vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I got divorced I XX/XX/year> and why ex spouse and his family has not stopped stocking me since. I would never of known who was except for the reason I kicked him out was I found a huge mail pile from courthouse is around the United States address to me in the last XXXX  years that was hitting to me over it decade. Still unclear of what this in tells until the IRS told me he is now under investigation for major tax fraud and he is the one shoveling the money to his personal account and amending my financial account as if he has the authority to when he has none. The IRS in for me that he puts notes in the system from his personal software that says that I'm under investigation and not inform me. I guess it's lies bring going on so long that he has gained access this way to a few places in now its getting very bad and all my account oven shut down. I open to checking in to savings with XXXX XXXX and all our attack just like my last checking account through XXXX. He tells in that he has authority over my financial decisions and they hide it from me and this is completely illegal! This man is a XXXX from my past and he is promising them financial gain by helping him follow me. I'm at a within and I need the government help but no one wants to investigate. I'm contacting you cuz there's a lot of money at stake and millions of dollars have been stolen from me without my knowledge and tell now. Just checking courthouse is around the country he has been busy and in all cases I am unaware and just didn't show up. The judge signs off after a few visits with giving it XXXX of the spouses the assets upon XXXX XXXX XXXX XXXX XXXX  Since he IRS is started the investigation I've had 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  if I did not go along with the IRS investigation and I need help! I see he is using ID.Me to log into my IRS accounts and now is possibly altering my XXXX and social security. 
I have the data and footprints but I need a government agency that will just take a moment to look over my life and see how bad the stuff has been planning this con for over decade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
They keep sending messages and calling constantly and I have told them to stop but ignoring my request to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hereby file this complaint to demand enforcement action against the credit reporting agencies and financial institutions for their willful and unlawful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the GrammLeachBliley Act ( GLBA ), 15 U.S.C. 6801, which guarantees the protection of consumers financial privacy. 

Despite my submission of valid documentation and requests for correction, the agencies have knowingly refused to block or remove inaccurate and unauthorized entries, in direct contravention of federal law. My consumer report was obtained, disclosed, and used for impermissible purposes in violation of 15 U.S.C. 1681b, and such actions represent a clear breach of my privacy rights protected under the GLBA. 

Their continued inaction constitutes a blatant disregard for statutory obligations and consumer privacy protections. This misconduct has caused substantial and ongoing harm to my financial standing and reputation. I am exercising my rights under the GLBA to demand that my nonpublic personal information be safeguarded and not used, shared, or disclosed without my explicit consent. 

I demand immediate and forceful corrective action by the Consumer Financial Protection Bureau, and I place all parties on notice that I am prepared to pursue full litigation and damages without further delay should these violations persist.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws.

This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B.

No notice of any due date or missed payment was received, violating fair notice requirements under the law.

Accounts in Dispute : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2025-11-05 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: MA

Complaint narrative:
I am submitting this letter to once again address an ongoing inaccuracy that continues to appear on my Equifax, Experian and TransUnion credit report regarding my XXXX account. Despite my prior disputes and repeated requests for correction, the late payment notation associated with this account remains unchanged. This is now my third formal attempt to have this matter properly reinvestigated and corrected, as the current reporting continues to misrepresent my payment history and overall creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2025, American Express suddenly and without warning closed both my XXXX and XXXX XXXX accounts. I have been a loyal customer for over three years, always making payments on time and maintaining a perfect record. This decision came as a complete shock, as I have never missed a payment or acted irresponsibly with my accounts.

I have made a few disputes in the past, but each was made in good faith. I would never intentionally misuse the dispute process or jeopardize my relationship with American Express. After contacting both the Disputes department and the Account Services department, each confirmed that they did not see any valid reason for my accounts to be closed. I have these conversations on record, though the files are large, and despite this, my accounts remain closed with no clear explanation provided. 

To make matters worse, I lost over XXXX Membership Rewards points that I earned through years of responsible card use. This feels deeply unfair and disheartening, especially given my long-standing loyalty. I am simply requesting that my accounts be reinstated and my XXXX points restored. I have acted with honesty and integrity throughout my time as a customer and believe I deserve fair treatment and the opportunity to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct. ending XXXX ) Account Status : Charge-Off but Balance reported as {$0.00}. 
Date of First Delinquency : XX/XX/XXXX, yet account shows Closed XX/XX/XXXX a clear date inconsistency. 
Multiple conflicting comments : Paid Charge-Off, Account Paid for Less Than Full Balance, Consumer Disputes After Resolution. 
These reporting contradictions violate FCRA 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

XXXX 2. XXXX XXXX XXXX XXXX ( Acct. ending XXXX/ Original Creditor : XXXX XXXX XXXX XXXX ) Balance increased from {$690.00} to {$740.00} with no recorded payments or supporting data. 
Status remains Unpaid despite Consumer Disputes Reinvestigation in Progress.

Missing or incomplete Last Payment Date, and unverifiable Date of First Delinquency. 
These irregularities indicate a lack of verifiable and consistent documentation under FCRA 1681i ( a ).

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 2025-11-05 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: PA

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law.

You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such.

You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees.

Fraudulent Accounts and Inquiries ( Already Documented ) : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
I am submitting to dispute and request the removal of obsolete and inaccurate accounts appearing on my credit report. I recently reviewed my report and noticed that certain accounts are still being reported in a manner that does not reflect their true and current status. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$710.00} Under FCRA 605 ( a ) ( 15 U.S.C 1681c ), credit reporting agencies are prohibited from reporting obsolete information that is more than seven years old from the date of the first delinquency ( DOFD ). I believe one or both of these accounts fall under that category or have not been updated properly to reflect their accurate age and status. Additionally, FCRA 623 ( a ) ( 5 ) requires furnishers to report the correct Date of First Delinquency ( DOFD ). If this date is incorrect, it could cause an account to remain on file longer than permitted by law. I request that you verify this date and ensure it is accurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
This reporting is inaccurate. The timeshare associated with this account was an account closed-charge/off and should not have been coded as a foreclosure under credit reporting standards. Please review your internal records and update the credit bureaus to reflect the accurate status of the account. Acceptable reporting should read as Account closed charge/off or Deed in lieu / voluntary surrender, not foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-05 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law XXXX 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 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America closed my checking account and has owed me money for seven months. To this day, I still haven't received my XXXX dollars. 

In XX/XX/year>, when I accessed my Bank of America account, I discovered my checking account had been closed without explanation. I visited the bank to request a change of address for incoming checks. They informed me that after updating my address, it would take one month to receive the check. However, by XXXX, I still hadn't received the check I was entitled to. I returned to the bank to demand the check, and they promised to mail it within two weeks. Yet, I still haven't received it. In XXXX, I went to the bank again to request the check. They said they would mail it to me within ten business days. Now, ten business days have passed, and I still haven't received my check.

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 2025-11-05 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: VA

Complaint narrative:
I am writing to express my continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

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 2025-11-05 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: TX

Complaint narrative:
Good day, I am wri

ting to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-05 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 writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : 1. Account Name : DEPTEDXXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1400.00} 2. Account Name : DEPTEDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$37000.00}

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