vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal Credit Union - FCRA Violations To Whom It May Concern, I am filing this complaint against Navy Federal Credit Union due to multiple violations of the Fair Credit Reporting Act ( FCRA ) that has caused financial and reputational damage.

- The charged-off account is reported with inconsistent balances across credit bureaus ( {$11000.00} vs {$0.00} ).

- There are unresolved dispute remarks stating " customer disagrees, '' despite prior dispute efforts.

- Payment history is missing.

- The Date of First Delinquency ( DOFD ) is not shown.

These issues violate FCRA 605 ( c ), 607 ( b ), and reporting standards under Metro 2. I demand full deletion or correction of this account immediately. 
Sincerely, XXXX XXXX XXXX - Inconsistent Reporting To Whom It May Concern, I am reporting XXXX for furnishing inconsistent and misleading account information across credit bureaus.

- XXXX reports the account as 60 days late with a {$720.00} balance.

XXXX XXXX  shows the account as current with a {$600.00} balance.

- Payment amounts ( {$150.00} vs {$100.00} ) and last payment dates do not match.

These errors violate FCRA 623 ( a ) ( 1 ) ( A ). This conflicting data has damaged my creditworthiness. I demand this account be corrected or deleted from all reports. 

Sincerely, XXXX XXXX XXXX XXXX XXXX - Unvalidated Debt To Whom It May Concern, I am filing this complaint against XXXX XXXX XXXX for reporting a charge-off and collection account that has never been validated. 
- The debt was reported as " Unpaid '' and in " Collections '' without proof or validation.

- No original creditor is listed.

- The account is only reported to XXXX, not all three bureaus, creating an incomplete and biased profile.

This violates FCRA and FDCPA guidelines. I demand deletion of this unverifiable account immediately. 

Sincerely, XXXX XXXX

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 2025-08-15 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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-08-15 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: FL

Complaint narrative:
I dispute the validity of this late payment, as it is inconsistent with my payment behavior. I respectfully request its removal following investigation.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I disputed some accounts on my credit report. After talking to the creditors, I contacted XXXX, XXXX  and Experian to ask them to remove the dispute from my credit report. XXXX  and transaction stated they would removed the dispute. I could not get in contact with a live person from Experian. They have a recording stating to mail my request. No options to talk with anyone. 
Im trying to buy a home and I need the dispute removed and not showing on my credit report.

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 2025-08-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX  XXXX XXXX XXXX INQUIRIES - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer XXXX report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: TX

Complaint narrative:
In XXXX, I became aware that my data had been compromised in the XXXX XXXX XXXX, which included sensitive identifying details maintained by the three major credit reporting agencies Equifax, Experian, and TransUnion. This breach occurred without my consent and has exposed me to the risk of identity theft, fraud, and other harm. 

Following the discovery of the breach, I exercised my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, to request the blocking and removal of any fraudulent or inaccurate information that may have resulted from the incident. Despite these requests, the credit bureaus failed to provide adequate responses or implement sufficient protections to prevent further harm.

I have taken steps to monitor my credit, dispute potential inaccuracies, and request security freezes. However, the companies involved have not taken full accountability for the breach or provided clear, timely communication regarding the scope of the exposure and the protections available to consumers.

I am filing this complaint to request that the CFPB take action to ensure these companies comply with federal law, address the harm caused by the breach, and provide the necessary remedies to protect affected consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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:
In XXXX, I became aware that my data had been compromised in the XXXX XXXX XXXX, which included sensitive identifying details maintained by the three major credit reporting agencies Equifax, Experian, and TransUnion. This breach occurred without my consent and has exposed me to the risk of identity theft, fraud, and other harm. 

Following the discovery of the breach, I exercised my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2, to request the blocking and removal of any fraudulent or inaccurate information that may have resulted from the incident. Despite these requests, the credit bureaus failed to provide adequate responses or implement sufficient protections to prevent further harm.

I have taken steps to monitor my credit, dispute potential inaccuracies, and request security freezes. However, the companies involved have not taken full accountability for the breach or provided clear, timely communication regarding the scope of the exposure and the protections available to consumers.

I am filing this complaint to request that the CFPB take action to ensure these companies comply with federal law, address the harm caused by the breach, and provide the necessary remedies to protect affected consumers.

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 2025-08-15 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: CO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
To PennyMac, I am a United States Army Reservist currently serving on military orders. The escalated event occurred while I was on mobilized orders under title 10. During my mobilization, we were contacted by PennyMac representatives explicitly instructing my spouse and I not to make further mortgage payments while my account was under review due to my service status.

Despite following those instructions, my mortgage account has now been wrongfully reported to collections and my credit has been negatively impacted. Causing a high risk of losing my Top Secret Military Clearance. This action directly conflicts with the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 39014043, which prohibits adverse credit reporting, collection activity, and foreclosure proceedings against servicemembers during periods of active duty or mobilization.

Summary of Events : Date ( s ) of communication with PennyMac : XX/XX/year> Name : XXXX, XX/XX/year> Name : XXXX, XX/XX/year> Name : XXXX. 
Manager aware and involved in the case is XXXX XXXX XXXX. 
Instruction received : Do not make payments during mobilization Current status : Reported to collections, negative credit reporting, financial harm, high risk of losing Top Secret Clearance and disciplinary action under the United States Army.

Supporting documentation sent to PennyMAC mobilization orders, communication records mentioned above, a warning memo from the military of collection activity.

I've provided my military orders and related documentation for immediate review. To PennyMAC and have urged them to treat this matter with the seriousness and urgency warranted, as it directly affects my credit and threatens a military career that spans over 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of ongoing identity theft. My personal information has been used without my consent to attempt and/or open fraudulent accounts. Most recently, on XXXX, XXXX XXXX accessed my Equifax credit file for a hard inquiry despite my credit being frozen. This was not authorized by me, and I have no relationship with this company. In addition, a fraudulent XXXX XXXX account has appeared on my XXXX reports showing as included in bankruptcy, even though I have never had a mortgage with this company. Both incidents are fraudulent and part of an ongoing pattern of unauthorized use of my personal information. I have disputed these accounts/inquiries with the credit bureaus and contacted the companies involved. I am requesting assistance in having these fraudulent items removed and preventing future misuse of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my account with Comenity Bank as well as the wrongful imposition of a Non-Sufficient Funds ( NSF ) fee, which has now been wrongfully reported to credit bureaus, affecting my creditworthiness. This letter serves as both a dispute under the Fair Credit Reporting Act ( FCRA ) and a demand for immediate correction under the Fair Credit Billing Act ( FCBA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Jim Bottin Enterprises, Inc
State: AZ

Complaint narrative:
I have been charged multiple times by the XXXX XXXX branch at XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX and through their billing company XXXX XXXX. This is despite my cancellation attempt of my membership before there were any charges to the account and being assured that it would be completed on their end without any fees. I had later seen multiple charges to my account and tried to recently call to fix this issue. I was told to send private and sensitive information about my medical records or else I would be charged by a debt collection agency in the future. The manager at this location goes by the name XXXX XXXX who's email is XXXX. He confirmed that they waited for my account to be billed before trying to cancel so it would rack up my account with late fees and extra fees on top of that. This is illegal and goes against laws that state any service should be cancellable in an easy manner while also not seeking predatory action towards consumers. If this goes to a debt collection agency it will be reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
I have a XXXX  card through Commerce Bank that uses a Visa Debit card. This card had expired in XXXXXXXX XXXX XXXX I called on XXXX XXXX XXXX to request a replacement since the card is expired and they said they need to charge me a fee to replace it. I asked why I needed to pay to replace an expired card to access my funds. They said it is in their terms. I went in their terms, and their website only mentions a {$10.00} fee for " Card replacement {$10.00} Per Card. In the event your Card is lost, stolen or damaged, you may request a replacement Card. '' The company kept trying to charge the fee even though I have the physical card and it is just expired. I eventually mentioned that I went on the FDIC website that they reference in their terms and it also did not state any fees to replace an expired card. After multiple calls with the company, I finally had someone waive the fee. 

I also asked for documentation to be sent via my email, however, no documentation of this incident has been sent. 

I am worried about all the others who have had to pay this fee that is not included in the terms and conditions for the XXXX  Card from Commerce Bank. 

Here is a link to their terms : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MO

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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