vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am writing to formally dispute derogatory banking information and discharged checking account data that is being reported by your agency and adversely affecting my ability to open a new bank account. Some of these accounts were legally discharged in bankruptcy, while others are outdated or inaccurate. Despite the passage of time and my efforts to move forward, these reports continue to cause undue harm and financial hardship.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure maximum possible accuracy in the information you furnish. Any item that is outdated, unverifiable, or discharged in bankruptcy must be corrected or removed. Additionally, under the Uniform Commercial Code ( UCC 9-210 ), I am exercising my right to request an accurate accounting of all obligations and to verify the entities claiming such obligations are still valid and enforceable. 

These derogatory records are impeding my ability to access basic financial services, including opening a bank account, which in turn impacts my employment, ability to receive direct deposits, and general financial wellness. I am now working to reestablish my financial foundation, and the continued presence of outdated or discharged items conflicts with both the spirit and letter of consumer protection laws.

I respectfully demand the immediate investigation and deletion or correction of any and all inaccurate, outdated, or legally discharged records.

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 2025-07-19 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: CA

Complaint narrative:
I am formally disputing a late payment entry reported on my credit file. After thoroughly reviewing my personal records, I am confident that this report is inaccurate and unjustified. At no point did I miss or delay any payment during the period in question.

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 2025-07-19 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: SC

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of XXXX law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) High Balance : {$5500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX  XXXX High Balance : {$430.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX  XXXX  High Balance : {$27000.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX  High Balance : {$3100.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX High Balance : {$0.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX High Balance : {$3500.00} Account Number : XXXX Date : XX/XX/XXXX Duration : 7 year XXXX XXXX XXXX - XX/XX/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 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 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 2025-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX Subject : Clarification Regarding Wire Transfer, XX/XX/XXXX Dear Sir/Maam : I am writing to formerly address a recent issue involving a wire transfer that was denied. I am Retired XXXX and Retired XXXX XXXX XXXX. I am a registered voter. 

In a separate instance. I attempted to wire funds to my Navy Federal account with XXXX, a well-established digital financial service platform. 

On or about end of XXXX of 2025, I completed the transfer paperwork for XXXX, however it was flagged as stated above. 

On or about around a week or XXXX, I needed a withdrawal for XXXX. The person XXXX, & The Supervisor, and Manager, XXXX XXXX, XXXX Ga, asked me what my withdrawal for. I told him it was for my mother, but then he went back to this transfer I did for XXXX, around XXXX, and asked for the name that was completed. The money was returned as stated above with XXXX. 

Unfortunately, the wire was denied and flagged a potentially fraudulent because the system was unable to verify a specific institutional address or whatsoever. This was entirely a result of technical limitations or data gaps, not an attempt to conduct suspicious activity. 
I was simply trying to fund my personal XXXX account legitimate purposes such a digital asset investment and international transactions. I have no affiliation with any suspicious entities or practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because an unauthorized inquiry has been made on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Specifically, the inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/year>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 did not apply for credit, initiate a transaction, or give this company permission to access my credit report. Under 15 U.S.C. 1681b ( f ), a party may only access a consumers credit file if they have a permissible purpose, which was not present in this case.

I disputed this unauthorized inquiry with the credit bureau and the companies that made the inquiry, but the issue has not been resolved. I am requesting the CFPB to investigate this matter and ensure that the unauthorized inquiry is removed from my credit file, and that appropriate action is taken to prevent further violations of my rights under the FCRA.

I also request that the company provide documentation proving that I authorized the inquiry. If no such documentation exists, this is a clear violation of federal 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because an unauthorized inquiry has been made on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. 

Specifically, the inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/year>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 did not apply for credit, initiate a transaction, or give this company permission to access my credit report. Under 15 U.S.C. 1681b ( f ), a party may only access a consumers credit file if they have a permissible purpose, which was not present in this case.

I disputed this unauthorized inquiry with the credit bureau and the companies that made the inquiry, but the issue has not been resolved. I am requesting the CFPB to investigate this matter and ensure that the unauthorized inquiry is removed from my credit file, and that appropriate action is taken to prevent further violations of my rights under the FCRA.

I also request that the company provide documentation proving that I authorized the inquiry. If no such documentation exists, this is a clear violation of federal 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 explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in questionXXXX XXXX XX/XX/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 XXXXXX/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 explanation
Consumer complaint received 2025-07-19 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-07-19 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: IN

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires them to provide a detailed description of their reinvestigation procedures upon request. I formally requested that the agency disclose the steps it took to verify disputed items on my credit reportincluding the name and contact details of the furnisher, the individual they communicated with, and the documentation used to validate the accounts accuracy. Despite this request, the agency has not responded with the required information within the 15-day timeframe mandated by law. This lack of transparency and procedural disclosure is a violation of my rights under the FCRA.

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 2025-07-19 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX- XXXX XXXX. XXXX  XXXX XXXX, GA XXXX To whom it may concern I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX Please remove all the other addresses off my report as they are not deliverable to me by the XXXX post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. 
Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Innovis Consumer Assistance XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX- XXXX XXXX. XXXX  XXXX XXXX, GA XXXX To whom it may concern I am writing to request my consumer report and update/correct my personal information on file with your company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX DOB : XX/XX/XXXX SSN : XXXX Please remove all the other addresses off my report as they are not deliverable to me by the XXXX post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. 
Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information being reported by your agency. Several of the accounts listed in your report were legally discharged under my bankruptcy, which was finalized and discharged by the court. Despite the discharge, these accounts continue to appear in your records, which is a violation of federal consumer protection laws.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt. Any item that can not be verified or has been discharged in bankruptcy must be corrected or deleted to ensure maximum possible accuracy.

Furthermore, under the U.S. Bankruptcy Code, once a debt has been discharged under XXXX  XXXX, the creditor or any reporting agency is no longer legally permitted to continue reporting the balance as due. The continued reporting of discharged debts is not only misleading but also unlawful under the FCRA and the Bankruptcy Code.

Additionally, per UCC 9-210, I am requesting a detailed accounting of any debts or obligations your agency believes remain outstanding. If such information can not be validated in writing, it must be removed.

Inaccurate demographic informationsuch as incorrect name variations, outdated addresses, and unverified employer listingshas caused undue harm to my personal and financial credibility. These inaccuracies have resulted in delayed credit approvals, difficulty verifying my identity, and obstacles in securing housing and employment. The presence of multiple conflicting records on my credit file gives the false impression of instability and misrepresents my actual history. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of consumer information. I respectfully request the immediate removal of all incorrect demographic details so that my credit profile accurately reflects my true identity and background.

The ongoing presence of this inaccurate information is causing severe harm to my ability to secure credit, open financial accounts, and rebuild my financial future.

Company response to consumer: Closed with explanation