vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-11 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

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 2025-09-11 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: IL

Complaint narrative:
I AM DEMANDING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, AS THEY WERE NEVER AUTHORIZED AND THEIR CONTINUED REPORTING IS A CLEAR VIOLATION OF MY FEDERALLY PROTECTED RIGHTS UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681I ). DESPITE MONTHS OF DISPUTES AND THE SUBMISSION OF AN FTC IDENTITY THEFT REPORT, THESE FALSE ENTRIES REMAIN, WHICH IS UNLAWFUL. ENCLOSED IS AN INVOICE FOR {$1000.00} FOR THIS VIOLATION, AND IF NOT RESOLVED IMMEDIATELY, I WILL FILE SUIT IN SMALL CLAIMS COURT IN MY CITY AND STATE TO RECOVER DAMAGES. BE ADVISED THAT LATE FEES OF {$1000.00} PER DAY WILL ACCRUE FOR EACH DAY PAYMENT IS DELAYED. I EXPECT IMMEDIATE CORRECTIVE ACTION AND PERMANENT DELETION OF THESE ACCOUNTS 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 explanation
Consumer complaint received 2025-09-11 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 am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-11 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: AZ

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I have been experiencing overdraft fee abuses with Navy Federal Credit Union since XXXX. The credit union routinely shows one balance at the time of purchase, then changes the transaction or posting date later, creating false overdrafts. For example, on XX/XX/XXXX I made a {$300.00} XXXX purchase. My account balance was sufficient at the time, but the credit union later recorded the transaction as XX/XX/XXXX and posted it on XX/XX/XXXX, which caused an overdraft fee. 
I have also experienced : - Duplicate debits, where my available balance is reduced at authorization and again at posting.- ACH bill payments delayed in posting ( e.g., XXXX XXXX XXXX XX/XX/XXXX ), most recent post dated. The past post dated causing returned payments and leaving my household permanently ' a month behind ' on utilities.- Internal transfers from savings to checking shown immediately in my balance but not applied when pending transactions settled, causing phantom overdrafts. 
I called Navy Federal credit union on XXXX XXXX to question these charges but was told the balances and fees were correct. The original over draft balance was : {$310.00}. While speaking with a representative on that call she confirmed it was the XXXX purchase that sent the account into overdraft. I called today at XXXX XXXX and spoke with another representative who claims different charges as the source of the new overdraft balance of - {$270.00}. I have requested for transaction authorization records. I was informed that only visa could access those records. 
I believe these practices are unfair and deceptive under Regulation E and consumer protection laws. I am requesting a full investigation, a refund of all wrongful fees, and enforcement action to prevent these practices from continuing for myself and other members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
An account was fraudulently opened in my name using my Social Security number without my knowledge or authorization. I did not apply for, authorize, or open this account. 

I discovered the issue on XX/XX/year> when I opened a bank account online and called in to set up online banking. I was transferred to the fraud department, and they explained that there was already an account attached to my Social Security number with a different first name but the same last name. They told me they would submit an identity theft claim with their recovery team and advised me to also submit a claim with the Federal Trade Commission ( FTC ). 

I was not provided with any information about when the fraudulent account was opened or the account number. 

This is a case of identity theft. I am requesting that the fraudulent account be closed immediately, that all related activity be removed from my records, and that I be provided written confirmation of these actions. I should not be held responsible for any transactions or activity related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 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: SC

Complaint narrative:
I have an account that is still showing on my credit report that was removed and then reinserted. This account should not have been reinserted, and I am requesting that it is removed. This account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to follow up my dispute regarding the inaccurate reporting of the following account on my Equifax, Transunion, and Experian credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  {$2000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$7900.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/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
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am disputing the late payment that appears on my credit report, as it is not accurate and does not reflect my actual payment history. This entry unfairly misrepresents my record and negatively impacts my credit rating.

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 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony bank is allegedly claiming they sent out a mail and email 3 month ago informing they would force an upgrade on PayPal accounts ( online ) to a physical credit card. The mail has not been received, not the emails with notifications. Thus, I was not able to opt out of their so upgrade process. When called to inform I did not request any credit cards and would not at any circumstances accept to have my balance automatically transferred I was informed I did not have an option but to either stay with the unsolicited credit card or close the account that would require full balance payment and which would also close my previous PayPal account ( which is still open as debit card ). They have directly violated my right of choice by implying I can not go back to my previous account and not giving me the right of a choice. After speaking with the Credit card line at Synchrony bank they attempted to offer me a XXXX XXXX XXXX to de-escalate the complaint instead of providing me the choice. This company does not have the right to force me to stay with a credit card I have not requested and have not received notifications that would be upgraded. At no time in the past 3 months I did agree nor indicated agreement with their forced upgrade. I need them to properly respect my right of choice and transfer my balance back to where it was. I am not seeking their manipulative answers and will not accept to keep a product that I did not request nor agreed to have. This is a free country and my rights needs to be respected accordingly. This financial institution can not at any circumstances manipulate the population lives at their financial gain.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Today, I logged online to review information in my accounts and noticed the XXXX  account for my uncle was not showing the balance. When I checked it, it said 'account closure-check requested '. I called immediately and asked 1. What was going on, 2. Why, and 3. To have it corrected. The agent I spoke with stated that there was no signature card on the account, to which I pointed out all of the messages from the bank from May of this year until today, XX/XX/year> do not request anything of the account ( other than the EIN, which was provided ), otherwise it would have been completed, just as the opening of the account had been done through the " document center ''. Both the representative and I saw the same information, that USAA negligently did not send the request to the document center to be completed. 

The agent transferred me to a " resolution center '' that said it was snail-mailed to my home address. This address I am not at, as I am taking care of the estate affairs on the other side of the country, and I reminded them that in the over 12 years I had been a member, all items had been completed via the document center. All items are paperless for a reason, and that USAA was negligent in not notifying through the document center as it should have. I requested to speak to their manager, and they hung up on me. This is a serious issue, as this is an account with high scrutiny from the courts that requires recordkeeping and documentation, of which USAA failed to provide. 
Also, the agent lied and stated that no documents could be in the document center for this account, even though, again, the account was opened through the document center, and the statements do show up in the document center ( as well as the W9 request for this account- yet no signature card, which is very suspicious ). Further proving negligent behavior on USAA 's 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