vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: CA

Complaint narrative:
I am XXXX XXXX, and I am officially contesting the incorrect details found in my credit file. As outlined under 15 U.S.C. 1681b and 15 U.S.C. 1681e, I never granted permission for my personal data to be shared or reported to the companies identified below. This action breaches my consumer right to privacy, as there is no lawful justification for reporting any information under my identity. Additionally, my credit report contains unauthorized inquiries that I did not approve or initiate, indicating potential identity theft. According to 18 U.S.C. 8,

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
Last month someone / company went got into my chime account took out XXXX dollars without my permission I never heard of this company and there was no number is can call follow i call chime put in a dispute and got denied they close the account since than I been trying figure what to do or who to call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I contacted NFCU to apply for loss mitigation on my existing primary mortgage and HELOC on XXXX. The borrowers response package was sent to me and I submitted all required documents the same day XXXX via email. The response from them stated they could not be opened. And I resubmitted all documents again the same day in a different format. Its important to note that they did not process this timely so on the XXXX business day at XXXXXXXX XXXX  I received a call stating the application was incomplete XXXX but due to the time and the holiday the next day i was unableto return the call. I followed up on XXXX due to the holiday and spoke to multiple representatives. They stated a majority of the documents were not received. However, when they looked through their records they saw they were received and that they had even been reviewed as to ask me for additional external bank documents. I resent all of the documents the same day XXXX. I received another notice of incomplete application and spoke to a representative today XXXX who informed me that they were able to see all of the documents I sent on XXXX that were listed as missing on the NOI. However, the documents were received 2 full days before the NOI was generated. This financial institution is willfully avoiding the process of my loss mitigation application and outside of federal mortgage compliance regulations. My family and I have been the subject of discrimination and predatory practices from this institution for the past 9 months individually. I requested escalation, clarification and resolution from the bank and have not yet heard back or received such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IN

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 youhave 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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 Sir/Madam, I am submitting a dispute regarding multiple accounts on my credit report that contain inaccuracies and incomplete reporting. Below is the list of accounts in dispute : Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payment : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This morning ( XX/XX/XXXX ), I received an email alert indicating that my account information had been recently changed. Upon logging into my Experian account, I discovered that Experian has added XXXX as my middle name on the records associated with my account. After speaking with an Experian representative, a case was opened to investigate this matter. At present, it is unclear what led Experian to incorrectly modify my name or if this incident is representative of a larger systemic risk, data breach or breakdown in authentication protocols.

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 2025-11-18 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: CA

Complaint narrative:
I am a consumer working to correct inaccurate and unverifiable information being reported on my credit reports by the three major credit bureaus. I am filing this dispute because the information listed below is either inaccurate, incomplete, or can not be verified under the Fair Credit Reporting Act ( FCRA ). I request that the Consumer Financial Protection Bureau assist in having these matters properly investigated and corrected or deleted.

2. Charged-Off Accounts The following charged-off accounts are being reported inaccurately or without proper verification : XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX Reported with a {$0.00} balance but listed as charged off. Please verify accuracy or delete. 

XXXX XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$1800.00} This account is disputed as inaccurate and unverifiable. 

XXXX XXXX, Acct : XXXXXXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$4700.00} I have no record or recollection of this account ; please provide full validation or remove. 

XXXX, Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$440.00} Debt is not recognized ; please verify the original creditor and documentation.

3. Inquiries I dispute the following inquiries as they were not authorized by me or were conducted without a permissible purpose : XXXX, XX/XX/XXXXXXXX XXXX XXXX, XX/XX/XXXX XXXX. Late Payments No verified late payments should be reflected. Please ensure all payment history is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-11-18 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: LA

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Experian credit report. Despite several attempts to resolve these issues directly with Experian, the bureau has failed to properly validate or investigate the disputed items, violating my rights under the Fair Credit Reporting Act ( FCRA ), particularly 611.

I am requesting that the CFPB 's assistance in ensuring Experian removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} This account is inaccurately reported, and Experian has failed to provide any validation. 

Inquiries ( XXXX ) No inquiries listed to dispute. 

Late Payments ( 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 2025-11-18 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:
Dear Sir/Madam, I am submitting a dispute regarding the account listed below on my TransUnion credit report. The account appears to have discrepancies, and I respectfully request that it be reviewed for accuracy : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$12000.00}

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 2025-11-18 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : XXXX : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-18 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: IN

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am submitting this complaint regarding two late payments reported by Bank of America on my credit card account ending in XXXX. These late payments were caused by a failure by Bank of America to notify me that AutoPay would not activate immediately, even though I enrolled in AutoPay when I opened the account.

When I opened the account, I enrolled in AutoPay with the understanding that payments would be pulled automatically. I made the first two payments manually on my own, believing that AutoPay would begin handling the payments afterward. At no point was I informed verbally, in writing, or through the online banking platform that I needed to continue making payments manually for additional cycles before AutoPay would begin functioning.

Because Bank of America did not clearly disclose that AutoPay had a delayed activation period, the 3rd and 4th payments were missed without my knowledge, as I reasonably believed AutoPay was active.

As soon as I realized the payments did not process automatically, I corrected the issue and have maintained responsible payment behavior since. These two late payments do not reflect my intentions or my payment habits.

Because of these AutoPay-related late payments : My credit limit was reduced from {$7500.00} down to {$1600.00} My credit score suffered significant negative impact My credit utilization increased, placing me in a difficult position My financial stability was affected even though I acted in good faith I contacted Bank of America through phone and secure message to request a goodwill adjustment. I was told there was nothing they can do because the information was supposedly disclosed in the AutoPay terms. However, this issue is not about the general AutoPay disclosure it is about the lack of clear and understandable communication that AutoPay would not activate even after I enrolled and made multiple manual payments.

This situation caused preventable financial harm due to a lack of proper disclosure, not consumer negligence. I am asking for fair correction by Bank of Americas XXXX XXXX XXXX 

Thank you for your attention to 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 2025-11-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my Experian credit report. These accounts are incorrectly reported, and I request that they be investigated and corrected as necessary under the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Charged Off Accounts : XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$180.00} XXXX XXXXU XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$4300.00XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$6300.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$21000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$310.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$25000.00} Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 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 a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital Systems is reporting XXXX accounts on my credit report that are inaccurate, incomplete, and legally unverifiable. XXXX confirmed that these loans were sold to Jefferson Capital on XX/XX/XXXX of the year XXXX but Jefferson Capital has never provided any required notices, validation, or verification. I never received a validation letter, notice of right to dispute, ownership transfer notice, or any communication informing me that Jefferson Capital was attempting to collect. This violates FDCPA section 809 which requires a written notice within five days of the first attempt to collect. I received no notice at all.

Jefferson Capital is reporting information to the credit bureaus without proving ownership, without verifying the balance, without validating payment history, and without showing any evidence of assignment from XXXX. This violates FCRA section 1681e b which requires maximum possible accuracy and FCRA section 623 a1A which prohibits furnishing information that can not be verified. XXXX XXXX has provided none of the required documents. 
Affirm also could not validate the accounts. They did not provide any proof of delinquency notices, accurate payment history, correct balance, correct charge off date, or proof that the accounts were valid. If XXXX can not validate these accounts, Jefferson Capital can not validate them either.

Under FCRA section 611 and section 1681i Jefferson Capital must verify ownership, assignment, complete payment history, correct balances, charge off dates, and all applied payments. They have not done so. The accounts remain unverified and inaccurate.

Under FCRA section 623 b if a furnisher can not verify the information, the furnisher must delete it. Jefferson Capital has not shown any evidence that they own the accounts or that any of the information they are reporting is accurate. Reporting a debt without providing validation or notice is illegal and requires deletion. 
Because both XXXX and Jefferson Capital failed to validate, failed to verify, and failed to provide legally required documentation, these accounts are inaccurate and must be removed. 
I am requesting the immediate and permanent deletion of these Affirm related accounts and Jefferson Capital Systems accounts from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
In XX/XX/year>, dispute letters were sent out to credit bureaus regarding inaccurate and unverifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation