vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute your failure to comply with the procedural requirements of the Fair Credit Reporting Act ( FCRA ).

I have an active dispute regarding the accuracy of several accounts on my credit file. Despite this, your agency has failed to mark these accounts as " in dispute '' on my consumer credit report, as is explicitly required by 15 U.S.C. 1681i ( c ).

This failure is a clear procedural violation that prejudices my rights. The absence of a dispute notation misleads any user of my credit report into believing the information is accurate and not contested, which causes direct harm to my creditworthiness during the reinvestigation process. 

Accounts Not Marked " In Dispute '' : XXXX XXXX XXXXXXXX ( Account XXXX XXXX [ Last 4 Digits of XXXX XXXX  ] ) XXXX  XXXX XXXX ( Account : XXXX [ Last 4 Digits of XXXXXXXX XXXX ] ) XXXX 's ( Account XXXX XXXX [ Last 4 Digits of XXXXXXXX XXXX ] ) Requested Relief : I demand that you immediately : Flag all the accounts listed above with the notation " Consumer Disputes Information '' as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Summary : In XXXX, a fraudulent Navy Federal credit card account was opened in my name without my authorization. I promptly reported this to Navy Federal, submitted all documentation requested, and have consistently maintained this account was not mine. 

Despite filing a fraud claim and providing documentation ( including a blank statement received from their attorneys office ), Navy Federal has failed to resolve the matter or provide a written explanation of why my fraud claim was denied. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX regarding a garnishment for this account, which allegedly has a balance of $ XXXX. When I called both Navy Federal and XXXX XXXX XXXX, I was repeatedly transferred back and forth, with each claiming they had no information in my file. Navy Federal representatives confirmed they had all required documents from me but could not provide the case status. 

I am currently on total temporary XXXX due to workplace injuries and surgeries ( XX/XX/XXXX injury, XX/XX/XXXX and XX/XX/XXXX surgeries ), and I receive only {$540.00} per week. I can not afford this garnishment. 

Issues of Concern : Navy Federal has failed to investigate or resolve my fraud claim properly. 

No clear explanation was given for the denial of my fraud claim. 

A garnishment has been issued for $ XXXX against me despite my XXXX income, with conflicting statements from Navy Federal and XXXX XXXX XXXX XXXX to whether they even initiated it. 

The garnishment was filed in XXXX XXXX XXXX XXXX, although I reside in XXXX XXXX, raising questions of jurisdiction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: AR

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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am requesting to delete the unauthorized hard inquiries from XXXX  XXXX dated XXXX and XXXX. These inquiries were made without my knowledge, authorization, or any valid permissible purpose as required under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Reporting or maintaining these inquiries without my consent is a direct violation of my consumer rights and fails to comply with the maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ). Furthermore, this situation is similar to the XXXXXXXX XXXX  TransUnion case, where the court ruled that retaining inaccurate or unauthorized information without proper verification constitutes an FCRA violation. I am respectfully demanding the immediate removal of these inquiries and expect my credit file to be updated to reflect accurate and verified information in full compliance with 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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything. I need you to make sure all of my information is 100 % correct. I am also writing to address the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: WI

Complaint narrative:
I have been charged a NSF fee every month since XXXX when only XXXX of the NSF fees is accurate. The last NSF fee was charged after they tried to debit my account twice within XXXX days when they where paid the first attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XX/XX/year>, I went to XXXX XXXX ( XXXX, FL ) to purchase a vehicle. I intended to pay in cash, but I was pressured into financing by their salesperson XXXX XXXX. He and the dealership staff altered the loan terms without my knowledge, leaving me in a predatory loan. 

Key details : The dealership inflated the loan balance and payments far beyond the agreed terms. 
I later discovered I was left over {$20000.00} upside down on the loan from day one. 
The dealership, through XXXX XXXX, had access to my SSN and drivers license, which were later used without authorization to open a fraudulent gambling account in my name. 
This has caused ongoing identity theft and financial harm totaling approximately {$230000.00} between fraudulent accounts and losses. 
The loan provider ( XXXX XXXX XXXX is continuing to enforce a contract that was entered under false pretenses and fraud. 

Importantly, the salesperson responsible, XXXX XXXX, has since been XXXX  and is facing XXXX felony fraud charges in XXXX XXXX XXXX, Florida ( Case No. XXXX ). These criminal charges confirm that this was not a misunderstanding but part of a broader pattern of fraud. 

XXXX XXXX Sales Manager XXXX XXXX XXXX ) and General Manager ( XXXX XXXX ) oversaw his activity, ignored internal concerns, and failed to protect consumers from fraudulent practices. 
I am requesting that : 1. The fraudulent auto loan be corrected or cancelled ( billing adjustment ). 
2. Any negative credit reporting connected to this loan be removed.

3. I be compensated for damages caused by the fraudulent loan and misuse of my personal information.

4. CFPB conduct a formal investigation into XXXX XXXX sales practices, as this appears to be part of a larger pattern ( numerous XXXX  complaints and reviews document similar tactics ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
sofi decided my account to be closed and sent for closure but they are not closing this also they said they will be return deposits to its originator but they did not send anything and they refuse to answer any of these .. send back the ACH deposits to its sender/originator and provide me trace number of the transfer/return they sent The branch fax number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: MD

Complaint narrative:
On dates XXXX, XXXX and XXXX I was the victim of a scam. A person posing as a realtor tricked me into sending money totaling {$2600.00} from my Netspend account ending in [ XXXX ], including transfers through XXXX XXXX. I initially requested a partial refund of {$1900.00}, but it is now clear that the entire {$2600.00} was sent under false pretenses and is fraudulent. 

Netspend denied my previous dispute, claiming that because I transferred money via XXXX XXXX, I authorized the transactions. This is incorrect. While I initiated the transfers, they were made under criminal deception and fraudulent inducement. I did not knowingly or willingly authorize payment to a scammer. Under the Electronic Fund Transfer Act ( Regulation E ), all fraudulent transactions must be treated as unauthorized and refundable, regardless of the method used.

I have provided proof of the scam, including [ screenshots, transaction details, correspondence, and a fraud report ] but Netspend still refused to refund my funds.

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 2025-08-30 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: LEXISNEXIS
State: SC

Complaint narrative:
I am writing to request the CFPBs immediate intervention regarding disclosures of my personal information without consent by two entities under your jurisdiction : XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ) and LexisNexis Risk Solutions. These disclosures violate my federal privacy rights under the Privacy Act of 1974, 5 U.S.C. 552a ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ; the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 68016809 ; and other laws governing the sharing of personal and financial data. I have repeatedly opted out of all data-sharing programs offered by LexisNexis, and have formally requested redactions and restricted access through PACERs administrative procedures, yet both companies continue to disseminate my protected information to third-party consumers. GrammLeachBliley Act, 15 U.S.C. 6802 ( a ) : prohibits financial institutions from sharing nonpublic personal information with nonaffiliated third parties, unless the individual has received proper notice and an opportunity to opt out. Electronic Government Act of 2002, 44 U.S.C. 3501 note : mandates privacy impact assessments and limits disclosure of personal data on federal electronic information systems, including court record portals. Privacy Act of 1974, 5 U.S.C. 552a : prohibits federal agencies and their contractors from disclosing individually identifiable records without written consent, absent a statutory exemption. Fair Credit Reporting Act, 15 U.S.C. 1681b ( f ) : restricts a consumer reporting agency from furnishing a consumer report containing personal identifiers without a permissible purpose or the consumers written authorization.

Never have I gave any written authorization, a written request, or any authorization to share or sale any personal information relating to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing a fraudulent account reported under my name. I have no association with this account, nor did I authorize its creation. Its inclusion on my report is a clear error and damaging to my financial profile.

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 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file.

Company : HARRIS & HARRIS LTD The original creditor is XXXX XXXX. I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically asked for proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of delivering this validation, the bureaus verified the account without furnishing proof. I disagree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or Proof that HARRIS & HARRIS LTD has legal ownership and authority to collect this account. Despite the lack of validation, the account continues to be reported on my credit file by XXXX XXXX, and XXXX, which is an inaccurate and misleading representation. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified collection without documentation fails to meet this standard. 15 U.S.C. 1681i ( a ) : When a consumer disputes an item, the credit reporting agencies are required to conduct a reasonable reinvestigation. My dispute was not properly investigated, as no proof of debt was provided ; yet, the account remains open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: FL

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 XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 2025-08-30 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: IL

Complaint narrative:
A rental account recently appeared on my credit report under the name XXXX XXXX XXXX I have no knowledge of this account, never authorized it, and did not enter into any agreement with this company. I believe this is the result of identity theft/Equifax data breach.This account is reporting inaccurately, is damaging my credit, and needs to be fully investigated and removed from my credit report. I have supporting documents, including an identity theft report and proof of identity, available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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