vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following information on my TransUnion credit report. I believe these entries are inaccurate and should be corrected : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00}. This account is not reported accurately, and I request an investigation into the details. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$220.00}. This account is also reported incorrectly, and I request a review for accuracy. 

Inquiries : XXXX, XX/XX/XXXX. This inquiry was unauthorized, and I request verification of its legitimacy. 

Late Payment : XXXX, XXXX XXXX XXXX XXXX XXXX. I believe this late payment is inaccurately reported, and I request an investigation to verify this entry.

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 2025-11-20 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: GA

Complaint narrative:
This information inaccurately portrays my financial history. Kindly review and correct the record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: SC

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

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-11-20 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: SC

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

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Information Consumer Name : XXXX XXXX XXXX Consumer Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX To Whom It May Concern : I am writing to formally dispute inaccurate and incomplete information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I recently reviewed my credit file from your agency and identified the following item ( s ) as erroneous. I have listed the specific item, the reason for my dispute, and the requested action. 
Disputed Item 1 : XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 

Reason for Dispute : I have never had an account with this creditor. 
Required Action : I request that this item be deleted in its entirety from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-20 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXX : {$240.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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 a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX Balance : {$22000.00}, XXXX XXXX XXXX XXXX : {$240.00}

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 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: TX

Complaint narrative:
Ive always had a cash app card and Ive been a very good customer and still am through Cash App and I tried to order my new Cash App card about a year ago and it has told me the same thing for the last 12 months that an unexpected error has occurred. Please try again later so when I put in a complaint to the company, they tell me they dont know why its not letting me update my address which Ive done all that logout log back in which Ive done all that they cant give me answers to why I can not get a card, but I use Cash app for everything. I have tried to reach out to the company. I have not been able to speak to a person. I filed a complaint about a year ago for a dispute on money that was taken out of my account and ever since then they have refused to give me a card which they never gave me my money back for the dispute, which somebody did take money out of my account. Nobody got back to me. All I get is a bunch of runaround then when they gave me a XXXX XXXX number through the chat email I called the XXXX XXXX number and its not even Cash App. Its some automated service and then it wouldnt let me call or put me through to anybody then when I tried to call her back and told me this number could not be reached so then when I emailed them back, they told me that they dont know whats going on so then I asked to speak to a supervisor manager they told me that somebody will email me and get back with me. Nobody has emailed me. Nobody has gotten back to me. I need help all Im trying to do is get my cash app card and figure out why theyve been so rude on this one dispute that I needed my money back for at this point I dont even care about the dispute. I just want my cash app card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
These accounts have no association with me ; they must be erased in 15 days under USC 1681g.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a call from my brother stating that a debt collector was looking for me. He wrote down all the details they had given him, and they notified him that this was a pre-legal notification and that they needed a statement of intent. I have no idea how they would have received my brother 's cell phone number, as I did not give it out. Also, I have no letters from them that I'm aware of. As far as I can tell, I went through my voicemails, and I do not have any voicemails from this company. I'm extremely frustrated that they would reach out to family and give out information like this without me even knowing what they're after. I've even checked my credit report just to see if there was something on there from this organization, which there is not. There's nothing in collections on my credit report from this organization that I can tell. I've checked XXXX, and it did not show anything from this company. I feel like this is harassment. The company is Atlantic Recovery Solutions ; they gave a, File # XXXX, and a phone number, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I filed a formal and immediate appeal regarding the bank 's denial of fraud Claim on an unauthorized transactions that occurred on XX/XX/year>. I unequivocally maintain that the transaction in question was unauthorized and initiated without my knowledge or consent. The Banks immediate response was closing the account and issuing a temporary number. That confirms that the bank XXXX department recognized the account was compromised on that exact date. The transaction that was posted as part of this fraud incident was XXXX ( XXXX XXXX XXXX XXXX ) for {$1300.00} was denied by the bank. The denial of the {$1300.00} XXXX payment based on a lack of documentation is inconsistent with the bank 's acknowledgement of the larger fraud event and is based on a flawed premise. 
I have no existing, pending, or historical reason to make {$1300.00} payment for an Austrialian visa application status. It was not authorized by me. 
The bank 's immediate account closure and the reversal of the other XXXX high value charges are, in themselves, sufficient evidence that the account was compromised and subject to fraud on XX/XX/year>. Denying XXXX part of a confirmed fraud event while reversing the others is unjustified. 
I requested the bank to re open and thoroughly re-investigate this matter considering the entirety of the confirmed fraud event and ask to reverse the initial decision and credit the fraudulent amount of {$1300.00} back to my account.

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 monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am submitting this complaint because Navy Federal Credit Union ( NFCU ) failed to properly investigate a clearly unauthorized credit card transaction that occurred while I was traveling internationally. 

On XX/XX/2025, I attempted to make a purchase at XXXX XXXX XXXX XXXX. My Navy Federal credit card repeatedly declined due to what appeared to be technical issues on Navy Federals end. No transaction was completed, no authorization was given, and I physically left the store with my card still in my possession after all attempts failed. 

After I had already left the store, XXXX XXXX retained my credit card information and later processed an unauthorized transaction for XXXX  XXXX ( posted as USD {$6100.00} ). I did not authorize this amount or any purchase. I did not sign, approve, or consent to any charge. This was done without my presence and without permission. This constitutes unauthorized use and merchant misconduct. 

I discovered the charge on XX/XX/2025 and immediately disputed it with Navy Federal on XX/XX/2025. I provided a timeline, screenshots of the charge, and a written explanation stating that I never approved or completed a transaction at that merchant. Despite this, Navy Federal closed the claim on XX/XX/2025, statingwithout providing any supporting documentationthat a billing error did not occur. 

Navy Federal did not provide any merchant receipts, authorization records, XXXX logs, or verification to justify their decision. They did not demonstrate a reasonable investigation. They also reinstated the charge and billed me for the full amount, even while the investigation was still active. This violates the Truth in Lending Act ( TILA ) and Regulation Z requirements for handling billing errors and unauthorized transactions. 

This unauthorized charge is the result of the merchant using my credit card information after I left the store, and Navy Federal refused to follow federal law when reviewing the dispute.

I am requesting CFPB assistance because Navy Federal failed to conduct a lawful, complete, and reasonable investigation as required.

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 2025-11-20 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: OR

Complaint narrative:
Im beyond frustrated with the continued presence of false, damaging information on my Experian credit report. These aren't minor oversights or accidental typosthey are substantial and harmful misrepresentations that continue to sabotage my financial progress and personal stability. Ive gone through the formal dispute process in good faith, hoping the issues would be corrected responsibly, only to be met with silence and negligence. The failure to properly investigate and resolve these errors has left me feeling ignored, disrespected, and financially punished for mistakes I did not make. As a consumer, I have a legal right under the Fair Credit Reporting Act to a credit file that is completely accurate and substantiated by real, verifiable documentation. It is not my job to chase down proofIve done my part.

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 2025-11-20 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
During the loan process for my FHA 203 ( k ) home renovation loan, both loan officers XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX  repeatedly informed me that I would not have to make mortgage payments during the renovation period ( for up to six months, depending on repair completion ). I relied on these assurances when agreeing to the loan. 

Despite this, XXXX XXXX XXXX  sold my loan to Carrington Mortgage Services without providing prior written notice, which is illegal under RESPA. I only learned of the transfer when I received a mortgage statement from Carrington showing a payment due XX/XX/year>, which directly contradicts the terms I was given and does not provide the financial preparation time I was promised. 

Additional issues include : The down payment amount increased at closing without prior notice The interest rate changed without market justification Closing was delayed by approximately three months, causing financial hardship Collectively, these reflect misrepresentation and poor communication by the originating lender. 

I contacted Carrington Mortgage Services. They stated the matter is under investigation, but they will not place a payment hold during that investigation. They offered forbearance, but said it takes 30 days to review and that my XX/XX/XXXX payment would still be due, which would harm my credit. A Carrington representative stated that in every XXXX ( k ) loan they service, borrowers do not make payments during renovations, but she could not update the flag status on my account. 

Additionally, the renovation amount and final mortgage balance can not be accurately calculated until the work is complete, making the current due date and payment amount incorrect. 

Requested Resolution : I request that Carrington Mortgage Services honor the deferred-payment terms represented by XXXX XXXX XXXX and adjust my account so that mortgage payments begin only after renovations are complete and the XXXX ( k ) escrow totals are finalized. 

If Carrington is unwilling to defer or pause payments during renovations, then I request the ability to stop all renovations immediately so my mortgage amount can be recalculated and rewritten at a lower balance, reflecting the removal of renovation costs from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
I am disputing the following accounts as reported on my TransUnion credit report : Charged Off Accounts XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$750.00} Late Payments XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief