vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
SUPERVISOR FOR EQUIFAX ( XXXX ) STATED TO ME THAT, EITHER ON ACCOUNTS OR ON INQUIRIES THAT IF THE RETENTION DATE WAS WITHIN 30 DAYS FOR THE ACCOUNT OR THE INQUIRY TO FALL OFF, THAT A CUSTOMER COULD CALL IN AND ASK FOR THE EARLY REMOVAL OF THE ACCOUNT OR INQUIRY. I HAVE A XXXX XXXX  THAT WAS ON MY ACCOUNT ON XX/XX/XXXX AND NOW IT'S XX/XX/XXXX AND I ASK AS I WAS TOLD I COULD DO FOR AN EARLY REMOVAL OF THAT ONE AND ONE MORE, WHICH IS XX/XX/XXXX, XXXX XXXXXXXX. BOTH OF THESE WERE WITHIN THE 30 RETENTION DATE OF FALLING OFF. NOW, EQUIFAX IS REFUSING TO REMOVE THEM. AFTER HAVING THE SUPERVISOR AND XXXX EMPLOYEES TELL ME THAT I COULD REQUEST THEM TO BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: VA

Complaint narrative:
Someone tried to open a personal loan with my information. I have reported this to the bank, police, identity theft. Gov but it shows up as a hard inquiry on my credit report. I am a victim of identity theft and have lost quite a bit of money. The loan was denied but the online application is still showing.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was a victim of bank fraud/stolen information and funds while I was in the hospital from XX/XX/XXXX to XX/XX/XXXX. An FTC report was filed along with a police report and submitted to the NFCU with a fraud claim. NFCU denied my claim and I appealed XX/XX/XXXX. It's now over a month and they have yet to respond with an update. 
These funds were stolen from me and need to be resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I recently reviewed my credit reports and was shocked to find a collection account from Southwest Credit. for what is purported to be XXXX XXXX debt. I am formally disputing this collection, as I do not recognize the debt and have no recollection of ever having this account. Furthermore, I have never received any communicationwhether by phone, text, email, or mailregarding this alleged debt. This includes the XXXX letter that is required to notify a consumer of a collection. The lack of prior notification has raised significant concerns regarding the validity and accuracy of this account. Due to this erroneous reporting, I have encountered difficulties securing credit, which is now directly impacting my ability to obtain a home loan. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately remove this collection from all credit reporting agencies and cease any further collection efforts regarding this disputed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MO

Complaint narrative:
I am writing to request detailed verification of the negative items reported on my credit report. Specifically, I need to understand the methods used to verify this information. Please provide the following : 1. Documentation of how this account was verified, including all supporting methods. 2. Proof of the debt, including the original contracts with wet signatures. 3. An explanation of how the accuracy of this information was determined, particularly in light of any discrepancies. Under the Fair Credit Reporting Act ( FCRA ), inaccurate information should not be reported on my credit report without a proper investigation. If there is a discrepancy, this item must be removed. As the reported charge-off appears to be incorrect and claims I still owe the debt, I am requesting that this be corrected or deleted to comply with the FCRA. Please provide the requested information within the required timeframe to avoid legal action for any potential violations, including seeking statutory damages. Thank you for your prompt attention to this matter. The negative items are : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Again, how were items verified? I need all methods of verification for these. Where is the proof? Where are the original contracts with wet signatures? Without a proper investigation, negative items should not appear on my credit report. Please provide this information to avoid legal action for these violations because according to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third party companies without proper consent. Also, according to FCRA section 605b, it is illegal to report information on my credit report without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 explanation
Consumer complaint received 2025-05-22 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: AR

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXXXXXX 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 XXXXXX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-22 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: DC

Complaint narrative:
compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : 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  DC XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: PA

Complaint narrative:
I have been filing credit disputes for several months now. This is on XXXX disputes. I asked these companies to please verify this debt and provide me with the information used to verify these debts. They just send me an old billing statement or a generic response that says the debt was verified. I am entitled by law to be provided with he evidence they used to verify the debt. They are not providing me with this evidence. They also failed to provide me with a copy of my original purchase agreement. I am entitled by the Fair Credit Reporting Act to have a copy of these items, but the companies don't give me a copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tri-State Adjustments, Inc.
State: CO

Complaint narrative:
My frustration level is through the roof with this company. 

XXXX, aka XXXX, XXXX XXXX XXXX XXXX XXXX. So last year, I received an astronomical bill from this company that I did not understand. I left messages and contacted them through their website on XX/XX/year> requesting information, and NO ONE contacted me. They just kept sending the bill. Then I received a collection notice from Tri-State Adjustments , Inc., and sent a dispute via email regarding a debt, for which I have received no notification. I finally spoke with the company today and discovered the bill was for XXXX XXXX. However, the email and text messages sent to you as a notification to reorder your supplies were very misleading because they make it sound like it is covered under your insurance, which may not be covered under the insurance. After speaking with my insurance company, this company is not covered in my in-network deductible and is billed under XXXX XXXX XXXX XXXX XXXX I want this debt removed, as they did not respond to my inquiry into the situation multiple times, and therefore, this bill could not be rectified with my health spending account from last year because they did not respond to my multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this complaint because I contacted the original creditor regarding an account on my credit report. I explained that I am fully willing to pay the balance in full in good faith if they would agree to remove the negative late payment history. However, they stated they would take the money but refused to remove the late payments. 

I understand I am responsible for the debt, and I am not disputing the existence of the account. What I am challenging is their refusal to update the account based on a reasonable and mutual resolution. This is damaging my credit despite my efforts to resolve it properly. 

I believe this violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681s-2 ].

Reporting a derogatory history after full payment without offering any path to rehabilitationdespite my attempt to resolve the mattercan be interpreted as punitive and not in alignment with fair credit practices or the intent of XXXX XXXX compliance standards. 

I am requesting that the CFPB investigate this matter and require the company to either : Remove the late payments after full payment is made, Or stop reporting the negative marks if they are unwilling to work with a consumer making a good faith effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because I contacted the original creditor regarding an account on my credit report. I explained that I am fully willing to pay the balance in full in good faith if they would agree to remove the negative late payment history. However, they stated they would take the money but refused to remove the late payments. 

I understand I am responsible for the debt, and I am not disputing the existence of the account. What I am challenging is their refusal to update the account based on a reasonable and mutual resolution. This is damaging my credit despite my efforts to resolve it properly. 

I believe this violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to consumer reporting agencies must be accurate, complete, and not misleading [ 15 U.S. Code 1681s-2 ].

Reporting a derogatory history after full payment without offering any path to rehabilitationdespite my attempt to resolve the mattercan be interpreted as punitive and not in alignment with fair credit practices or the intent of Metro 2 compliance standards. 

I am requesting that the CFPB investigate this matter and require the company to either : Remove the late payments after full payment is made, Or stop reporting the negative marks if they are unwilling to work with a consumer making a good faith effort.

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