vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXXB ( XXXX U.S.C. 
XXXXc-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 non-monetary relief
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal 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 2025-06-16 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: VA

Complaint narrative:
I am formally disputing the presence of unverified and unsubstantiated information on my credit report. This includes violations of the Fair Credit Reporting Act ( FCRA ) and non-compliance with Metro 2 data field reporting standards. Any account or item reporting derogatory or delinquent information must be supported by documented evidence that is accurate, complete, and fully compliant with federal and state law. 

I demand that you provide tangible, verifiable documentation proving the accuracy and permissible purpose of each item listed below. If such evidence can not be produced, you are required to DELETE the item from my credit file and send me written confirmation along with an updated copy of my report. 

The following Personal Information is inaccurate and must be deleted : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, VA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Incorrect Name : XXXX XXXX Incorrect Date of Birth : XXXX Employer : XXXX XXXX XXXX Employer : XXXX INVESTMENTS XXXX Incorrect Current Address : XXXX XXXXXXXX XXXX, XXXX, VA XXXX The following Accounts must be investigated and deleted if unverifiable : XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following Collection account must be removed : XXXX XXXX The following Inquiries are unauthorized and must be deleted : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These items must be verified with original documentation or deleted within 30 days, as required by the FCRA. Reporting unverifiable or inaccurate data is a violation of my consumer rights. I request your immediate attention to this matter and expect a mailed response confirming the results of your investigation, along with an updated copy of my credit report. 

Thank you for your cooperation

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 2025-06-16 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: VA

Complaint narrative:
I am formally disputing the presence of unverified and unsubstantiated information on my credit report. This includes violations of the Fair Credit Reporting Act ( FCRA ) and non-compliance with Metro 2 data field reporting standards. Any account or item reporting derogatory or delinquent information must be supported by documented evidence that is accurate, complete, and fully compliant with federal and state law. 

I demand that you provide tangible, verifiable documentation proving the accuracy and permissible purpose of each item listed below. If such evidence can not be produced, you are required to DELETE the item from my credit file and send me written confirmation along with an updated copy of my report. 

The following Personal Information is inaccurate and must be deleted : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, VA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Incorrect Name : XXXX XXXX Incorrect Date of Birth : XXXX Employer : XXXX XXXX XXXX Employer : XXXX INVESTMENTS XXXX Incorrect Current Address : XXXX XXXXXXXX XXXX, XXXX, VA XXXX The following Accounts must be investigated and deleted if unverifiable : XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following Collection account must be removed : XXXX XXXX The following Inquiries are unauthorized and must be deleted : XXXX XXXX XXXXXXXX XXXX XXXX XXXX These items must be verified with original documentation or deleted within 30 days, as required by the FCRA. Reporting unverifiable or inaccurate data is a violation of my consumer rights. I request your immediate attention to this matter and expect a mailed response confirming the results of your investigation, along with an updated copy of my credit report. 

Thank you for your cooperation

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 2025-06-16 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX & TransUnion credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-06-16 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: GA

Complaint narrative:
On XX/XX/XXXX, I made a {$1000.00} payment using my Navy Federal debit card to XXXX XXXX XXXX. The payment processed fully at that time, and my account balance reflected the deduction. 

However, Navy Federal later dropped the transaction without notifying me. There is no ledger record of the hold expiring or the money being returned. Then, on XX/XX/XXXX, Navy Federal posted the charge again, backdated with a transaction date of XX/XX/XXXX making it appear as if the transaction had never been removed. 

Meanwhile, XXXX has confirmed in writing that they finalized the transaction on XX/XX/XXXX, not XX/XX/XXXX. They also issued two refunds on XX/XX/XXXX and XX/XX/XXXX, which posted successfully to my account before the original charge was ever shown or posted. I was never notified that the original charge was dropped, nor was there any transparency in my transaction history to reflect the expiration or reappearance of the charge. 

I contacted Navy Federal multiple times. The representatives confirmed that : The original XX/XX/XXXX authorization was allowed to expire after 3 business days. 
The final transaction did not post until XX/XX/XXXX. 
There is no way for them to show me when the hold was released or when the refund happened other than the current transaction list, which lacks any record of the reversal or pending period. 

The rep also said it was possible for refunds to occur before the transaction posts, but this only highlights the lack of transparency in Navy Federals transaction logging. I was left unable to reconcile my account, and my balance was thrown off, leading to my account being overdrawn.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX. Social : XXXX. DOB : XX/XX/year>. Partial account number XXXX. Your company is attempting to collect a debt. I dispute that debt and refuse to pay it. Any prior authorization you may have had to call me is hereby revoked. In addition, my employer prohibits me from receiving your communications at work. This account is beyond the statute of limitations ; its a time-barred debt. This account does not belong to me. Additionally, I filed a dispute with the consumer reporting agencies as NOT MINE. Moreover, I called PROCOLLECT INC, on XXXX, on or around XXXX XXXX  PDT. I experienced three ( 3 ) rude and unprofessional employees. The first female XXXX transferred me without my knowledge or consent. The second employee was a manager named XXXX XXXX who falsely stated this is a true and valid debt. Before he knew what I was going to say. He counterquestioned my questions and was pugnacious. He then deliberately and willfully disconnected the call. All he wanted was money. I then called back and got a female using the name XXXX XXXX. She counterquestioned my question, refused to get a supervisor upon request, then she also deliberately and willfully disconnected the call on me while I was speaking. Please note : I never used profanity or inappropriate language. I called back and got a 4th manager who overspoke, interrupted, and then disconnected the call while I was speaking. This is not a one-time isolated event. This is a pattern and practice of, among other things, debt harassment.

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 2025-06-16 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: WI

Complaint narrative:
XXXX XXXX  XXXX hard pull shows on credit report. I used the companies soft pull options to check for product availability. The company used a hard pull to check for options. I never agreed to a hard pull. The company must remove the hard pull inquiry from my Transunion Equifax Experian credit files.

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 2025-06-16 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: NV

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: AZ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I discovered several unauthorized, several fraudulent accountsincluding a XXXX  XXXX Bankruptcy filing ( Case Number : XXXX ) were opened in my name without my knowledge or consent, credit inquiries and credit cards on my credit report that I did not initiate or authorize. These credit cards and inquiries were made without my knowledge or consent and appear to be the result of identity theft or the unauthorized use of my personal information. The fraudulent inquiries include : XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX inquired XXXX XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXXXXXX XXXX  XXXX inquired on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
I noticed alot of inaccuracies on this account so therefore i am disputing these errors. 


1. Inconsistent " Past Due '' Amounts : * TransUnion shows {$4200.00} past due. 
* Experian and Equifax show {$0.00} past due. 
* This is a significant inconsistency. All bureaus should typically reflect the same past due if its the same account. 
2. Different Date Last Active and Date of Last Payment : * Equifax reports XX/XX/XXXX as both Date Last Active and Date of Last Payment. 
* TransUnion and Experian report XX/XX/XXXX as the last payment, but with slightly different " Date Last Active '' ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX ). 
* These should generally align unless XXXX bureau has outdated or misreported information. 
3. Different Comments : * While all comments generally indicate charge-off or loss, they are worded differently and could be interpreted with different levels of severity by automated systems or reviewers. 
* Experian shows several months with 30, 60, 90, 120, 150-day late payments from XX/XX/XXXX through XX/XX/XXXX. 
* TransUnion shows " CO '' ( charge-off ) from XX/XX/XXXX to XX/XX/XXXX. 
* Equifax shows all months as " OK '' through XX/XX/XXXX, which conflicts heavily with the other two.

This indicates Equifax may not be accurately reporting the derogatory status or has not updated the file properly.

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 2025-06-16 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: FL

Complaint narrative:
I noticed alot of inaccuracies on this account so therefore i am disputing these errors. 


1. Inconsistent " Past Due '' Amounts : * TransUnion shows {$4200.00} past due. 
* Experian and Equifax show {$0.00} past due. 
* This is a significant inconsistency. All bureaus should typically reflect the same past due if its the same account. 
2. Different Date Last Active and Date of Last Payment : * Equifax reports XX/XX/XXXX as both Date Last Active and Date of Last Payment. 
* TransUnion and Experian report XX/XX/XXXX as the last payment, but with slightly different " Date Last Active '' ( TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX ). 
* These should generally align unless XXXX bureau has outdated or misreported information. 
3. Different Comments : * While all comments generally indicate charge-off or loss, they are worded differently and could be interpreted with different levels of severity by automated systems or reviewers. 
* Experian shows several months with 30, 60, 90, 120, 150-day late payments from XX/XX/XXXX through XX/XX/XXXX. 
* TransUnion shows " CO '' ( charge-off ) from XX/XX/XXXX to XX/XX/XXXX. 
* Equifax shows all months as " OK '' through XX/XX/XXXX, which conflicts heavily with the other two.

This indicates Equifax may not be accurately reporting the derogatory status or has not updated the file properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I am writing to respectfully request assistance regarding my XXXX XXXX credit account ( Account # : XXXX * * * * ), which is currently reporting to both TransUnion and Equifax. While this account is now in good standing and reflects a {$0.00} balance with a current payment status, I would like to ask for a review and possible removal of the late payments reported during XXXX and early XXXX. 
As outlined in my credit report : I had a few late payments in XXXX, XXXX, and XX/XX/XXXX, and again in XXXX and XX/XX/XXXX, reported as XXXX or 60 days past due. 
However, I have worked diligently to bring the account current and have consistently made on- time payments since then, with a solid and improving payment pattern now clearly reflected in the most recent history. 
Given my recent performance and the efforts Ive made to restore my account, I am kindly asking that the Consumer Financial Protection Bureau consider facilitating a goodwill adjustment or correction to remove these older late payment notations. I understand that creditors and furnishers are not required to remove accurate information, but the FCRA also supports fairness and the reporting of complete and updated information. 
I believe this request aligns with the intent of the Fair Credit Reporting Act to promote accuracy, and I hope my recent positive history will be taken into account. Ive included supporting documentation for your reference, including a copy of my credit report and identification. 
Thank you for your time, consideration, and for supporting consumers striving to improve their creditworthiness. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2025 I got a phone call from someone claiming to be a USAA employee saying that there was a fraud attempt on my account and that someone applied for a loan of XXXX dollars. This individual then gained access to my account by having me reset my information with information he gave me and gained access to my account. From here he went in and moved XXXX dollars from o e of my accounts into my other account, and from here walked me through sending XXXX dollars saying that this was how the loan was supposed to be returned. From here he went silent for a few minutes then hung up the phone, where I then called USAA and with the representative went over what happened and started a report on the situation. On XX/XX/XXXX  I reached out to USAA as they had withdrawn a provisional credit from my account of XXXX dollars that was given to me by the bank during the investigation. When I called the representative went over the situation stating that the bank has determined I was liable for the scam as I was the one who initiated the transfer to the member.

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