vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX. I request that the negative reporting associated with this account be completely removed from my credit report with all three credit bureaus. 

The vehicle was not a voluntary surrender. It was returned to XXXX due to problems and malfunctions with the vehicle. XXXX refunded my money via a check within 30 days of the purchase, which voided the contract for both me and the company. Because of this, I should not have a balance, and it should not be reported as a voluntary surrender. 

I ask that the CFPB request all documentation from XXXX regarding this transaction, including dates, times, states, signatures, and any statements. Any documents or statements that are prior to the date the refund check was issued are not accurate, because my contract was voided after the refund. Only documents reflecting the situation after the refund and voided contract are relevant to whether I owe anything. 

Despite this, the account has been reported negatively on my credit. I am requesting the CFPB to ensure this account is fully removed from all three credit reports, as it is inaccurately affecting my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
All address listed are incorrect except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this js my current address please remove all other addresses

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
All address listed are incorrect except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this js my current address please remove all other addresses

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 2025-09-21 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: Chime Financial Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. I attempted to make a purchase for a fold-out couch and within 6 hours I realized it was a scam therefore I realized that the item that I had authorized to try to purchase was not legitimate they provided no shipping number only an item number I also sent in three different emails requesting that I asked them to cancel and refund the item I sent in the receipt that says XXXX on it but the purchaser is from a job crawl and they could not find where the money went so they denied me my claim a refund even though I provided the evidence stating that anytime you go to check on the order it takes you to a website that's no longer found and they're trying to tell me that they were allowed to deny me the investigation when I clearly gave them information stating that they could not get the money back because the websites were no longer going and they had nowhere to look so because they couldn't find where the money was they denied giving me any type of money back and they denied me the name to the person who investigated my account they've been trying to obstruct Justice every time I call them I actually even called them a little after XXXX XXXX on Sunday XX/XX/year> and it is on a recorded line under my notations for the account also providing fictitious and falsifying information by having multiple supervisors tell me that there's nobody above them when there is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The literature I received with my Navy Federal Cash Rewards Visa Plus Signature credit card states " For more details, go to visa.com/signature '' on page 2 of the Benefit Guide. Upon visiting that webpage, the attached benefit of a {$100.00} credit toward the application fee for Global Entry, a U.S. Customs and Border Protection program is listed. So, I made my application on XX/XX/XXXX. Upon contacting Navy Federal on XX/XX/XXXX via my account portal, I was advised that the {$100.00} credit was NOT a benefit that would be extended to me. I believe Navy Federal needs to honor the terms I viewed at Visa.com/signature and credit my account {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of ID theft, the person who stole my identity was arrested and charged for ID theft, fraud, etc. for the past 4 years I have been trying to clear up my credit and remove all the inaccuracies, and all 3 of my bureau reports are reporting inaccuracies. I need them to be in sync and reporting correct information. I have submitted several disputes, demand letters, etc. There are a lot of items that have been removed but many still remain. I would like to get assistance with removing the remaining negative items and updating my reports to reflect current and accurate information. have provided my FTC report, ID theft statement, Police report, arrest report for suspect that stole my identity and was using it, I have submitted numerous disputes with all 3 bureaus, each creditor/collection comppany involved and still accounts remain on my 3 bureau reports. I have complied with the FCRA guidelines, and still, the accounts remain.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: AZ

Complaint narrative:
UPDATE! I filed a complaint already for this company but didn't include any supporting documents during that time. I am only filing the complaint again to provide those documents for your investigation. 


Upon reviewing my credit report, I noticed a collection on my account by Hunter Warfield that I believe is inaccurate. The account was opened on XX/XX/year> with account # XXXX with an amount of {$3700.00} remaining but an original amount of {$4700.00}. I believe this information to be inaccurate and have requested verification of this debt/ account via certified letter from Hunter Warfield and have gotten no response or info from them. I will include a copy of the letter sent to them. 

I am requesting a full investigation and verification of this account. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate reporting. I am trying to buy a house for my daughter and I right now and this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach . Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 non-monetary relief
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverifiable, and potentially fraudulent information that appears on my credit reports. These inaccuracies are negatively impacting my creditworthiness and ability to obtain fair credit. 
Disputed Items The disputed information includes, but is not limited to : Collection accounts reported without proper validation Late payment notations that are inaccurate or unverifiable Accounts that are obsolete, duplicated, or reported inconsistently across bureaus Under Sections 609 and 611 of the FCRA, I have the right to complete verification of any item reported on my credit file. If the furnishing party can not provide proper documentation proving ownership, validity, and accuracy of these accounts, they must be immediately deleted from my report. 
Data Breach Concerns In addition, I am deeply concerned that my personal information has been compromised in known credit bureau data breaches ( including but not limited to Equifax 2017 breach and subsequent reported incidents ). The exposure of sensitive personal information increases the likelihood that inaccurate or fraudulent accounts may be linked to my credit file without proper authorization.

This raises additional obligations under the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ) for data furnishers and credit reporting agencies to ensure accuracy, security, and proper handling of consumer data.

Requested Action I am requesting that the FTC review this matter and take enforcement action as needed to ensure compliance with federal law. At the same time, I am disputing these items directly with Equifax, Experian, and TransUnion for reinvestigation, correction, or removal. 

Thank you for your attention to this matter. I look forward to your response and the enforcement of my rights under the Fair Credit Reporting Act.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-21 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am writing to report issues I've experienced with TransUnion regarding inaccuracies on my credit report and their customer service. 

In XXXX, I contacted TransUnion to remove fraudulent phone numbers and addresses from my credit report, and to dispute hard credit pulls. I was informed that these issues would be resolved, however, after following up over a month later, I was told that no action had been taken. 

During my attempts to resolve these issues, I was refused the " wrong phone numbers '' associated with my credit report via telephone. Additionally, when I requested to speak with a manager, I was denied and told a manager would call me back, which never occurred. I have not received any missed calls or voicemails. 

I am concerned about TransUnion 's handling of my credit report inaccuracies and their customer service practices, which appear to be outsourced to individuals who do not prioritize customer concerns. 

I am seeking assistance in resolving these outstanding issues with TransUnion and ensuring the accuracy of my credit report. 

When attempting to resolve these issues, with refusal to talk to a manger, I experienced significant delays with TransUnion 's customer service and call centers, which appear to be outsourced to a location that may not have the incentive to provide high-quality service and follow through. 

Customer service reps are undertrained, managers impossible to talk to, and they repeatedly refused to give me the fraudulent information attached to my account.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have Called XXXX several times and requested that they report the correct information of my old credit card account as closed and I have disputed it several times and the information is not being removed from my credit report. This is resulting in my credit reporting over stating the amount of debt I owe by double of what is owed on this credit card. It is also affecting my ability to get a better interest rate to purchase a home for my family. 

This shows last payment as XX/XX/year> because the card/account was closed and a new card was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All address listed are incorrect except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this js my current address please remove all other addresses

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/year> I noticed inaccurate information reporting on my credit report. 
The last four of my social security number is incorrect as wells as my address and contact information

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is reporting multiple late payments and a past-due amount of {$61.00} on my account ending in XXXX. I have since made payments to bring this account current, but my credit report still shows late status and past due. 

I have disputed this with the credit bureaus, but the reporting has not been corrected. I am requesting that Capital One update my account to reflect that it is current and remove the inaccurate late payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — 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