vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally request the removal ( temporary or permanent ) of the security freeze currently placed on my credit file. I would like to unfreeze my credit report to allow authorized access for credit review and verification purposes. 

Please process this request and confirm that my credit file is now accessible.

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 2025-10-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have got scammed on XX/XX/XXXX of XXXX i have provided multiples screenshots before my money was stolen from me. i have not heard back from them & i want my money back!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: IN

Complaint narrative:
I did not authorize this inquiry, and I had no communication with the lender on that date.

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 2025-10-28 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperianXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account DetailsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to 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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PLS GROUP, INC
State: CA

Complaint narrative:
On XXXX XXXX I went to check cashing place in XXXX California PLS check cashing and I didn't have my physical ID but I had the XXXX print out and they said they were going to cash it but then they said my XXXX print out was fake when it wasn't they kept my check and paperwork and we're going to call the cops and I was waiting outside cops didn't show and I had to leave to go to a appointment .. and I don't know what to do know

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Equifax,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Equifax. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX6.\tCREDIT COLLECTIONS\nOriginal creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerely,XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
XX/XX/year>. They did not explain why they increased fees. They also that I could close my account. Why would I close my account when I have a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is reporting a XXXX  XXXX Bankruptcy ( Docket # XXXX, filed XX/XX/year> ) under my name to credit bureaus and third parties. However : I never authorized this reporting. 

LexisNexis is not a court, and the XXXX Bankruptcy XXXX has confirmed they do not furnish bankruptcy data to any consumer reporting agencies or third parties. 

LexisNexis is acting as an unregulated data vendor distributing inaccurate, unauthenticated court records that damage my credit profile. 

The record is being shown as verified when it has not been certified by the clerk, nor does LexisNexis have a legal chain of custody or permission from the court or me to distribute this sensitive legal matter. 

This is a direct violation of : FCRA 1681e ( b ) for failing to ensure maximum possible accuracy of public records.

FCRA 1681i ( a ) for failing to properly reinvestigate the record when disputed.

GLBA 501 ( b ) for mishandling of nonpublic legal and personal data.

U.S. Courts Administrative Office Guidance which states courts do not provide this data to CRAs.

SEC Rule 10b-5 for misrepresenting this bankruptcy as a verified financial obligation in commerce.

I have contacted LexisNexis and demanded removal and evidence, but they have failed to provide a certified source, legal justification, or removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MN

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies : Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a UDF form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you tell me this in15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and included the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is requested to give that to you. So, when is that? when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response. I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2025 I went to XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX on ledger ) to have my car serviced, to which I authorized a total of {$140.00}. My card was given to the cashier who took my card and ran it on their machine out of my line of site, only bringing the pin pad to me in order to type in my pin. I had no option to skip this on the pin pad so I had to enter my pin in order to take possession of my vehicle again after the service was complete. Days later I see an unfamiliar charge on my bank account, it was charged immediately after my oil charge to a company ( XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX on ledger ). This charge to " XXXX XXXX  '' was for the total of {$140.00}. After seeing this I filed a dispute with my bank account and provided all of the information I could for them. 
After googling " XXXX XXXX XXXXXXXX '' I found a store located in XXXX XXXX, XXXX. However, after further review, this location does not look to be real. The XXXX  page does not include a phone number, website or ownership. Along with the address listed is also listed for a hair saloon company and that is reflected on the XXXX search image for XXXX XXXX XXXX XXXX 
My dispute from the bank was closed due to my bank stating the chip and pin was used on a physical POS. They could not provide me with any information regarding the time the charged happened or the business that authorized it. They would not let me further appeal the charge. 

Attached below : See page 3 for noted charges. 
See photos for XXXX results of " XXXX XXXX  XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MN

Complaint narrative:
I received notice that you verified certain items on my credit report from the following companies : XXXX XXXX XXXX account # XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you tell me this in15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and included the full name of the person you spoke with. Also, what is the date of the commencement of delinquency? The original creditor is requested to give that to you. So, when is that? when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response. I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am being charged illegally. I regularly make my mortgage payments two weeks before the due date through my bank, but I recently discovered that I have been accruing late fees since XXXX of this year. After reviewing my bank statements, I confirmed that there are no late payments. When I contacted the lender, a representative told me that I am one month ahead on my payments ; however, they applied my XXXX payment to the principal instead. I requested to speak with a supervisor, but I have had no luck. They promised that a supervisor would call me back, but I have not received any response. I attached screenshots of my payments from my Bank. My Due date is the first of the month, but they receive the money an average of ten days earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NC

Complaint narrative:
Shepherds Outsourcing continues to send me emails, this debt is not mine and I am requesting a cease and desists immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: SC

Complaint narrative:
kickoff LLc is the company I have a issue with and this is my second report about this .. On the XX/XX/year> i received a notice that i was late with kickoff over XXXX which i stop this account in XXXX of this year i believe because it wasn't working for me at the time .. Now my credit report has an bad and negativity because of it.. i started this knowing and was told i have one account but today i was told i had two account with this company .. and that's an issue and i wasn't told that from the beginning.. So know i'm late because something i didn't know and didn't get two invoices for .. So how you give a person two account without them knowing??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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.

Complaint narrative:
Credit report required by my bank on XX/XX/XXXX, Equifax mixed up 2 people with the same name. The other had a bad credit score with XXXXXXXX XXXX They showed his address, his workplace, his bad credit card details claiming that was me. I was verified at XXXX with ID documents, selfie photos, proof of residency at my current address since XXXX. At XXXX we spoke on the the phone for a long time all to no avail, on the XXXX they repeated the same credit report. XXXX sent of a enquiry to their investigation team, no result yet. I then did an online complaint form which advised me I would be contacted within! -3 days. That did not occur so I made phone contact and was told I had not done a complaint. Why then did the platform tell me a reply in 1-3 days. Have since done 2 corrections on credit report platform, no result yet. 
I had set out that I had never lived or even been in the town at that address or worked at his workplace and that I had evidence I had lived at my current address for 25 years. 
As of today 26 days on I still get the same report and can no longer contact Equifax by phone on their 2 advertised numbers. 
This is affecting my ability to obtain finance and as a result my health is suffering. 
Thank you

Company response to consumer: Closed with explanation