vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
THE INFORMATION REPORTED IS ERRONEOUS AND UNVERIFIED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
This complaint is filed against TransUnion Information Services LLC for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a XXXX XXXX  account ( No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for XXXX XXXX. Despite a formal dispute submitted on XX/XX/XXXX, TransUnion continues to report false and inconsistent information, including an incorrect Closed / Transferred status and unverifiable late payments from XX/XX/XXXX to XX/XX/XXXX. TransUnion has failed to conduct a proper reinvestigation, verify the accuracy of the data, or provide evidence from the furnisher, in direct violation of 1681i and 1681e ( b ) of the FCRA. This negligence has caused harm to the consumers credit and financial reputation. The complainant, through her authorized representative XXXX XXXX XXXX, XXXX, demands immediate deletion or correction of all unverifiable data, confirmation of the investigation results, assurance against unlawful reinsertion, and appropriate corrective action against TransUnion for its failure to ensure maximum possible accuracy and compliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX. I was trying to buy what seemed like a good deal on a car through XXXX XXXX XXXX XXXX XXXX XXXX for XXXX but i was scammed of {$1600.00}. The seller told me to text her, and we even FaceTimed through XXXX, so she seemed completely legitimate. Since Im young and not experienced with how car insurance or car payments work, she told me I needed to pay for insurance first and that my quote had increased, so I had to send the remaining balance before she could deliver the car. After sending the money, she stopped responding and never started heading to me with the car. Later, I found out she had used another persons identity to make the scam look real. I have messages, screenshots, and proof that show exactly how I was deceived.She text me a back a few times but never gave me the money, her so called sisters told me to meet her at a location, i went and she never showed! She declined my request for my money back XXXX tried disputing with my bank but they declined because the transactions were authorized but i was mislead and lied to. I tried to appeal and they denied again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
This complaint is submitted by XXXX XXXX XXXX, XXXX on behalf of consumer XXXX XXXX XXXX under written authorization dated XX/XX/year>, concerning Experians continued furnishing and reporting of multiple, conflicting, and duplicative mortgage account entries for XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite prior written disputes and formal requests for reinvestigation, Experian continues to display multiple versions of the same XXXX XXXX accounts ( Nos. XXXX and XXXX ) under slightly different identifiers, each containing inconsistent and contradictory remarks such as Dispute Resolved Subscriber Disagrees, Consumer Disputes After Resolution, and Information Disputed by Consumer. Payment percentages and reporting metrics vary from XXXX percent to XXXX percent even though all versions reflect the same balance and In Good Standing status. This inaccurate, misleading, and duplicative reporting materially distorts the consumers credit profile, misrepresents account performance, and constitutes violations of FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which require furnishers and consumer reporting agencies to ensure maximum possible accuracy and to avoid furnishing false or inconsistent data. Experians failure to properly reinvestigate, reconcile, or remove duplicate listings within 30 days of notice further violates FCRA 611 ( a ) and Regulation V ( 12 C.F.R. 1022.43 ), reflecting systemic negligence and disregard for federal obligations. The consumer, through her authorized representative, requests that the CFPB compel Experian to conduct a complete reinvestigation, permanently delete all duplicate and inconsistent XXXX XXXX entries, remove misleading dispute remarks, and issue a corrected credit file reflecting accurate verified information. The CFPB is urged to impose enforcement oversight, sanctions, or corrective action for willful and repeated noncompliance, as this persistent inaccuracy has caused measurable harm to the consumers credit standing, violated her rights under federal law, and undermined the integrity of the credit reporting system.

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 2025-11-10 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: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-10 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:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
I am writing to formally dispute several items currently appearing on my credit report that I have found to be inaccurate, incomplete, and misleading. These inaccuracies have caused undue harm to my credit profile and do not reflect my true creditworthiness. I am requesting that the following items be permanently deleted in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I deposited a insurance check on XX/XX/year>. On XXXX i was notified that there weren't any funds available. Upon further research after speaking with bank twice and the insurance company. The insurance company said they released the funds on XX/XX/year> to wellsfargo Bank. Wellsfargo still denies they received funds from the insurance company and I would have to wait until XX/XX/year> before wellsfargo has time to try again. I recorded every conversation. This was my late mother 's life insurance policy and half of funds belong to the funeral home. I need to resolve this issue immediately.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unauthorized or Unverified Credit Inquiries Dear Credit Bureau, I am writing to formally dispute several inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604, only authorized inquiries for which I have provided written consent may appear on my report. I am requesting that you investigate and remove all inquiries that can not be verified as authorized by me. 
The following companies are listed as having accessed my credit file without my authorization : - XXXX  XXXX XX/XX/XXXX - XXXX XXXX ( XXXX  ) XX/XX/XXXX - XXXX  ( unknown ) XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - ( and any additional inquiries shown in my credit report not authorized by me ) Please conduct an investigation into these inquiries and remove any that can not be verified as initiated with my express written consent. 
In accordance with FCRA Sections 609 and 611, please provide : 1. The name and address of the business that initiated each inquiry, 2. Proof of authorization bearing my signature, and 3. A new copy of my credit report showing the results of your investigation. 
If you are unable to verify any of the inquiries listed, I request that they be deleted immediately from my credit file. 
Thank you for your prompt attention to this matter. I expect your written response within 30 days, as required by the FCRA. 
Sincerely, ( Signature ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TN

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-11-10 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: TN

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-10 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
b'Dear Consumer Financial Protection Bureau,\n\nI am submitting this complaint regarding multiple credit card accounts that were fraudulently opened in my name without my knowledge or permission by my childrens father. I am currently in the process of taking legal action against him for identity theft.\n\nI have filed a police report and have proof of him admitting to opening these and other accounts not currently listed on my credit report. Despite reaching out to each of the creditors below to request removal of the fraudulent items, no corrective action has been taken.\n\nFraudulent Accounts:\n\t\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am requesting that the CFPB investigate this matter and ensure that these accounts are properly removed from my credit report and that the creditors are held accountable for failing to take action after receiving my disputes.\n\nI am prepared to provide the following supporting documents upon request:\n\t\tA copy of the police report\n\t\tProof of his admission to opening the accounts\n\t\tCredit reports reflecting the fraudulent accounts\n\t\tDispute letters and correspondence sent to the creditors\n\nPlease advise if additional documentation or verification is required.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
b'Dear Consumer Financial Protection Bureau,\n\nI am submitting this complaint regarding multiple credit card accounts that were fraudulently opened in my name without my knowledge or permission by my childrens father. I am currently in the process of taking legal action against him for identity theft.\n\nI have filed a police report and have proof of him admitting to opening these and other accounts not currently listed on my credit report. Despite reaching out to each of the creditors below to request removal of the fraudulent items, no corrective action has been taken.\n\nFraudulent AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX requesting that the CFPB investigate this matter and ensure that these accounts are properly removed from my credit report and that the creditors are held accountable for failing to take action after receiving my disputes.\n\nI am prepared to provide the following supporting documents upon request:\n\t\tA copy of the police report\n\t\tProof of his admission to opening the accounts\n\t\tCredit reports reflecting the fraudulent accounts\n\t\tDispute letters and correspondence sent to the creditors\n\nPlease advise if additional documentation or verification is required.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX, a law firm bought 3 of my collection debts, added them together and then sued me without giving me a court date and said it was through the sheriffs department at XXXX XXXX XXXX XXXX XXXX NJ. Which seems like a scam anyway. 
They also charged me about {$600.00} in sheriffs fees. They have been garnishing my wages since XX/XX/year>. It is almost paid off and they have not even updated the amount. I dont think its fair to charge me sheriffs fees when they took the time to file against me without fair hearing. I have paid the amount in collections but now seem to be paying the sheriffs fees. My checks have been garnished long enough and I paid my dues. The collections agency who it was originally through has been non stop calling me still, portfolio recovery. Do I take legal action against this sheriffs department?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation