vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was alarmed to discover that my credit report has been accessed without my knowledge or consent. Several applications appear to have been made in my name, resulting in inquiries from companies Ive never interacted with. I did not authorize these actions, nor do I recognize these inquiries. This is a serious breach of my rights as a consumer and entirely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
Hi, I am reaching out to correct the inaccurate personal information on my credit report. These errors are affecting my ability to get approved for credit, and the ongoing issues have become extremely frustrating.

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 2025-07-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint regarding fraudulent and inaccurate negative items reported by Navy Federal Credit Union on my credit reports. These charged-off accounts are the direct result of identity theft and/or a data breach, and I am requesting their immediate removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and related federal laws. These accounts were not opened or authorized by me and are clearly the result of unauthorized access to my personal information. Despite my good faith efforts to resolve this directly with the creditor and credit bureaus, the items remain. I am now requesting your agency 's intervention and enforcement, as this is a violation of : My Legal Rights Under : FCRA 605B Requires credit bureaus to block fraudulent information within 4 business days of receiving a valid identity theft report FACTA ( Fair and Accurate Credit Transactions Act ) Gives me the right to dispute and block identity theft-related accounts 18 U.S. Code 1028 Criminalizes identity theft and supports my claim that this activity was unauthorized State Data Breach Notification Laws Support my standing as a victim of negligent data handling by institutions entrusted with my information These charged-off accounts are damaging my credit, affecting my livelihood, and do not reflect my actual financial behavior. I have consistently acted in good faith to dispute them and have complied with all documentation requirements. I respectfully request the CFPB to : Investigate Navy Federal Credit Unions reporting practices and their failure to remove known fraudulent data ; Instruct the credit bureaus to block and permanently delete the disputed Navy Federal accounts from my credit reports ; Ensure that I am notified of the outcome in writing. 

Thank you for your attention to this matter. I trust in your agencys mission to protect consumers like myself from the long-lasting impact of fraud and improper credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. 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 XXXX XXXX SC XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a very good credit score, multiple cards without balance and credit limits up to XXXX. I have applied for a credit card with US Bank and have received a limit of {$500.00}. I considered this a joke, and u asked to close the card. I called and asked to delete all my data. I was transferred to Underwriting where a female rep named XXXX XXXX XXXX, who stated she is the only one working there with that name, stated she is not familiar with how to delete my data. 

This looks unethical and a way to collect data and then have staff who states they never heard of California Consumer Privacy 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 2025-07-03 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company claiming to be called XXXX XXXX called my father to inform him that I needed to call back because they have a matter to discuss about my social security number. I called them back at XXXX and talked to someone by the name of XXXX XXXX He informed me that I owed over {$2500.00} discounted from an original amount over {$6000.00} and actions have been taken to take me to court and I would be served legal papers this afternoon. I asked what account that I owe and he mentioned that the account ended in XXXX XXXX XXXX XXXX  with Capital One bank. I checked my credit report and banks and do not have any accounts that end with the account number he gave me, nor the amount they said I owed. The person I talked to had my full social security number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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! Update the late payments from my consumer reports

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 2025-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: MIDFIRST BANK
State: CA

Complaint narrative:
On XX/XX/XXXX my mortgage company which is XXXX Mortgage added a {$900.00} fee to my mortgage account. I called XXXX around XX/XX/XXXX to ask more information about the added fee. The customer representative stated that the fees were related to my XXXX XXXX case. I told the representative that I am not responsible for this fee because all the paperwork done was for XXXX XXXX, not me. The representative also stated that I can dispute this fee so I requested the form XXXX requires to start the dispute. I was told it would take XXXX to XXXX weeks to get it in the mail. It has been over XXXX months and I have not gotten the form in the mail from XXXX. I believe that I am not responsible for this fee. It's like XXXX XXXX  bought a company car and they want me to pay for it. On my credit report it shows I am current with XXXX XXXX. On my statement it is a different story.

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 2025-07-03 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-03 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. 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 XXXX Address : XXXX XXXX XXXX XXXX NC XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-03 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: NC

Complaint narrative:
b'My Complaint:\n\nI submitted a formal debt verification letter to XXXX XXXX XXXXXXXX in XXXX XXXX  regarding multiple alleged debts they claim I owe. They responded by claiming the debts were "verified," but they failed to provide any documentation that legally verifies these debts under the Fair Debt Collection Practices Act (FDCPA), XXXX XXXX XXXX\n\nSpecifically:\n\nI have not received any signed contracts, itemized statements, or any documents proving they own the debts or have the legal right to collect on them.\n\nTheir response consisted only of a statement that the debts were valid  which does not meet the requirements for proper verification.\n\nI sent my request in writing and within the XXXXday period from their initial contact.\n\nDespite their failure to properly verify, they have continued collection activity and reported these accounts to my credit report, negatively impacting my score.\n\n\nThis is a direct violation of the FDCPA. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action.\n\n\n---\n\nRequested Resolution:\n\nRequire XXXX XXXX XXXX  to provide full and proper documentation of the alleged debts for the accounts listed below.\n\nRequire them to cease collection efforts and remove credit reporting until proper validation is provided.\n\nIf they cannot validate these accounts, they must delete the tradelines from my credit reports and cease all future contact.\n\n\n\n---\n\nAccounts in Question (last XXXX digits):\n\nXXXX---\n\nAdditional Information:\n\nName of Debt Collector: XXXX XXXX XXXX\n\nDate I sent the verification letter: XXXX XXXXn\nMethod sent: Certified mail (tracking available upon request)\n\nThey have reported these debts to my credit report.\n\nMy full name and address:\XXXX XXXX XXXX XXXX XXXX, NC XXXXn\n\n\n---\n\nNext Steps: I respectfully ask the CFPB to compel Resurgent Capital Services to comply with federal law, properly validate the alleged debts, and correct any reporting violations if validation cannot be produced.\n\nThank you for your time and attention to this matter.\n\n\n---\n\nLet me know if you want to also submit a dispute letter to the credit bureaus (Equifax, TransUnion, Experian) for these same accounts  I can draft that next.'

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 2025-07-03 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: NC

Complaint narrative:
b'My Complaint:\n\nI submitted a formal debt verification letter to XXXX XXXX XXXXXXXX in XXXX XXXX  regarding multiple alleged debts they claim I owe. They responded by claiming the debts were "verified," but they failed to provide any documentation that legally verifies these debts under the Fair Debt Collection Practices Act (FDCPA), XXXX XXXX XXXX\n\nSpecifically:\n\nI have not received any signed contracts, itemized statements, or any documents proving they own the debts or have the legal right to collect on them.\n\nTheir response consisted only of a statement that the debts were valid  which does not meet the requirements for proper verification.\n\nI sent my request in writing and within the XXXXday period from their initial contact.\n\nDespite their failure to properly verify, they have continued collection activity and reported these accounts to my credit report, negatively impacting my score.\n\n\nThis is a direct violation of the FDCPA. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action.\n\n\n---\n\nRequested Resolution:\n\nRequire XXXX XXXX XXXX  to provide full and proper documentation of the alleged debts for the accounts listed below.\n\nRequire them to cease collection efforts and remove credit reporting until proper validation is provided.\n\nIf they cannot validate these accounts, they must delete the tradelines from my credit reports and cease all future contact.\n\n\n\n---\n\nAccounts in Question (last XXXX digits):\n\nXXXX---\n\nAdditional Information:\n\nName of Debt Collector: XXXX XXXX XXXX\n\nDate I sent the verification letter: XXXX XXXXn\nMethod sent: Certified mail (tracking available upon request)\n\nThey have reported these debts to my credit report.\n\nMy full name and address:\XXXX XXXX XXXX XXXX XXXX, NC XXXXn\n\n\n---\n\nNext Steps: I respectfully ask the CFPB to compel Resurgent Capital Services to comply with federal law, properly validate the alleged debts, and correct any reporting violations if validation cannot be produced.\n\nThank you for your time and attention to this matter.\n\n\n---\n\nLet me know if you want to also submit a dispute letter to the credit bureaus (Equifax, TransUnion, Experian) for these same accounts  I can draft that next.'

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 2025-07-03 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 dispute a collection account on my credit report that is beyond the legal reporting limit under the Fair Credit Reporting Act ( FCRA ). According to my records, the date of first delinquency on this account exceeds the XXXX-year limit for negative credit reporting.

Company response to consumer: Closed with explanation