vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. XXXX  has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
National credit systems was removed from all 3 credit reports I spoke with them and they advised they were going to add it back to my credit reports. I was a victim of identity theft as well as on XXXX with the military and never lived in the state of Georgia where this XXXX XXXXXXXX XXXX was supposedly rented in XX/XX/XXXX. I also am a homeowner in Arizona this is public record. I sent in XXXX a police report, a notarized ftc report, ID, utility bill my mortgage statement all to 3 credit reporting agencies and this was removed this has come back up when I applied for an apartment in Arizona as my work is 2 hours away from my home i need something closer to work I would like this inaccurate information deleted immediately from my credit file I am contacting XXXX and attorneys generals office as I can not see how this is legal to furnish inaccurate information. On page 3of the police report is the mentioning of the identity theft and the creditor national credit systems Ive attached my military orders as well. There is no way I could be XXXX to multiple countries on tour not the XXXX and obtain an apartment in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: NY

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 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
In XXXX 2025, Navy Federal Credit Union reported a 30-day late payment on one of my credit card accounts. At the time, I had enrolled in skip-a-payment on two other Navy Federal accounts and mistakenly believed this card was also included. This was an isolated oversight after more than 10 years of perfect on-time payment history.

As a result of this reporting, my credit score dropped by more than XXXX points, which has directly harmed my ability to obtain business financing. 

When I attempted to resolve this issue, I contacted Navy Federal and was transferred between five different agents before finally reaching a Collections Supervisor. During that call, I was repeatedly muted, my questions were not answered, and I was told simply to file a dispute. This response did not provide any resolution and left me without a path forward.

I am requesting that Navy Federal review how this account was coded in connection with its skip-a-payment program and correct or remove the negative reporting as appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
This complaint is in reference to a closed account that is still reporting from XXXX XXXX XXXX this situation has been tried to be rectified on several occasions directly with XXXX XXXX XXXX requesting proper documented proof, such as : Copies of the original retail installment sales contract or loan agreement. Complete monthly statements showing payments received and applied. Evidence supporting each delinquency they are reporting, The dispute report number from Experian.com is XXXX but the only thing i received is a summary of payments which is not efficient to 15 U.S.C . 1681s-2 The furnisher responded with a payment summary, but it does not include any original records, contracts, or documentation proving that the reported information is accurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a data furnisher is required to maintain accurate records and fully verify any information they provide to credit reporting agencies. A simple payment history printout is not sufficient verification I am requesting documented proof, such as : Copies of the original retail installment sales contract or loan agreement. Complete monthly statements showing payments received and applied. Evidence supporting each delinquency they are reporting. If the furnisher can not provide original documentation, then the information being reported is unverifiable and must be deleted from my credit report under the FCRA. I respectfully request that the CFPB direct the furnisher to produce this documentation or remove the account from all credit reporting agencies. Thank you for your attention to this matter. I look forward to a written response confirming that proper verification has been performed or that the unverifiable information has been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
This complaint is in reference to a closed account that is still reporting from XXXX XXXX XXXX this situation has been tried to be rectified on several occasions directly with XXXX XXXX XXXX requesting proper documented proof, such as : Copies of the original retail installment sales contract or loan agreement. Complete monthly statements showing payments received and applied. Evidence supporting each delinquency they are reporting, The dispute report number from Experian.com is XXXX but the only thing i received is a summary of payments which is not efficient to 15 U.S.C . 1681s-2 The furnisher responded with a payment summary, but it does not include any original records, contracts, or documentation proving that the reported information is accurate. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, a data furnisher is required to maintain accurate records and fully verify any information they provide to credit reporting agencies. A simple payment history printout is not sufficient verification I am requesting documented proof, such as : Copies of the original retail installment sales contract or loan agreement. Complete monthly statements showing payments received and applied. Evidence supporting each delinquency they are reporting. If the furnisher can not provide original documentation, then the information being reported is unverifiable and must be deleted from my credit report under the FCRA. I respectfully request that the CFPB direct the furnisher to produce this documentation or remove the account from all credit reporting agencies. Thank you for your attention to this matter. I look forward to a written response confirming that proper verification has been performed or that the unverifiable information has been deleted.

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 2025-09-04 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: MD

Complaint narrative:
I disputed the accuracy of a collection account reporting on my credit file with the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I submitted my dispute with clear requests for verification. Despite this, the CRAs returned the account as verified without producing any tangible proof of accuracy, such as : Monthly billing statements, A signed application/contract, A proper chain of title showing the current creditor.

This demonstrates that the CRAs did not conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). Their continued reporting of unverifiable information is causing harm to my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MD

Complaint narrative:
I disputed the accuracy of a collection account reporting on my credit file with the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I submitted my dispute with clear requests for verification. Despite this, the CRAs returned the account as verified without producing any tangible proof of accuracy, such as : Monthly billing statements, A signed application/contract, A proper chain of title showing the current creditor.

This demonstrates that the CRAs did not conduct a reasonable reinvestigation as required by FCRA 1681i ( a ) ( 1 ) ( A ). Their continued reporting of unverifiable information is causing harm to my creditworthiness and financial standing.

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 2025-09-05 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Re : Request for Information - Account # XXXX XXXX XXXX XXXX  XXXX To whom it may concern, I am writing regarding the above referenced accounts, which is reported on my credit file as charged off/ written off. 

I am requesting clarification regarding whether a 1099-c ( Cancellation of Debt ) has been reported to Transunion/Equifax/Experian for this account XXXX If such record exists, please provide me with the confirmation and any available details regarding the date of issuance. 

If no such record exists, please confirm that Transunion/Equifax/ Experian has not received a 1099-C filing for these accounts with XXXXXXXX XXXX XXXX XXXXXXXX I am entitled to accurate and complete information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Please send your response in writing to the address above. 

Thank you for your cooperation, Sincerely, XXXX XXXX XXXX DOB XX/XX/XXXX Last 4 SSN # 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 2025-09-05 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ).

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: ND

Complaint narrative:
Please review this late entryit might be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I discovered some instances of late payments on an account for which I have always maintained timely payments. consumer reporting agencies play a crucial role in accurately reporting consumer information. it is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account BARCLAYS BANK DELAWARE, ACCOUNT ENDING IN : XXXX. I request a thorough investigation into these discrepancies and remove any late payment.

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 2025-09-05 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 2025-09-04 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: TX

Complaint narrative:
XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To XXXX XXXX XXXX XXXX TransUnion , Equifax , Experian Date : XX/XX/XXXX Subject : Fraudulent Accounts Request for Immediate Removal Dear Sir or Madam, I am writing to formally dispute and request removal of the fraudulent accounts listed below from my credit reports. These accounts do not belong to me and represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
The following accounts should be deleted immediately : XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, Account # XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX  Under the FCRA ( 15 U.S.C. 1681 ), I am entitled to privacy, accuracy, and confidentiality regarding my personal information. The presence of these accounts violates those protections. Specifically : 15 U.S.C. 1681s-2 prohibits furnishing information known to be inaccurate.

15 U.S.C. 1681c limits the reporting of certain adverse information.

15 U.S.C. 1681b ( 604 ) requires that consumer reporting agencies have written instructions before furnishing reports.

If these accounts can not be fully verified as accurate and authorized by me, they must be deleted immediately as required by FCRA Sections 609 and 611.

Please consider this letter as my ocial notice of dispute. If you fail to respond or correct these inaccuracies within 30 days of receiving this letter, I will be forced to pursue further remedies, which may include legal action.

Thank you for your prompt attention to this matter. I have attached a copy of my ID for verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This company is violating my rights and haven't verified information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have a placed inaccurate information on my credit report. I have made many attempts with having this account removed from my credit report. This company is violating my consumer rights. I'm entitled to {$1000.00} per violation listed. They need to either pay me or delete this account immediately.

Company response to consumer: Closed with explanation