vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My debit card and account information were compromised, I believe to be from a prior cell phone being unlocked leaving my personal accounts, email and debit and credit cards information vulnerable for theft, on or about, XX/XX/year>. I explained to Navy Federal fraud department that I never authorized transactions disputed to be charged nor did I have any prior business, account subscriptions with the companies where there were charges made. I was informed in writing that only and internal review was made on my account, and it was determined to have been valid charges despite my efforts and statements informing that the cards were never authorized to be charged. I was also able to reach one of the companies who verified that I do not have an account with them and Navy Federal Credit Union is still refusing to reversal the funds that were taken from my account without my knowledge or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-21 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-21 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-07-21 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: TX

Complaint narrative:
I have no knowledge of these unauthorized activities. Please review and address the matter. Documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to formally dispute certain hard inquiries that are currently reflected on my credit report. I have not authorized or initiated any such inquiries, and I have no existing business relationship or credit application that would justify their presence.

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 2025-07-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I am disputing a debt placed by MRS BPO on behalf of XXXX XXXX. I purchased an XXXX XXXX XXXX from XXXX on an installment plan but returned it in full within their XXXX return policy. The XXXX store processed the return, and I received a full refund receipt showing a {$1000.00} device reversal. 

Despite this, XXXX failed to register the return properly in their system, and the full balance was forwarded to MRS BPO for collections. 

I have contacted XXXX and MRS BPO and provided the return receipt showing the exact device, serial number, refund, and date ( XX/XX/year> ), yet the debt remains in collections. I acknowledge I may have missed a one-month installment before the return was processed, but I am not responsible for the full amount of {$1200.00}. 

This error is negatively affecting my credit report, and I am requesting that CFPB investigate, verify the return, and ensure that the inaccurate portion of the collection is removed or corrected.

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Dave Operating, LLC
State: CO

Complaint narrative:
Issue : Unauthorized transfer or withdrawal Company : Dave Inc. 
What happened : On XX/XX/year>, I formally revoked ACH and debit card authorization from Dave Inc. under the Electronic Fund Transfer Act ( Regulation E ). I submitted a written notice via email, which included my full identifying information. I clearly stated that all electronic withdrawals were revoked effective immediately.

Dave initially acknowledged my message, requested additional identity verification, and then responded on XX/XX/year>, saying they would still process an ACH withdrawal because I had a pending ExtraCash advance from XX/XX/XXXX in the amount of {$320.00}, with a scheduled debit on XX/XX/XXXX. They claimed this one-time agreement could not be canceled.

However, Regulation E clearly states that consumers may revoke authorization for any EFT at any time, regardless of prior agreements. Daves refusal to honor my revocation, and their stated intention to debit my account against my wishes, is a clear violation of the law. 

I replied again on XX/XX/XXXX to reiterate my revocation and warned that any further attempts would be unauthorized. The company has not acknowledged compliance.

The scheduled debit is pending, and I am preparing to dispute it with my bank. I am requesting the CFPBs help to stop this unauthorized transfer and ensure Dave complies with federal banking regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: VA

Complaint narrative:
T

his is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
CFPB Complaint Inaccurate Reporting on Closed Account ( XXXX XXXX XXXXXXXX ) To whom it may concern, I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting on my consumer file related to a XXXX XXXXXXXX XXXX credit card account ( account ending in XXXX / XXXXXXXX XXXX XXXX  ) that was closed in XX/XX/XXXX, yet is still being reported as active and derogatory by Equifax, XXXX XXXX XXXX 

Details of the Inaccuracy : The account was closed in XX/XX/XXXX, yet all three credit bureaus continue to report : Late payments in XXXX XXXX / XXXX " Last activity '' and " last payment '' dates in XXXX and XXXX Updates as recent as XX/XX/XXXX ( Equifax ), XX/XX/XXXXXXXX XXXX XXXX XXXX, and XX/XX/XXXX XXXX XXXX XXXX  This reporting violates my rights as a consumer under federal law and is causing ongoing harm to my credit reputation and financial opportunities.

Applicable Laws Being Violated : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information. Reporting payments or activity after a verified closure date is inaccurate.

1681i ( a ) Reinvestigation of Disputed Information If a consumer disputes information, the bureau must investigate and delete or correct any unverifiable or inaccurate data within 30 days.

1681s-2 ( a ) ( 1 ) ( A ) Duty of Furnishers to Provide Accurate Information Data furnishers like XXXX XXXX  XXXX may not report information they know or have reasonable cause to believe is inaccurate.

1681s-2 ( b ) Duties After Notice of Dispute After receiving notice of a dispute from a credit bureau , the furnisher must conduct a proper investigation and correct or delete any false data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
have no connection to these inquiries. Please launch an investigation and take appropriate steps.

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 2025-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX XXXX deducted XXXX from my account and within an hour refunded the {$58.00}. XXXX shows everything refunded in their system, nothing left for them to do and cash app is not returning the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AZ

Complaint narrative:
I recently looked at my credit report from TransUnion and I found several hard inquiries that are the result of identity theft.

These inquiries were not authorized by me and should be removed.

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these inquiries must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquires have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

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 2025-07-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I found multiple collection and charge-off accounts that are either inaccurate, outdated, duplicated, or entirely unverifiable. These accounts are damaging my creditworthiness and violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Despite previous dispute submissions, your agencies have failed to properly validate or remove the following inaccurate entries : Charge-off accounts are being reported without providing any original signed contracts, full account histories, or legally required documentation to prove the accuracy or legitimacy of the debts.

Several collection accounts are duplicated across different bureaus, with inconsistent dates, statuses, or balances, indicating faulty or automated reporting.

Some accounts still show as delinquent, unpaid, or charged off, even though they were already paid, settled, or no longer legally collectible.

Certain accounts were never authorized by me and do not align with my known or verifiable credit activity.

Some entries are marked as dispute resolved consumer disagrees without any factual reinvestigation or evidence provided to justify continued reporting.

I have made multiple attempts to resolve these discrepancies amicably and in accordance with the FCRA, yet my rights to a fair and accurate credit report have been continuously disregarded. If these unverifiable and inaccurate items are not removed or corrected immediately, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue civil legal action if necessary.

I demand that these accounts be deleted or corrected immediately and expect a written confirmation of your resolution within 15 days from the date of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 Experian

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