vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following entries on my TransUnion credit report. These items are inaccurate, and I believe they do not reflect the correct status of my credit : Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment : XXXX  XXXX Account Number : 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 2025-11-24 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:
This correspondence is intended as my formal objection to the listed accounts. I did not approve or establish them and have no affiliation with them. I request immediate removal and proper review. Documentation accompanies this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal closed my checking account before my fraud investigation was completed. I filed a Regulation E claim for a {$500.00} unauthorized ATM withdrawal. After completing the investigation, Navy Federal determined the transaction was unauthorized, made the provisional credit permanent, and confirmed that I was the victim of fraud. 

Despite ruling in my favor, Navy Federal deposited the recovered funds into my savings account but continued to keep all access to my accounts restricted based on an outdated internal code from before the fraud case was resolved. I can not withdraw, transfer, or access my own funds, and they will not issue a debit card or allow external transfers. My money is trapped in an account Navy Federal will not let me use. I have also been restricted from entering banks or contacting them by phone for an illogical reason. 

When I asked for my account to be corrected, Navy Federal repeatedly sent the same scripted message claiming my account was sent to Conserve for collection. This is factually incorrect. I owe Navy Federal nothing. The bank suffered no loss. The fraud was confirmed in my favor, and the permanent credit has already been issued. There is no debt. The collections status appears to be an internal error, but it is preventing me from accessing funds that are legally mine. 

I also requested the documentation used in the investigation as required by Regulation E ( 12 CFR 1005.11 ), and Navy Federal refused to provide it.

Navy Federal is violating Regulation E by restricting access to funds after determining the transaction was unauthorized. They have also failed to provide required investigation documentation and are misclassifying my account as being in collections when no debt exists. 

I am requesting CFPB assistance to require Navy Federal to : Remove the false collections/charge-off coding Restore normal access to my accounts Reopen my checking account Issue a debit card or enable external transfers so I can withdraw my funds Provide the required Reg E investigation documentation Correct all internal errors related to this case Navy Federal has acknowledged that these funds belong to me, yet they are refusing to release them and refusing to correct their own error. I need intervention so I can access my own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 a victim of identity theft. I let Experian, Equifax, transition know about this attached a police report and etc report for identity theft and they continue to still report these fraud accounts and information on my report when it does not belong to me. EXPERIAN, EQUIFAX AND TRANSUNION IS BREAKING THE LAW BY REPORTING THESE IDENTITY THEFT INFORMATION. THIS COULD HAVE HAPPENED FROM THEIR BREACH AS WELL MY INFORMATION COULD HAVE BEEN STOLEN FROM THEIR DATA BASE

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 2025-11-24 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 victim of identity theft. I let Experian, Equifax, transition know about this attached a police report and etc report for identity theft and they continue to still report these fraud accounts and information on my report when it does not belong to me. EXPERIAN, EQUIFAX AND TRANSUNION IS BREAKING THE LAW BY REPORTING THESE IDENTITY THEFT INFORMATION. THIS COULD HAVE HAPPENED FROM THEIR BREACH AS WELL MY INFORMATION COULD HAVE BEEN STOLEN FROM THEIR DATA BASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, because the CFPB website is the only platform where I can receive any answer from Amex, I'm asking again for Amex to send me a statement about a debt they are trying to collect from me. I've exhausted all ways to do so : sent them police reports, an explanation letter, an FTC report, etc.

The Card was stolen in the mail ( proven by police twice ), and I've never received or used it. I need a clear letter from Amex on WHERE, WHEN these charges/transactions happened. They are trying to collect a debt I have no idea from where... There were charges in the states I've never been to + hotel/car services require ID ..., the problem is... I do not drive. I understand that Amex hires intellectually low-IQ people, but can I finally have a clear answer to how the debt happened? When? How can I be in two places at the same time? Or how can I drive a car w/o a licence in Oklahoma while I'm in an office in New York ? I also have never been in any hotels in the XXXX this year. Who was there? Dear XXXX, I get that you're not well and repeat the same generic XXXX replies, but try to answer these questions, please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

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 XXXX 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 you have 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 XXXX  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 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding XXXX 2022 XXXX XXXX XXXX XXXX vehicles that were previously financed under my business operations. Both vehicles have been reported inaccurately, incompletely, and with unverifiable information to the credit reporting agencies. 

My trucking business collapsed during the 2022 industry downturn, and the vehicles were returned. However, XXXX XXXX XXXX has continued furnishing derogatory information that is not accurate, not properly validated, and not consistent across the bureaus. They have also failed to provide proper documentation supporting the balances, dates, and status of these accounts. 

The reporting on these XXXX accounts includes : inconsistent balance and charge-off amounts incorrect dates of delinquency conflicting status codes missing itemization of how the final balances were calculated no documentation supporting any deficiency balance no evidence that the reporting meets FCRA accuracy standards I have requested verification of these accounts under FCRA 623 and have received no documentation proving the amount owed, the basis for the reporting, or the legitimacy of the derogatory information. 

The credit bureaus continue to report data that XXXX has not validated and can not prove. This has caused severe injury to my credit, including preventing me from qualifying for a mortgage, even though I am a XXXX XXXX earning over {$300000.00} annually. 

I believe XXXX XXXX XXXX is furnishing inaccurate, unverifiable, and incomplete information in violation of : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 2 ) FCRA 623 ( a ) ( 3 ) FCRA 607 ( b ) I am requesting immediate investigation into this matter and correction or deletion of all inaccurate 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
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
XXXX accounts were opened on XX/XX/year> XXXX account was XXXX the other one showed a balance of XXXX. I have no knowledge of opening accounts. Both are in collections. Both collections are owned by transworld systems inc. the original creditor is reliant energy retail service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
b'I am filing this complaint because Experian continues to report several charged-off accounts that show a zero balance. This reporting appears inaccurate and misleading, as it implies a negative credit event even though the debts have been resolved, closed, or transferred. Under the Fair Credit Reporting Act (FCRA) 607(B) and 611(a), Experian is required to maintain maximum possible accuracy and delete unverifiable or outdated information.\n\nAdditionally, there are multiple hard inquiries listed on my Experian report that I do not recognize or recall authorizing. I am requesting that Experian conduct a full reinvestigation of these accounts and inquiries, verify them directly with the furnishers, and delete any items that cannot be substantiated with proper documentation or consumer authorization.\n\nCharged-Off Accounts in Dispute\nAccount Name\tAccount Number\tDate Opened\tReported BalanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRequest:\nPlease delete any unverifiable charged-off accounts or unauthorized inquiries. Provide written proof of investigation results and an updated 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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
gave XXXX of my kids a secondary card on account, requested that they set a limit and they said no. credit line XXXX dollars, XXXX dollars was charged XXXX by my son. XXXX was previous balance. so why did they approve those charges without notifying me is my question. 75 % over credit limit. Bank of America issued CC. thank You for your help in adavnce.

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 2025-11-24 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:
I have no charged-off accounts being disputed on my TransUnion credit report. 

Inquiries : XXXX XXXX Date of Inquiry : XX/XX/year> XXXXXXXX XXXX Date of Inquiry : XX/XX/year> Please provide a complete verification of these inquiries, as I do not recall authorizing them. 

Positive Accounts : No positive accounts are being disputed for TransUnion. 

Late Payments : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I request an investigation into the late payment entries to confirm their accuracy, as they may not reflect my actual payment history.

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 2025-11-24 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: CO

Complaint narrative:
I am submitting this statement as part of my CFPB complaint to dispute inaccurate information on my Experian credit report. I am simply trying to repair my credit and request a lawful investigation under the FCRA. 

Charged-Off Accounts Under Dispute I believe the following charged-off accounts may be inaccurate or not properly verified. I request validation or removal : XXXX Account XXXX ( XX/XX/year> ), reported balance {$180.00} XXXX Account XXXX ( XX/XX/year> ), reported balance {$8600.00} Late Payments Under Dispute These accounts are reporting late payments that I do not recognize or believe are accurate. Please verify all payment history or update/remove any unverifiable information : XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request that Experian conduct a complete investigation and provide documentation supporting each disputed entry. If verification can not be provided, the information should be corrected or deleted as required by the FCRA.

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 2025-11-24 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: NJ

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 explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am disputing the following accounts because the information does not match my records or is reported inaccurately. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$15000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
I am filing a formal dispute with Equifax regarding the following charged-off accounts that I believe to be inaccurately reported or incomplete : XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XXXX, XX/XX/XXXX, Balance : {$3.00} LATE PAYMENT I am filing a dispute with Equifax regarding the following late payments that may have been inaccurately reported or are incomplete : XXXX XXXXXXXX, Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX, Account Number : XXXX DEPTEDXXXX  Account Number : XXXX DEPTEXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX DEPTEDXXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief