vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
XXXX stole XXXX plus change on the XXXX of XX/XX/year>. Schwab credited the amount. Schwab made me fill out a form to which i sent it online via email. Schwab said i had written down the date wrong. I got sick thanks to an exploded lithium ion battery to which almost burned my apt down and couldve killed me and my parents and XXXX brother. I'm also XXXX. I have XXXX and possible XXXX which doctore refuse to diagnose me with despite being denied XXXX XXXX. I have to go to the hospital but couldnt as i was having XXXX XXXX  every few minutes for hours on end. The carpet got burned. I inhaled most of the smoke. Schwab got the photo of the burnt remains but ignored it and instead in its wake, reversed the credit XXXX  took without consent. Then Schwab put my closed account in the negatives. Then charged me over XXXX usd to XXXX it out WITHOUT notifying me. The rep told me, before this happened, to leave my negative standing account. I had to call up Schwab Monday morning to explain they had no right to do so. I had no reason to pay for their mistakes and countless ignored emails. What they did was illegal. They want to steal my money and leave me in XXXX. They offered to return my money after an unsaid amount of time. I told them yes plus the money they stole from me when they made my closed account in negatives. They wanted to refuse at first. But I pushed them into saying it as it was a recorded conversation. They have to return my money and not scam me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve issues related to my credit report. I have identified the following accounts that are in dispute and request your assistance in investigating and correcting the information provided. Please find the details separated by bureau : Charged Off : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} Late Payments : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX - Account 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 2025-11-12 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: CA

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 2025-11-12 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-12 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-12 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: IL

Complaint narrative:
I am writing to formally dispute the information being reported on my EXPERIAN credit report regarding the above-referenced account with XXXX XXXX XXXX XXXX Specifically, I am challenging the reported late payments for XX/XX/XXXX and XX/XX/XXXX. 

As the account holder, I have never been late in making my payments. The information reported is inaccurate and does not reflect the true payment history of this account. I have already made several attempts to resolve this issue directly with XXXX XXXX XXXX, but unfortunately, they have failed to respond to my communication or correct the errors Ive raised regarding these late payments. 

Additionally, I would like to highlight the following issues that require correction : The monthly payment amount was changed from {$2200.00} to {$2400.00}, but I was never made aware of this adjustment. I dispute any implication that I missed a payment due to this unnotified change in the payment terms. 

The XXXX XXXX XXXXf the debt has already been paid, and I should not be marked as XXXX days late on the account, as the reported payment history does not accurately reflect my account activity or intentions.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX Tx. 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 2025-11-12 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.\n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The tax appraisal district said the mail man told them I moved so they charged me taxes last year and this year. I proved I have not moved and that I have not had a break in my XXXX and have been fighting this for XXXX months the have the corrected information and is still reporting in error. I have never been XXXX  days late at all. I am getting notices of foreclosure for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The tax appraisal district said the mail man told them I moved so they charged me taxes last year and this year. I proved I have not moved and that I have not had a break in my XXXX and have been fighting this for XXXX months the have the corrected information and is still reporting in error. I have never been XXXX  days late at all. I am getting notices of foreclosure for no reason.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I initiated a wire transfer through Navy Federal Credit Union on XX/XX/year> of an amount of {$3400.00}, which was routed through XXXX XXXX Bank as the intermediary to XXXX Bank XXXX ( GCBGHAC ) in XXXX. 

After my partner confirmed that no funds were received, I visited my local XXXX XXXX branch twice and called the wire department multiple times seeking assistancelong before Navy Federal even sent the first status inquiry on XX/XX/XXXX. 

Despite my repeated follow-ups, Navy Federal only initiated a recall request on XX/XX/XXXX, with additional escalations on XX/XX/XXXX and XX/XX/XXXX, yet there has still been no confirmation or acknowledgment from the intermediary or receiving bank. 

I have obtained the SWIFT wire report confirming that XXXX XXXX processed the payment ( XXXX : XXXX ), but neither XXXX Federal nor XXXX XXXX has provided a clear update , recall acknowledgment, or communication from XXXX Bank XXXX. 

It has now been over XXXX weeks since the wire was sent, and there has been no resolution or transparency. I am requesting the XXXX assistance to ensure Navy Federal coordinates directly with XXXX XXXX XXXX XXXX Department, confirms the recall status via XXXX, and provides a formal written update or recovery of the funds. 
I have attached written correspondence between myself and navy federal

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

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 2025-11-12 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

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 2025-11-12 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: VA

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my authorization. These accounts include charge-offs and collections from multiple furnishers and debt buyers. Despite my prior disputes, the credit reporting agencies have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), which requires blocking of identity-theft-related information within XXXX ( XXXX ) business days of receiving proper notice. 

I previously filed a CFPB complaint identifying the fraudulent accounts, but at that time I did not submit a sworn statement. I am now submitting this sworn statement pursuant to 28 U.S.C. 1746 to formally declare under penalty of perjury that the following accounts are fraudulent and unauthorized : XXXX  XXXX XXXX {$9200.00} ( Charged Off ) XXXX XXXX  {$460.00} ( Charged Off ) XXXX XXXX XXXX XXXX XXXX  {$490.00} ( Charged Off ; sold to XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ( Collections ; original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} ( Collections ; original creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Credit Card ( Relationship Terminated ) Due to the federal government shutdown, I was unable to obtain an FTC Identity Theft Report or police affidavit. Nevertheless, under FCRA 605B and 603 ( q ), a consumer 's sworn statement constitutes an identity theft report sufficient to trigger the blocking requirement. The credit bureaus and furnishers have continued to report false data in violation of 1681s-2 ( a ) ( 6 ) ( B ), and the bureaus have failed to conduct a reasonable reinvestigation under 1681i ( a ) XXXXI previously filed CFPB complaints with each of the XXXX major credit reporting agencies regarding these fraudulent accounts. These complaints are : XXXX  ( Complaint ID : XXXX, Status : Open, Sent to Company ), XXXX ( Complaint ID : XXXX, Status : Open, Sent to Company ), and Equifax, XXXX ( XXXX ID XXXX XXXX, Status : Open, Sent to Company ). Despite these formal complaints being sent to the companies, the credit reporting agencies have failed to block the fraudulent accounts as required under FCRA 605B. This continued failure to comply with federal law after receiving proper notice through official CFPB channels demonstrates willful non-compliance and necessitates enforcement action to protect my rights as a victim of identity theft.

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 2025-11-12 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:
This is a follow-up complaint regarding Transunion '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. Transunion 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 Transunion to potential regulatory and civil liability.

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