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

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
On XX/XX/XXXX, I submitted a formal identity theft dispute to TransUnion under FCRA XXXX. I included a valid FTC Identity Theft Report, government-issued ID, and proof of address. 

The following fraudulent items were included in the dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Fraudulent account : XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of today, nearly 30 days later, I have received no formal response from TransUnion and none of the fraudulent entries have been removed. This is a clear violation of FCRA 605B, which requires the credit bureau to block identity theft-related information within 4 business days after receiving a complete and valid request.

TransUnion 's failure to comply with federal law is unacceptable. I am demanding full deletion of the disputed records and written confirmation of compliance. If no resolution is provided, I will escalate further.

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 2025-06-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ; Collection Reported XX/XX/XXXX ; Assigned XX/XX/XXXX ; Creditor Class - Rental/Leasing ; Original Creditor - VXXXX XXXX XXXXXXXX XXXX XXXX  Amount - {$16000.00} ; Status as of XXXX Unpaid ; Date of 1st Delinquency XX/XX/XXXX ; Balance as of XX/XX/XXXX - {$17000.00} ; Individual Account ; Account XXXX XXXX XXXX XXXXXXXX ; ADDITIONAL INFORMATION - Consumer Disputes- Reinvestigation in Process ; Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding their mishandling of an insurance settlement check for my totaled vehicle, as well as the ongoing requirement to make loan payments despite the car being deemed a total loss. 

My vehicle was totaled on XX/XX/year>, and an insurance settlement check was issued by my insurance ( XXXX XXXX XXXX ) provider and sent to Navy Federal on XX/XX/year>. Due to Navy Federals failure to process the original check in a timely manner, I was forced to request a second, expedited check, which was mailed on XX/XX/year>. According to USPS tracking, this second check was delivered to Navy Federals office on XX/XX/year>. 

Despite confirmed delivery, Navy Federal has failed to process the check and has continued to require me to make payments on the loan. I currently have a pending GAP insurance claim with Navy Federal that I was informed on XX/XX/year>, would be canceled if the settlement check is not received and processed within 30 days. The GAP department now claims they have not received the check, contradicting the tracking information. 

Due to Navy Federals delays and lack of communication, I have been placed under significant financial strain. I was forced to purchase a replacement vehicle and now face the burden of two car loan paymentsone for the totaled vehicle and one for the new vehiclebecause the original loan has not been resolved.

I am requesting the CFPB to review this matter, as I believe Navy Federal is mishandling the settlement funds and engaging in unfair and unreasonable loan servicing practices by : 1. Failing to promptly process insurance settlement checks.

2. Continuing to demand payments on a loan for a vehicle that no longer exists.

3. Risking the cancellation of my GAP insurance claim due to their inaction.

This situation has created undue financial and emotional stress. I am seeking immediate intervention to ensure the check is processed, the GAP claim remains active, and loan payments on the totaled vehicle are suspended or reimbursed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for the Hilton Honors American Express Surpass Card in XX/XX/year>, during a promotion that offered XXXX Hilton Honors bonus points and a Free Night Reward after spending {$3000.00} within 6 months.

I received the card and successfully completed the required spending within the promotional period. I did receive the Free Night Reward, but as of today ( XX/XX/year> ), none of the Hilton Honors points neither the 130,000 welcome bonus points nor the regular points earned from purchases have been transferred to my Hilton Honors account.

I confirmed that my Hilton Honors account was properly linked during card setup, and I have verified the purchases were all qualifying. Despite this, no Hilton points have been posted at all.

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

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to file a formal complaint regarding several unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent. I did not apply for credit with the companies listed, nor did I authorize them to access my credit file. 

I believe these inquiries are negatively affecting my credit score and may be due to identity theft or improper use of my personal information. I have contacted the credit bureaus to dispute the entries and request their removal but am seeking further assistance from your office to ensure this matter is fully investigated and resolved. 

Please help me ensure my consumer rights are protected and these unauthorized inquiries are removed from my credit file. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/2004 Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : 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 2025-06-06 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Dear CFPB, My name is XXXX XXXX, and I am writing to file a formal complaint regarding several unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent. I did not apply for credit with the companies listed, nor did I authorize them to access my credit file. 

I believe these inquiries are negatively affecting my credit score and may be due to identity theft or improper use of my personal information. I have contacted the credit bureaus to dispute the entries and request their removal but am seeking further assistance from your office to ensure this matter is fully investigated and resolved. 

Please help me ensure my consumer rights are protected and these unauthorized inquiries are removed from my credit file. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/2004 Last XXXX of XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: ProCollect, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the account reported by PROCOLLECT INC, associated with the original creditor XXXX XXXX XXXX XXXX XXXX, as it appears on my credit reports from XXXX XXXX XXXX XXXX. This account has been reported as a collection without prior notification or substantiating documentation. The account is reported as " Collection '' without any prior history of delinquency or attempts at collection, potentially violating FCRA 1681e ( b ), which mandates accurate and complete 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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued XXXX  for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
TransUnion faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items. 
2. Delete or correct all inaccurate, incomplete, or unverifiable information. 
3. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
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 non-monetary relief
Consumer complaint received 2025-06-06 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXX, Fl XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX XXXX ] To : ChexSystems, Inc. 

XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Subject : FCRA Dispute Request for Immediate Deletion of GC, GD, and GE Code Entries To Whom It May Concern, I am writing to dispute multiple entries that appear on my ChexSystems consumer report under the codes GC, GD, and GE. These entries are listed without any corresponding bank or financial institution information and are unfamiliar to me.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I am exercising my legal right to dispute information that is inaccurate, incomplete, or unverifiable. Since ChexSystems has listed these codes without identifying the source or providing any supporting details, I formally request that these items be deleted from my file immediately.

Per the FCRA : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumerthe agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

( 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ) Further, if ChexSystems is unable to verify the source or accuracy of these entries within 30 days, the law requires that the disputed information be deleted from my report : If after reinvestigationthe information is found to be inaccurate or can not be verified, the information shall be deleted promptly ( 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) ) I demand these unverifiable GC, GD, and GE entries be deleted as required by law if proper documentation and verification can not be provided. Please also send me an updated copy of my report reflecting the changes made.

Attached are the following to confirm my identity : A copy of my Passport A recent utility bill showing my current address Thank you for your prompt attention. I expect full compliance with the FCRA and a written response within the required 30-day period. 

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 explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I am filing this complaint against MoneyLion Inc for inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

This creditor has been reporting a " Charge-Off '' status on my account ( XXXX ) not just once which would be accurate but * * every single month * * following the original charge-off in XX/XX/XXXX through at least XXXX. This creates the false appearance that the account is being re-charged off each month, which is misleading and damaging. 

The current status reported is : " Account charged off. {$110.00} written off. {$190.00} past due as of XXXX XXXX. '' This type of reporting is : - * * Inaccurate * *, as a charge-off is a one-time event, not a recurring one - * * Misleading * *, because it artificially inflates the negative impact of the tradeline - * * Unfair * *, as it prolongs damage to my credit score far beyond what the FCRA allows They are in violation of : - * * FCRA XXXX ( a ) ( 1 ) ( A ) * * Knowingly furnishing inaccurate data - * * FCRA XXXX ( b ) * * Failing to ensure maximum possible accuracy - * * XXXX U.S. CXXXX  XXXX ( b ) * * Not properly correcting inaccurate information after disputes I have disputed this directly with the credit bureaus and the creditor. I am requesting the CFPBs assistance in investigating this matter and compelling the creditor to either : - Accurately report the charge-off as a one-time event in XX/XX/XXXX, or - Delete the tradeline entirely for repeated FCRA violations. 

Please take this complaint seriously. I am including copies of the reported history as evidence. Thank you.

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

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 explanation
Consumer complaint received 2025-06-06 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: FL

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete 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 2025-06-06 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This morning, I saw an unauthorized inquiry on my credit report, and Im extremely frustrated because I have no idea how it got there. I refreshed my browser thinking it was a glitch, but nothing changed. I need this looked into immediately, and Im urging you to review the documents Ive sent so I dont have to deal with this again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
I am highly concerned about a reported late payment that does not align with my verified payment history. I maintain thorough documentation, and it clearly shows the payment was made on time. This needs to be reviewed and removed.

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 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Today XX/XX/XXXX spoke to two representatives and both told me that taking {$15.00} a month on a cash advance of {$150.00} was legal because I only pay the minimum amount on my account? they have been taking the {$15.00} dollars a month since 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 monetary relief
Consumer complaint received 2025-06-05 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
Under XXXX U.S.C. XXXXi ( a ) ( 5 ), I demand the immediate investigation and deletion of all inaccurate, outdated, or unverified accounts and inquiries listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX US cXXXX XXXX ( b ) and XXXX use XXXXi ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief