vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I have had this credit card for awhile and I just found out about this website from a co-worker, and i was wondering if you can help me get my interest rate down and get money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AZ

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND DEPRESSED. I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I transferred funds from my XXXX account to my USAA account on the XXXX of XXXX. The funds were placed on a 7-day hold, and I was informed the first transfer for {$4000.00} would be released on the XXXX of XXXX, and the second transfer for {$5000.00}, which was initiated on the XXXX of XXXX, would be available on the XXXX. On the XXXX of XXXX my USAA account showed the funds being returned to XXXX with no explanation. I contacted the bank and initiated a dispute. The accounts person told me on the XXXX of XXXX my funds would be returned to my XXXX account the next day, they were not. I called again on the XXXX of XXXX and was told the funds were transferred that day. After the weekend I checked my account on Monday, the XXXX of XXXX and the funds were not in my XXXX account. No mention was made for the other {$5000.00} they also " misplaced ''. I still have not received my funds and it is causing a lot of hardship.

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 2025-09-08 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts and inquiries due to the national data breach and it is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing fraudulent accounts that appear on my credit report. These accounts are not mine, were never authorized, and are inaccurately reported. Their presence damages the accuracy of my report and unjustly harms my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
Day XXXX Final Notice Follow-Up ( Equifax ) XXXX XX/XX/XXXX, I submitted a complete FCRA 605B identity theft block package to Equifax. This included : FTC Identity Theft Report # XXXX, proof of identity, proof of current address, a signed non-ownership affidavit, and a list of fraudulent tradelines ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and others named in my FTC report ). 

Under 15 U.S.C. 1681c-2, Equifax was required to block fraudulent information within 4 business days. The statutory deadline is XX/XX/XXXX. Today is XX/XX/XXXX ( Day XXXX ). Equifax has not blocked the fraudulent tradelines or issued a 605B ( c ) exception notice. Instead, Equifax issued a stall response claiming they need more time, which is unlawful because no internal process overrides the 4-day statutory requirement.

My Equifax file still reports these fraudulent accounts with contradictory balances across CRAs and unlawful re-aging. This violates 607 ( b ) accuracy requirements and 611 reinvestigation standards.

Fraudulent tradelines must also be understood in the context of industry-wide negligence : Equifax XXXX Breach exposed identifiers of XXXX XXXX Americans ( SSNs, DOBs, drivers licenses, addresses ). 
XXXX XXXX XXXXXXXX ( disclosed XX/XX/XXXX ) exposed identifiers of XXXX XXXX Americans, including my SSN and DOB.

These breaches confirm my identifiers were compromised and fraudulent accounts are the foreseeable result. Equifaxs refusal to comply with 605B only compounds this systemic failure.

I am submitting this Day 3 Final Notice Follow-Up Letter as evidence. Attachments include : my FTC report, Equifax credit file, XXXX  breach notice ( XX/XX/XXXX ), and XXXX confirmations ( XX/XX/XXXX & XX/XX/XXXX ) showing disputes were not logged. 

I demand Equifax not only delete the fraudulent tradelines but also remove all hidden backend markers ( suppression codes, compliance condition codes, residual remark codes, archived derogatories ) that act as silent derogatories and continue to suppress scores even after surface deletion. Leaving these codes is equivalent to unlawful re-aging or reinsertion under 611 ( a ) ( 5 ). 

If Equifax fails to comply by XX/XX/XXXX, I will escalate with a Day XXXX Violation Complaint and pursue litigation. I will also subpoena CFPB portal logs, Equifaxs responses, and Equifax/CFPB communications to prove that I complied fully while Equifax failed to meet its statutory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC
State: FL

Complaint narrative:
There is a personal loan present on my credit report from credit ninja it says the balance is about {$1000.00} to my knowledge. No payments have been made on it. I know Ive never made a payment, but this loan is not of my doing. I have no knowledge of the loan, the origination of the loan or how the loan came to exist.

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 2025-09-08 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-09-08 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: TX

Complaint narrative:
I'm a homeowner in XXXX Texas and being financed by XXXX XXXXLoan care. I got a notice in the mail stating that I was {$7000.00} behind in taxes 2 months ago so I did the math. My records show I'm {$4000.00} undercharged but they don't want to look at my math which is based on what I ( paid in ) from XXXX + ( property tax ) XXXX + ( insurance ) XXXX. Everything i calculated is of official files yet they still went up {$900.00} a month on my payments. I've got all the supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI, XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Subject : Cease and Desist Communication Regarding Alleged Debt Account Number XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal notice that, pursuant to the Fair Debt Collection Practices Act ( 15 U.S. Code 1692c ( c ) ), I hereby demand that Midland Credit Management , Inc. cease all communication with me, whether by phone, mail, email, or any other form, regarding the alleged debt referenced above. 

I am exercising my right under federal law to request that you stop contacting me. Please be advised that failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and/or the Federal Trade Commission ( FTC ).

If you believe you are legally entitled to collect on this debt, you may take whatever legal action you deem necessary. However, you are prohibited from continuing to contact me directly unless it is to inform me that : You are terminating further efforts to collect the debt, or You are invoking specific legal remedies allowed by law. 

Let this letter serve as notice that any further communication from your office outside of the two exceptions listed above will be documented and may be used as evidence in a formal complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-08 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: TX

Complaint narrative:
I am formally requesting the correction and removal of the inaccurately reported late payment on my credit report. My records show a consistent history of on-time payments, and this negative entry is clearly erroneous. Allowing it to remain is misleading and damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Chapter XXXX Bankruptcy Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Chapter XXXX Bankruptcy Account name : XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SECURITY FINANCE CORP
State: NC

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX ( XXXX, NC ), financed through Professional Financial Service. 
I still owed {$13000.00} on my prior loan. The dealership promised to cover {$3500.00}, but instead rolled the entire {$13000.00} into my new loan. 
I also put {$5500.00} down at signing. 
The dealership placed me in a loan at 20.99 % interest, which was never clearly disclosed to me. 
My monthly payment is {$900.00}. After three on-time payments ( XXXX, XXXX, XX/XX/year> ), my loan balance has only decreased from {$33000.00} to {$32000.00}. 
Breakdown from the finance company shows : Month 1 : only {$50.00} applied to principal.

Month 2 : only {$100.00} applied to principal.

Month 3 : only {$240.00} applied to principal.

This loan is predatory, as almost none of my payments reduce the principal, trapping me in long-term debt.

I believe this violates the Truth in Lending Act ( TILA ) and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts and inquiries due to the national data breach and it is hindering my ability to obtain credit.

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 2025-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts and inquiries due to the national data breach and it is hindering my ability to obtain credit.

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 2025-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding a fraudulent XXXX transaction on my Chase account. Although I initiated this transfer, I was deceived by a scam and did not receive the goods/services promised. 

Transaction Details : Bank : Chase Transaction Date : XX/XX/year> Amount : {$25.00} Recipient Name/ID : XXXX XXXX Reference/Confirmation Number : XXXX At the time, I believed this transaction was legitimate. However, it has become clear that I was a victim of fraud. I have contacted Chase Claims Support to dispute the transaction, but I am seeking assistance from CFPB to ensure that this matter is investigated thoroughly and addressed appropriately. 

Please advise me on the next steps, and let me know if any additional documentation ( such as a police report or fraud affidavit ) is required. I am prepared to provide all supporting evidence to support this complaint. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely, An upset hard working Chase Card owner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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