vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: MD

Complaint narrative:
The credit reporting agencies are buying, selling and trading my information for monetary gain without my consent and needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, [ bureau_name ] continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

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 2025-07-22 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( XXXX  ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely 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 2025-07-22 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: TX

Complaint narrative:
I am writing to formally contest an account shown in my credit report that is not mine. This listing is illegitimate and likely stems from unauthorized use of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I made a purchase and it was never received. I disputed it XX/XX/XXXX and kept being told different dates for the dispute and was finally told it would be no later than XX/XX/XXXX but they still have no answers. The dispute is from XXXX on XX/XX/XXXX for {$56.00}. I simply requested my money back after sending everything they have requested. They are in violation of the terms and contract that they had me agree to. I want my money back and if there are any other fees I can request, I would like to request that as well because this has caused me to be late on other bills and had they given me my money back this wouldn't have happened. My email is XXXX phone number XXXX name XXXX XXXX. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
I was not aware of these suspicious and potentially fraudulent inquiries. Please look into them and resolve the issue. Documentation is enclosed.

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 2025-07-22 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To Whom It May Concern

, I am writing to formally request the removal of outdated and inaccurate addresses from my consumer credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), Section 609 ( c ) and Section 611 ( a ).

Please remove the following addresses from my credit report, as they are no longer associated with me : XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX These addresses are obsolete and inaccurate. My current and only correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I demand these outdated addresses be removed immediately to ensure the accuracy of my credit profile. Please provide a reinvestigation summary under FCRA 611 once the deletions are complete. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to formally document a serious issue with my XXXX  XXXX  account and to express my deep concern regarding how this situation has been handled. 

I mailed a check to XXXX, which was deposited on XX/XX/year>. On that same day, a fraudulent check using Check XXXX XXXX XXXXhe exact same check number I issued was also deposited. The fraudulent check was clearly typed, did not follow my check format ( I always place an XXXX  ( XXXX  ) before the cents amount on the written amount line ), and was an obvious forgery. 

I immediately contacted XXXX when the bank opened on XX/XX/XXXX. A representative opened an investigation but did not file a formal fraud claim, despite the clear evidence of forgery. I believed the matter was being handled. 

However, while I was traveling abroad with limited internet access, multiple fraudulent checks cleared from my account : {$780.00} and {$820.00} on or around XX/XX/XXXX {$400.00}, {$480.00}, {$980.00}, and {$720.00} over the following days XXXX additional fraudulent checks for {$490.00} and {$300.00}, which were pending when I called, also cleared By the time I followed up with XXXX, over {$4900.00} had been stolen through these unauthorized withdrawals. 

When I called again, I was informed that no formal claim had been opened until that second call. I was also told it would take XXXX  days to recover the funds. 

I specifically asked XXXX to place a hold or freeze on my compromised XXXX  account, explaining that fraudulent withdrawals were still occurring. I was told this could only be done in person, despite my being abroad which I clearly stated made it impossible. 

XXXX eventually refunded {$980.00} and {$720.00} ( totaling {$1700.00} ). However, those funds were immediately withdrawn again through additional fraudulent checks of {$600.00}, {$500.00}, and {$500.00}. 

At this point, the total amount stolen from my account is {$6500.00} including both the initial fraud and the continued withdrawals after XXXX issued refunds. This means XXXX is now also incurring losses, as the refunded amounts were stolen again due to the lack of protective action on the account. 

I have asked repeatedly for this matter to be escalated to a supervisor, but my requests have been dismissed. Chases failure to act, mishandling of my initial report, and refusal to protect my account have directly resulted in ongoing financial losses for both me and the bank. 

Please advise immediately how this issue will be resolved and who I can escalate this to in writing. This email serves as a formal record of my attempts to protect my account and recover my funds. 

For your reference, my claim number is : XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-22 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: IA

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 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 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I hope this message finds you well. I am writing to formally lodge a complaint against Navy Federal Credit Union concerning the recent locking of my account, which has resulted in significant financial and personal distress. Despite my prior notification to Navy Federal regarding an impending deposit from XXXX, my account was locked XXXX hours before the funds were deposited on XX/XX/XXXX. Since then, I have been informed that I must wait an additional 15 days for a review process, which has already elapsed without any communication or resolution from your institution.This situation has severely impacted my ability to purchase a vehicle, which is urgently needed as my wife is pregnant and requires reliable transportation. The delay in accessing my funds, which are accruing interest, is not only causing me financial strain but is also affecting my family 's well-being during this crucial time. Additionally, upon contacting Navy Federal for clarification, I was told that to close my account, I must visit a specific branch in person. As a member of the military, I am scheduled to deploy overseas tomorrow morning, making this requirement impractical and burdensome. Given these circumstances, I respectfully request that Navy FedeXXXX be compelled to expedite the closure of my account and facilitate the mailing of my funds to the address they have on file. It is vital that I gain access to my funds without further delays, especially considering my military obligations and my family 's immediate needs. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my 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 2025-07-22 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: IL

Complaint narrative:
I am reporting this issue to request the urgent deletion and blocking of unauthorized accounts listed on my credit report. These accounts were not created, approved, or recognized by me, and I am unaware of their origin. As stated in USC 1681g, I am formally requesting their removal within 15 days. I have attached supporting documentation for further examination. The account information being reported is also inaccurate and varies between credit bureaus.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in response to the companys resolution provided to the Consumer Financial Protection Bureau. I am not satisfied with their response and request that this matter remain open for further investigation and resolution. I previously disputed the following accounts, which are inaccurately reported on my credit file and remain unresolved : XXXX XXXX Account Number : XXXX Balance : {$2000.00} Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX  XXXX XXXX  XXXX XXXX Number : XXXX : $ XXXX Creditor : XXXX  XXXX  XXXX have disputed these accounts multiple times with the credit reporting agencies, and yet they remain without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report. The responses I have received either lacked sufficient documentation or failed to address my concerns altogether. I am requesting that the CFPB continue to investigate this matter. I ask that the company provide proper validation of the debt, including but not limited to : A copy of the original signed contract A full payment history Proof of legal ownership or assignment of the debt Explanation of how the debt amount was calculated Method of investigation in full explanation Thank you for your continued support in helping to protect my

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent XXXX  inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly XXXX result in further escalation.

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