vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 days : 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 XXXX XXXX  Please delete and block the following accounts from my credit report Accounts 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 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 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 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 2025-05-23 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: KY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: MA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} 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 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 non-monetary relief
Consumer complaint received 2025-05-23 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally financial open XXXX, about XXXX of debt, reporting fraudulent activity to my consumer credit report for XXXX XXXX XXXX. XX/XX/XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Dispute Identity Theft & Data Breach Exposure | Demand for Immediate Removal Under FCRA 605B, 609 ( b ), and UCC To Whom It May Concern, I am writing to formally dispute several unauthorized accounts and hard inquiries listed on my Experian credit report. My personal information has been exposed in multiple verified data breaches, and these entries appear to be fraudulent or misused without my consent. 

Under the Fair Credit Reporting Act ( FCRA ), including Section 605B and Section 609 ( b ), I am demanding the immediate deletion of the following items, as they were not authorized and may have resulted from identity theft : Disputed Collection Accounts 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 XXXX XXXX XXXX XXXX XXXX NCCINC/BETTENHAUSEN CD XXXX NCCINC/ENTERPRISE XXXX XXXX NOWCOM/CASTLE AUTO XXXX XXXX, XXXX, XXXX NOWCOM/FREDS AUTO SALE XXXX NOWCOM/WESTLAKE FINANC XXXX, XXXX, XXXX LENDKEY/NAVY FCU XXXX GLOBAL LENDING XXXX XXXX, XXXX CREDIT ACCEPTANCE XXXX, XXXX XXXX XXXX, XXXX, XXXX EXETER FINANCE LLC/WCG XXXX CONSUMER PORTFOLIO SVC XXXX, XXXX CAPITAL XXXX AUTO FIN XXXX XXXX XXXX CAP XXXX NA XXXX ALLY FINANCIAL XXXX, XXXX Due to the confirmed breaches of my private information, I am demanding that these disputes not be processed via the E-Oscar system. As a verified victim of data breaches, I require a manual investigation per XXXX U.S.C. XXXX. 

Under the Uniform Commercial Code ( UCC ), I am further demanding wet-ink signed original contracts for each of these accounts and inquiries. If you can not produce them, you are legally obligated to remove these entries. 

Failure to comply within XXXX ( XXXX ) business days will result in legal action, including complaints to the CFPB, FTC, and potential lawsuits under XXXX XXXX. XXXX for willful noncompliance. 

This is your legal notice. Govern yourselves accordingly. 

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 2025-05-23 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: SC

Complaint narrative:
Subject : Formal Complaint and Request for Investigation Unverified Collection Account by XXXX XXXX XXXX Dear CFPB, I am submitting this formal complaint regarding an unverified collection account reported by XXXX XXXX XXXX on my Experian and Equifax credit reports. Despite initiating this dispute process over three months ago and submitting multiple requests for validation, the account remains on my credit reports with no resolution. 

Account Information : Account Holder : XXXX Balance : {$1500.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Reporting Agencies : Experian and Equifax Timeline and Background : Over the past three months, I have submitted three separate disputes regarding this account. In each case, I specifically requested the following from the credit bureaus and XXXX XXXX XXXX : Proof of ownership of the alleged debt. 

The original signed contract or documentation evidencing the debt. 

Verification of the debts validity, as required by law. 

To date, I have received no documentation, and the information remains on my reportsunchanged and unverified. 

Cited Violations and Legal Grounds : 15 U.S.C. 1681i ( FCRA ) Requires credit reporting agencies to conduct a reasonable reinvestigation and delete unverifiable information. 

15 U.S.C. 1681 ( FCRA of 1970 ) Establishes the right of consumers to dispute inaccurate or incomplete information. 

15 U.S.C. 1681b ( a ) ( 2 ) Restricts access to credit reports to those with a legitimate purpose. 

15 U.S.C. 1692g ( FDCPA ) Requires debt collectors to validate debts within 30 days upon request. 

Despite being legally obligated to do so, neither the reporting agencies nor the furnisher has complied.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: OR

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Formal Complaint Summary Funds Availability Violation To Whom It May Concern, I am submitting this complaint due to Navy Federal Credit Union 's improper handling of a large check deposit into my account ending in XXXX, in potential violation of Regulation CC ( 12 CFR 229.13 ) and their own published Funds Availability Schedule ( NFCU XXXX, rev. XXXX ). 
On Monday, XXXX XXXX XXXX, I deposited a check in the amount of {$16000.00}, issued as part of a legal settlement. Navy Federal issued an email stating that {$16000.00} of the check would be held for up to 5 business days to ensure the check processes successfully. However : Under 12 CFR 229.13 ( b ) and Navy Federal 's own Funds Availability policy ( see Checks {$220.00} and Over and Longer Delays May Apply sections ), the first {$5500.00} of any large check deposit must be made available within two business days, unless an applicable exception is cited. 
As of Wednesday, XX/XX/XXXX ( the second business day after the deposit ), no portion of the {$5500.00} had been made available. This is a direct violation of the funds availability timeline unless a valid exception was applied. 
The notice Navy Federal provided did not cite any specific exception ( such as " new account, '' " repeated overdrafts, '' or " reasonable cause to doubt collectibility '' ) as required by 229.13 ( g ). A vague reference to ensuring the check processes successfully does not satisfy the regulatory burden to withhold the entire deposit.

Navy Federals own published policy in NFCU XXXX ( rev. XXXX ) states : We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. 
This notice did not meet those standards and failed to recognize the required partial release. 
I submitted a secure message through Navy Federals online portal on XX/XX/XXXX, but the response timeframe given was 23 business days, which delays resolution well beyond the required fund availability window. 
I am requesting : Immediate compliance with Regulation CCs large deposit provisions Release of the first {$5500.00} An updated, compliant notice that accurately reflects the exception used ( if any ) and the updated fund availability schedule Please note that this complaint is submitted to both NCUA and CFPB for regulatory investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

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 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 2025-05-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I maintain excellent credit and applied for the Capital One Savor Credit Card in reliance on a prominently advertised {$200.00} cash bonus promotion. This offer was a significant factor in my decision to open the account. However, after meeting the stated requirements and subsequently contacting Capital One, I was informed that I was not eligible for the bonus. I believe this constitutes a case of false or misleading advertising and am seeking a formal review of the matter. 

* * Capitol One advertisement on multiple platforms. 

The Capital One Savor card currently offers a {$200.00} cash bonus to new cardholders after they spend {$500.00} within the first three months of account opening. This bonus is a one-time offer and is in addition to the card 's ongoing rewards of 3 % cash back on dining, grocery store purchases, entertainment, and popular streaming services, plus 1 % on all other purchases. 
Here 's a more detailed breakdown : Sign-up bonus : {$200.00} cash bonus after spending {$500.00} within the first three months. 
Ongoing rewards : 3 % cash back at grocery stores, on dining, entertainment, and popular streaming services ; 1 % on all other purchases. 
No annual fee : The card has no annual fee. 
Other benefits : 8 % cash back on Capital One Entertainment purchases, 5 % cash back on hotel and rental car bookings through Capital One XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: OH

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : 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 OH XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$330.00} Inquiries 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 non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, present evidence of explicit authorization for each inquiry, disclose all communication exchanged, share internal records, confirm identity verification measures, and demonstrate compliance with relevant laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file.

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 2025-05-23 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: FL

Complaint narrative:
I filed a dispute with the credit agency and I will submit a follow up with the 3rd party collector that is restarting this old debt as if I opened this account this year -\The date opened for this account, reported as XX/XX/2025, is inaccurate and misleading. I request that you provide documentation validating the reported date. If you can not produce such documentation, I expect you to correct or remove the information from all credit reporting agencies as required by the Fair Credit Reporting Act ( FCRA ). 
Additionally, please treat this letter as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting : 1. The name and address of the original creditor 2. A full accounting of the amount claimed 3. Documentation verifying that your agency has legal authority to collect on this account 4. Proof of the correct date the account was allegedly opened Until this information is provided, I request that all collection activity and credit reporting on this account cease immediately. 
Please respond to this request in writing within 30 days. I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed a dispute with the credit agency and I will submit a follow up with the 3rd party collector that is restarting this old debt as if I opened this account this year -\The date opened for this account, reported as XX/XX/year>, is inaccurate and misleading. I request that you provide documentation validating the reported date. If you can not produce such documentation, I expect you to correct or remove the information from all credit reporting agencies as required by the Fair Credit Reporting Act ( FCRA ). 
Additionally, please treat this letter as a formal request for validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting : 1. The name and address of the original creditor 2. A full accounting of the amount claimed 3. Documentation verifying that your agency has legal authority to collect on this account 4. Proof of the correct date the account was allegedly opened Until this information is provided, I request that all collection activity and credit reporting on this account cease immediately. 
Please respond to this request in writing within 30 days. I have enclosed a copy of my government-issued ID and a recent utility bill to verify my identity and address.

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 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OR

Complaint narrative:
Upon viewing my most recent consumer report, I discovered bankruptcies that should not be present. Having recently studied relevant laws, I found that this constitutes a violation of 15 U.S. Code 1681a ( 4 ) regarding Consumer Right to Privacy. These bankruptcy entries should not appear on my credit report, and you have released my personal information without my consent. This situation is completely unacceptable, as I am a victim of identity theft. Please be aware that you may be both criminally and civilly liable for these violations. If this complaint is not handled appropriately, I will pursue legal action against your organization.

Company response to consumer: Closed with explanation