vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I have tried to get this taken care of with the credit bureau ( XXXX  ) and they don't seem to understand the severity of the violation they have made reporting incorrect, unverifiable and incomplete information in my credit report .this is a huge issue that i have been having and I need them to just take this off already as the other 2 bureaus have done so per the fcra and the fdcpa

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am submitting this complaint in reference to an unauthorized hard inquiry that appears on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), dated XX/XX/year>. I did not authorize this inquiry, and I have been a verified victim of a data breach that compromised my personal identifying information. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights as a consumer to dispute and request immediate removal of inaccurate or unauthorized information from my credit report. Specifically, I am protected under : XXXX U.S.C. XXXX ( a ) ( XXXX ) Credit reporting agencies are prohibited from furnishing consumer reports without proper authorization. 

XXXX U.S.C. XXXX ( a ) Requires that disputed information be investigated and corrected or deleted within XXXX  days ( or 45 days in limited cases ). 

XXXX U.S.C. XXXX ( a ) Entitles consumers who are victims of identity theft or a data breach to block information resulting from such incidents from appearing on their credit reports. 

XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Prohibits furnishers of information from reporting data they know or should know is inaccurate. 

XXXX U.S.C. XXXX ( b ) Requires furnishers to investigate and correct or delete disputed information after being notified by a credit reporting agency. 

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( XXXX ) Prohibits the communication of false credit information, including failing to communicate that a debt is disputed. 

As a data breach victim, I request that the Consumer Financial Protection Bureau ensure that this unauthorized hard inquiry by XXXX XXXX is thoroughly investigated and permanently deleted from my credit profile. This inquiry was not initiated by me, and therefore violates my consumer rights under the FCRA. 

I am attaching proof of my identity and current address, along with documentation verifying that I was impacted by a data breach ( such as breach notification letters, emails, or identity theft protection enrollment ). 

In accordance with the FCRAs dispute resolution requirements, I request that this matter be fully resolved and the unauthorized inquiry deleted within XXXX  days or less. This correction should be reported to all major credit bureaus ( XXXX, TransUnion, and XXXX  ). 

I am invoking my rights as a consumer to have any information resulting from fraudulent use of my data permanently removed and to ensure that my credit file is accurate, complete, and protected from further harm. 

Thank you for your prompt attention to this matter.

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 2025-10-21 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: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
Caine and Weiner have reported a debt to my personal credit which not only is not the correct amount it belongs to a XXXX company. From my understanding a company debt can not be posted to a personal credit. I have told them numerous times this debt is a company XXXX issue and was not a personal credit issue and they refuse to respond or show proof of the debt and that is belongs to me personally. As I know for a fact it is a debt from a company I ran previously. If they fail to remove this from my credit report I will get an attorney and sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union closed my bank account under the assumption that my account was opened fraudulently. 
I have had this account with them for 2 years, and only a month ago I had received an auto loan from them, during the application process I had provided identification as required and im arriving has done required before granting the loan. 
I was asked to go to the bank and submit a form to appeal the account suspension, and provide two forms of identification, which I did you hit the bank said the process to take up to 10 days I was left without any money to buy food or gasoline. And I had expressed the seriousness of this matter and the urgency to have it resolved. But they did nothing about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has caused undue emotional distress and mental exhaustion. Please review the attached documents and remove it at once.

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 2025-10-21 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: NC

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> 2024

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 2025-10-21 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-10-21 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

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 2025-10-21 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: FL

Complaint narrative:
This report is being placed because the credit bureaus are continually to report accounts that do not belong to me. I believe that I am a victim of fraud with a lot of of these closed accounts that Ive never opened or I have never used. I have inquiries on my account that do not belong to me And addresses that I have never lived before after further review I believe that these credit bureaus due to their data breaches have obstructed my credit report and will not remove these things after me complaining with them. I would like these things removed immediately.

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 2025-10-21 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 entry reported does not fairly reflect my payment record and seems mistaken. Kindly review and delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I opened up a membership and then a checking and savings account with Navy Federal Credit Union. I funded the account and after a while I deposited more money and opened a secured credit card for {$1000.00}. They checked my credit report and approved the credit card and they never sent me the card. After not receiving the credit card, I called Navy Federal and they informed me that they had put a restriction on all my accounts. They told me I had to visit a branch to remove the restriction and the nearest branch is about XXXX miles away. I told them I work everyday and I can't take a day off just to visit a branch XXXX miles away. I opened everything online, so why do I have to visit a branch. I told them to close all my accounts and send me my check and they said they can't do that and I have to visit a branch. I talked to a supervisor as well and he told me the same thing. So basically, if I never walk into a branch they will keep my money forever. I have {$1000.00} in the secured credit card and over {$300.00} in my checking account and they are refusing to close my accounts and send me my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I am writing to dispute inaccurate information appearing on my TransUnion credit report under the name XXXX XXXX, account ending XXXX. The report currently reflects multiple late payments ( 30120 days ) for the year 2024. This is inaccurate and incomplete. The account is now in good standing and all payments were made on time or otherwise resolved prior to those dates. 
Under the Fair Credit Reporting Act, I am exercising my rights to accuracy and reinvestigation : XXXX U.S.C. XXXX ( b ) You must ensure maximum possible accuracy in reporting. 
XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) You are required to conduct a reasonable reinvestigation within 30 days of receiving this notice. 
XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( iii ) I request the method of verification including the name, address, and telephone number of the furnisher you contact to verify this data.

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 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
I am writing to formally file a complaint regarding the servicing of my student loans by Mohela. I have become aware of ongoing lawsuits and legal actions against Mohela concerning mismanagement and mishandling of student loan accounts. Based on my personal experience and the difficulties I have faced, I believe my situation falls within these concerns and should be reviewed for relief.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
In XX/XX/2025, Jefferson Capital Systems began reporting a collection account for {$240.00} dollars allegedly owed to XXXX from me. I first noticed this on my credit report in XX/XX/2025. I do not recall owing this debt and have not received sufficient documentation to verify its validity. In XX/XX/2025, I submitted a formal written request to Jefferson Capital Systems asking for debt validation under XXXX U.S. Code XXXX. XXXX requested a copy of the original contract, a breakdown of the charges, and documentation showing how the debt was transferred to them. I also requested proof from XXXX XXXX that they are licensed to collect debts in Arizona. As of today, XXXX XXXX XXXX has not provided the requested information. They continue to report the debt to credit bureaus without verifying its accuracy. I believe this violates my rights under the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am disputing the incorrect personal information currently being reported on my EXPERIAN consumer report. My correct address XXXX XXXX XXXX XXXX, NJ XXXX, is not reflected, and instead, outdated and incorrect addresses like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX still being reported. These outdated addresses must be removed immediately, and my correct address must be updated to ensure the accuracy and integrity of my file. The continued display of incorrect or outdated personal information is unacceptable and creates significant complications for me. It increases the risk of misidentification and severely impacts my ability to maintain financial credibility and security. The ongoing reporting of false and outdated information directly violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of all information reported. By continuing to display these incorrect details, EXPERIAN is in violation of its legal obligation. This also violates 15 U.S.C. 1681b ( 2 ), which prohibits the reporting of any personal information without a permissible purpose or authorization. I am demanding immediate correction of these inaccuracies. If these incorrect addresses are not removed immediately, I will pursue further action. It is critical that my consumer report reflects only accurate, authorized, and relevant information. Failure to comply will lead to the escalation of this matter.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Chime Financial Inc
State: IN

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX  has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681 e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

Company response to consumer: Closed with explanation