vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.


Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigatior : This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Below are the hard inquiries that need to be removed : 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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint regarding a debit card transaction dispute with Navy Federal Credit Union ( NFCU ). 

On XX/XX/year>, I was charged {$1000.00} by a merchant named XXXX, but the service I paid for was not provided. I submitted a formal dispute to NFCU and included clear evidence proving that the service was not rendered. 

Despite my documentation, I received a notice from NFCU stating that the dispute was resolved in the merchants favor because the service was provided. This contradicts the evidence I submitted, and I strongly believe my dispute was not properly reviewed. It appears the case was closed without a meaningful investigation. 

I am also concerned that NFCU did not comply with Regulation E ( 12 CFR 1005 ). Specifically : I was not issued a provisional credit within 10 business days of filing my dispute.

I was not provided with any merchant documentation or a clear explanation justifying the denial of my claim. 

After receiving the denial, I contacted NFCU via secure chat and was informed that appeals can only be submitted by eMessage or fax. I have followed this process and submitted my appeal. However, I am still financially impacted and feel that my rights under federal law have not been respected.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
My name is XXXX XXXX. I opened a new bank account with US Bank and deposited my paycheck to via mobile check deposit. I was not informed that there would be a hold on my check until XX/XX/XXXX until after it was deposited. There was no option to cancel the deposit. Ive called US Bank twice now and have spoken to over 4 people. Each one of them letting me know they can not remove the hold and that my funds wont be available until XX/XX/XXXX. On their website it says the first {$270.00} should be available immediately and that if I was not aware of the hold before the deposit that I could be refunded overdraft fees. The people I have talked to over the phone both denied that those options were available. So I am stuck with no money and no option to close my account either.

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 2025-07-07 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: VA

Complaint narrative:
Formal Complaint Regarding Non-Compliance and Negligence under 15 U.S.C. 1681 ( Fair Credit Reporting Act ) To Whom It May Concern, I am writing to formally file a complaint regarding your organization 's failure to comply with the Fair Credit Reporting Act ( FCRA ), codified under 15 U.S.C. 1681, resulting in negligent and unlawful reporting of inaccurate information on my credit file. Despite prior notice and requests for investigation, the errors remain unresolved.
Pursuant to 15 U.S.C. 1681i ( a ), credit reporting agencies are legally obligated to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice. Additionally, furnishers of credit information are bound by 15 U.S.C. 1681s-2 ( b ) to investigate and correct disputed data once notified by a credit bureau .

Specific Violations Include : Reporting inaccurate or outdated information despite documented disputes.

Failing to conduct a timely and reasonable investigation upon receiving notice of the dispute.

Continuing to report information known to be inaccurate, in violation of 1681e ( b ) which mandates maximum possible accuracy.

Negligent handling of my personal financial data, causing reputational and financial harm. 
These failures constitute negligent non-compliance, and I am hereby putting your organization on notice. If this matter is not fully corrected within 15 days, I will pursue further legal action, including a complaint to the Consumer Financial Protection Bureau ( CFPB ) and/or a civil lawsuit under 15 U.S.C. 1681n and 1681o, seeking statutory and actual damages, costs of litigation, and attorneys fees.

Requested Actions : Immediate deletion or correction of the inaccurate information.

Written confirmation of the investigation results.

A copy of my updated credit report reflecting the corrections.

This letter serves as a final opportunity to remedy this situation before further escalation. Please consider this matter urgent and act in accordance with your responsibilities under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
A auto loan account hat has been closed now for a year, the agencies are not reporting the correct amount if the debt closed. The amount shown is a reflection of the transfer of the property back to the lending company. It does night reflect the difference after the care was resold, which is a clear violation of the law. On top of illegally placing derogatory marks on an account thats been closed, is another clear violation of 15 USC1681 ( I ) of the FCRA. They all do not even have the correct closing date. Equifax and Experian are still reporting it open and trans union is reporting it closed XXXX XXXX XXXX and this is not true at all .this account has been closed for a year now

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 2025-07-07 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: FL

Complaint narrative:
A auto loan account hat has been closed now for a year, the agencies are not reporting the correct amount if the debt closed. The amount shown is a reflection of the transfer of the property back to the lending company. It does night reflect the difference after the care was resold, which is a clear violation of the law. On top of illegally placing derogatory marks on an account thats been closed, is another clear violation of 15 USC1681 ( I ) of the FCRA. They all do not even have the correct closing date. Equifax and Experian are still reporting it open and trans union is reporting it closed XXXX XXXX XXXX and this is not true at all .this account has been closed for a year now

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX Date : XX/XX/year>XXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Against TransUnion for FCRA Violations and Mishandling of My Disputes Dear CFPB Representative, I am writing to formally file a complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple disputes regarding inaccurate information on my credit report, TransUnion has failed to provide any documentation or validation and has not disclosed the method of verification used to confirm the disputed information. 

I have provided all necessary identification, including my government-issued ID, Social Security card , and a utility bill verifying my current address. However, TransUnion continues to report the disputed accounts as verified without offering any actual proof. 

The disputed accounts with TransUnion include : XXXX XXXX XXXX XXXX. Amounts : {$430.00}, {$700.00}, and {$740.00} XXXX XXXX XXXX {$2400.00}, and {$5700.00} XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX XXXX Amount {$810.00} Credit XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX Charge-off with balance of {$660.00} including reported late payments XXXX XXXX XXXX XXXX Charge-off with balance of {$1000.00} also with late payments XXXX XXXX Reporting late payments Despite repeated requests , TransUnion has : Failed to provide validation or proof of accuracy of the information Not disclosed the method of verification Ignored the inconsistencies and potential duplications ( e.g., XXXX XXXX reporting twice ) Not responded with any evidence from original creditors or furnishers These actions are in direct violation of FCRA 611 ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct reasonable investigations and provide documentation of their findings.

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 2025-07-07 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-07 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: Kikoff Inc.
State: OH

Complaint narrative:
i have not applied for any auto loans and have many on my report. Under LAW 15USC 1681N, I am requesting these hard inquiries be removed immediately as I will pursue legal fees of {$1000.00} per inquiry ( 25 on my report over last 45 days ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Kriya Capital, LLC
State: OH

Complaint narrative:
i have not applied for any auto loans and have many on my report. Under LAW 15USC 1681N, I am requesting these hard inquiries be removed immediately as I will pursue legal fees of {$1000.00} per inquiry ( 25 on my report over last 45 days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
Im filing this complaint because I need Experian to fix and clean up my personal information once and for all. I just checked my credit report and it's showing a lot of outdated and inaccurate info that shouldn't be there. Heres what needs to be updated : My correct personal details are : Full Name : XXXX XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX Email : XXXX Employer : Unemployed ( for now ) For name variation, its currently showing XXXX XXXX XXXX ( INCORRECT ), please remove that. My name should be XXXX XXXX XXXX, and any other name variations should reflect that instead to avoid confusion. 

Also, my credit report is listing a bunch of addresses that are not accurate and dont match any of my documents. These are the addresses that need to be deleted from my file : 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 XXXXXXXX None of these addresses are current or correct. The only address that should be showing on my credit file is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX. 

Ive already submitted supporting documents like my passport, SSN, and utility bills to prove whats accurate. 

Under the FCRA ( 15 U.S.C. 1681e ( b ) ), Experian is required to report accurate info. Since Ive provided proof, they must fix any errors under 15 U.S.C. 1681i ( a ). I also have a right to see a full updated report under 15 U.S.C. 1681g ( a ). If they fail to do this, thats considered negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o, and Im aware I can seek damages of up to {$1000.00} per violation.

I just want my file to reflect the truth. Please have Experian delete all the incorrect info, make sure my correct name and address show on my report, and send me written confirmation once its done.

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 2025-07-07 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.

ACCOUNTS : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: I.C. System, Inc.
State: MD

Complaint narrative:
Submitted debt validation letter on XX/XX/year>. Have not received a response from the data frunishers.

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 2025-07-07 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Telephone : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX, TX XXXX, submit this XXXX to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 

Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX XXXX I submitted a formal dispute to Experian, Transunion, and Equifax ( via certified mail, with return receipt ) regarding inaccurate and unverifiable information on my credit report. I asked for a full accounting of the alleged debt including an itemized statement, a copy of the original signed agreement proving my obligation to the debt, proof that they have the legal right to collect the debt including a chain of custody showing ownership, and verification of a completed investigation including a copy of my credit report with updated changes. Under the FCRA, they are required to investigate and respond within 30 days, and I have not received any response or results of an investigation.This lack of response violates 15U.S.C. 1681i.

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 2025-07-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
On XXXX XXXX I submitted a formal dispute to Experian, Transunion, and Equifax ( via certified mail, with return receipt ) regarding inaccurate and unverifiable information on my credit report. I asked for a full accounting of the alleged debt including an itemized statement, a copy of the original signed agreement proving my obligation to the debt, proof that they have the legal right to collect the debt including a chain of custody showing ownership, and verification of a completed investigation including a copy of my credit report with updated changes. Under the FCRA, they are required to investigate and respond within 30 days, and I have not received any response or results of an investigation.This lack of response violates 15U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief