurate, and unverified information on my consumer credit report. I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( A ) which states that consumer reporting agencies must assure maximum possible accuracy of information. The following accounts and inquiries are incorrect, incomplete, or not verifiable, and I am demanding immediate reinvestigation and deletion. These items are causing me severe financial harm, loss of credit opportunities, denial of loans, higher interest rates, and emotional distress. I never authorized nor consented to these items being reported in such a false and damaging way. I am attaching my full list of disputes below and I request the CFPB to hold the credit bureaus accountable for failing their duty to maintain accurate records. 

Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NV XXXX Law Issue : FCRA 607 ( b ) requires you to follow reasonable procedures to assure maximum possible accuracy. Reporting this address creates a false association and violates this law. 
Story : I have never lived at this address, never received mail there, and have no rental agreements, utility bills, or identification documents connected to it. Including this false address on my credit file makes it look like I lived somewhere I never resided. This increases the risk of identity theft and misrepresents my true personal information to lenders and employers who review my credit. By leaving this inaccurate address, you are connecting me to potential accounts or debts that XXXX not be mine. 
Instruction : Remove this address immediately from my credit file as unverifiable and inaccurate. 

I request that the CFPB take immediate action against the credit reporting agencies for failing to maintain maximum possible accuracy, failing to properly reinvestigate, and for allowing unauthorized inquiries on my report. These errors are causing me ongoing financial and emotional harm. I demand that the CFPB direct the agencies to delete these inaccurate accounts and inquiries permanently and hold them accountable for violating the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: DC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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
Consumer complaint received 2025-08-22 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:
As required by USC 1681g, these incorrect accounts must be erased within 15 days.

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 2025-08-22 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: FL

Complaint narrative:
Re : Second Dispute Request Inaccurate Credit Reporting To whom it may concern, I am writing in reference to my previous dispute dated XX/XX/year> concerning the alleged account ( s ) appearing on my credit report, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prior response failed to provide adequate verification or proper documentation to substantiate the reporting of this account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am demanding a full and proper investigation into this matter. 
Specifically, I am requesting documentation including : 1. Original signed contract or promissory note.

2. Complete chain of custody / assignment of rights.

3. Proof of securitization, pooling, or sale of the account.

4. Full payment history.

5. Documentation of interest capitalization, settlements, or modifications.

6. Authorization agreements for reporting this account. 
If the furnisher can not produce competent evidence, the account must be deleted. Continued reporting of unverifiable information constitutes willful noncompliance under the FCRA. 
I expect a full reinvestigation within 30 days. If unverifiable, delete the account. 
Sincerely Notice of Intent to Sue Re : Notice of Intent to Sue Inaccurate Credit Reporting / Failure to Validate Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This letter serves as formal Notice of Intent to Sue pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), regarding your continued reporting and/or collection activity related to the above-referenced account. 
Despite multiple disputes, you have failed to provide competent evidence. Instead, you continue to report or attempt to collect on this unverifiable debt. This conduct constitutes : 1. Violation of FCRA 1681i failure to conduct a reasonable reinvestigation. 
2. Violation of FCRA 1681s-2 ( b ) continued reporting without verification.

3. Violation of FDCPA 1692g failure to validate the debt. 
I am prepared to initiate legal action seeking statutory and actual damages, attorneys fees, and injunctive relief. 
You have 15 days from receipt of this notice to : 1. Permanently delete the disputed account from my credit file ( s ) ; and 2. Provide written confirmation of deletion. 
Failure to comply will result in legal action without further notice. 
Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
Re : Second Dispute Request Inaccurate Credit Reporting To whom it may concern, I am writing in reference to my previous dispute dated XX/XX/year> concerning the alleged account ( s ) appearing on my credit report, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your prior response failed to provide adequate verification or proper documentation to substantiate the reporting of this account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am demanding a full and proper investigation into this matter. 
Specifically, I am requesting documentation including : 1. Original signed contract or promissory note.

2. Complete chain of custody / assignment of rights.

3. Proof of securitization, pooling, or sale of the account.

4. Full payment history.

5. Documentation of interest capitalization, settlements, or modifications.

6. Authorization agreements for reporting this account. 
If the furnisher can not produce competent evidence, the account must be deleted. Continued reporting of unverifiable information constitutes willful noncompliance under the FCRA. 
I expect a full reinvestigation within 30 days. If unverifiable, delete the account. 
Sincerely Notice of Intent to Sue Re : Notice of Intent to Sue Inaccurate Credit Reporting / Failure to Validate Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This letter serves as formal Notice of Intent to Sue pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), regarding your continued reporting and/or collection activity related to the above-referenced account. 
Despite multiple disputes, you have failed to provide competent evidence. Instead, you continue to report or attempt to collect on this unverifiable debt. This conduct constitutes : 1. Violation of FCRA 1681i failure to conduct a reasonable reinvestigation. 
2. Violation of FCRA 1681s-2 ( b ) continued reporting without verification.

3. Violation of FDCPA 1692g failure to validate the debt. 
I am prepared to initiate legal action seeking statutory and actual damages, attorneys fees, and injunctive relief. 
You have 15 days from receipt of this notice to : 1. Permanently delete the disputed account from my credit file ( s ) ; and 2. Provide written confirmation of deletion. 
Failure to comply will result in legal action without further notice. 
Sincerely

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Subject : Urgent Formal Complaint Regarding Mishandled Cashiers Check & Request for Immediate Resolution To Whom It May Concern, I am writing to formally file a complaint regarding a serious issue with Navy Federal Credit Union that has caused me significant financial and emotional distress. I have been a loyal Navy Federal member for over four years, and I am extremely disappointed in the way my situation has been handled. 

In XX/XX/year>, I obtained a cashiers check for {$3300.00} from Navy Federal to pay my rent. Unfortunately, my leasing office lost the check. I immediately went back to the branch and completed all required documents to request a reissued cashiers check. I was assured that the matter would be handled and that a new check would be mailed to me. 

It is now XX/XX/year>, and I still have not received the replacement check. Throughout this process, I have spoken with branch managers, supervisors, and customer service representatives numerous times. Despite repeated calls and follow-ups, I have received no resolution, no updates, and no consistent communication. 

Furthermore, I was informed that the original check has not been used, yet Navy Federal has neither refunded my {$3300.00} nor issued the replacement check as promised. This delay has caused severe consequences : My leasing company has reapplied the {$3300.00} balance back to my account. 
I am now facing eviction proceedings due to nonpayment. 
Additional late fees totaling over {$2000.00} have been added to my account. 
I have endured unnecessary stress and financial hardship due to Navy Federals negligence and lack of communication. 

This situation is unacceptable. I entrusted Navy Federal with my funds, and the failure to resolve this matter promptly has put me at serious risk of losing my housing. 

I am formally requesting that Navy Federal : 1. Immediately issue and overnight a replacement cashiers check in the amount of {$3300.00} to me or directly to my leasing office. 
2. Reimburse me for any late fees or penalties resulting from the banks delay. 
3. Provide a written response detailing the steps being taken to resolve this matter within five ( 5 ) business days. 

If I do not receive a satisfactory response within 10 business days, I will have no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

I hope Navy Federal takes this matter seriously and resolves it immediately to avoid further financial harm. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - XXXX GA ( Navy Federal Credit Union )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX High Balance : {$850.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX High Balance : {$1400.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$660.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) High Balance : {$1600.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX XXXX High Balance : {$850.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX High Balance : {$1400.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) High Balance : {$660.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) High Balance : {$1600.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 years

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I would like to know why my robinhood account was closed for simply choosing to transfer out my assets? I have been wrongfully targeted by your employee XXXX XXXX in robinhood executive customer solutions team for a very valid fraud request i had filed and he has reacted by closing my account. I did nothing wrong to have my account permanently closed. Please reverse this decision immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: CA

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

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 2025-08-22 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief