vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and a fraudulent account from XXXX ( Acct # XXXX ) is being reported on my credit report without my authorization, in violation of my rights under FCRA 605B, 611, 604, and 1681 ( a ) ( 4 ). 

Timeline : XX/XX/2025 : I discovered an unfamiliar account from XXXX appearing on my credit reports. 

XX/XX/2025 : I filed an FTC Identity Theft Report ( # XXXX ) and took steps to secure my identity, including filing a police report and placing fraud alerts. 

XX/XX/2025 : I sent formal disputes to Experian, TransUnion, and Equifax requesting immediate deletion of this fraudulent account under FCRA 605B. 

XX/XX/2025 : Despite my submission of an identity theft report and supporting documentation, this fraudulent account remains on my credit file, harming my credit score and violating my rights. 

Personal Impact : This fraudulent account has : Lowered my credit score, impacting my ability to secure safe housing and fair interest rates. 

Created emotional distress and ongoing fear regarding the misuse of my identity. 

Wasted significant time as I have had to repeatedly send disputes and monitor my credit for further fraudulent activity. 

Exposed me to continued privacy and security risks while retaining data tied to a crime where I am the victim. 

Legal Basis : Under FCRA 605B, upon receipt of an identity theft report, credit bureaus must block fraudulent information within 4 business days.

Under FCRA 611, you are required to conduct a reasonable reinvestigation within 30 days and provide written results.

Under FCRA 1681 ( a ) ( 4 ), I have the right to privacy regarding my consumer file, and retaining data from an identity theft incident violates that right.

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 2025-07-10 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: MI

Complaint narrative:
b'I am filing this complaint regarding inaccurate personal information reported by the credit bureau. My correct name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I want this to be the only address shown on my credit report.\n\nThere are multiple old and incorrect addresses still listed on my file. I am requesting the removal of the following:\n1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX4XXXXn\nThese addresses are outdated and should not appear on my report.\n\nI am also requesting the removal of the following outdated employer:\n1.\tXXXX XXXX XXXX XXXX\n\nThese errors violate the Fair Credit Reporting Act (FCRA) and the Privacy Act of 1974. Please update my report to reflect accurate and current personal information only.\n\nThank you.'

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 2025-07-10 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: MI

Complaint narrative:
I am filing this complaint regarding inaccurate personal information reported by the credit bureau. My correct name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. I want this to be the only address shown on my credit report. 

There are multiple old and incorrect addresses still listed on my file. I am requesting the removal of the following : XXXX. XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX These addresses are outdated and should not appear on my report. 

I am also requesting the removal of the following outdated employer : XXXX. XXXX XXXX XXXX. 
XXXX. XXXX These errors violate the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. Please update my report to reflect accurate and current personal information only. 

Thank you.

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 2025-07-10 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'm not liable for this debt with XXXX XXXX XXXX and I do not have a contract with XXXX XXXX XXXX, these accounts do not belong to me. Account XXXX XXXXXXXX with a total of XXXX and Account XXXX XXXXXXXX with a total of XXXX. Please Delete these accounts from 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX XXXX Balance : {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$310.00}, XXXX XXXX XXXX XXXX Balance : {$5400.00}

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 non-monetary relief
Consumer complaint received 2025-07-10 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: NY

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NY XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX  XXXX XXXX A - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MN

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XXXX XXXX I woke up to my NAVY FEDERAL ACCOUNT being overdraft XXXX. I called navy federal and asked " why is my account overdraft XXXX ''. The lady on the phone tell me because " I overdraft my account by XXXX '' we I explained that I infact did not overdraft my account. The representative on the phone say and I quote '' you didn't have XXXX dollars in your account '' I then respond with " Ma'am I had XXXX in my checking that I switched over to my savings last night XXXX XXXX '' the representative get quiet for 5 minutes and the comes back and say and I quote " at the time of your transfer you account only had XXXX dollars in your account, it seem our system did not update the account in time to reflect to correct balance '' I then ask the representative " then how was I allowed to switch over XXXX dollars if what you're saving actually happen the transfer from my checking to my savings wouldn't have went through. You system would not have allowed it '' The representative responds with " correct ''. I then ask " so how was the transfer allowed to go through If I so call did not have the money in my checking account '' the representative on the phone tells me " the timing on navy federal system was off and did not reflect at the time of the transfer the correct amount in my account causing me to believe I had more money than I actually did. However I do not know why the transfer was still allowed ''. I then respond with " I dont understand I don't get it '' I hang up the phone. On XXXX XXXX I went into the navy federal banking branch. Sat down with a banker just to run through this exact conversation for two hours straight with the banker also tell me the same exact thing as the phone representative. I have screenshots of proof of transfer I have a voice recording of both of these conversations between myself and the banker and the phone representative. Along with a printed out breakdown from the navy federal bank themselves showing I actually had way more in my account that has not been accounted for ( they've hid it and I wasn't aware I actually had way more than I expected ) along with everything they tookenf and proof I had XXXX in my checking account that I transfer to my savings. And now my account is overdraft XXXX not including a random XXXX added to the XXXX for overdraft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I asked this company multiple times to delete this of my credit report because it wasnt reflecting the right name. This is the second time they added it back to my credit report up underneath I am XXXX explain them multiple times. My name is XXXX XXXX but they do not care. Follow multiple reports with the XXXX submitted them the application they still didnt delete it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I have made multiple inquiries to Huntington Bank seeking information regarding the suspension of my credit card account. During these communications, I was informed that my account had been closed and that a notice pertaining to this closure had been dispatched to my address. Despite my requests for copies of these letters, which would detail the date and reasons for the account closure, I have yet to receive any of the requested documentation. 

Consequently, Huntington Bank continues to inaccurately report that my account remains open. They are also imposing interest charges and reflecting an available credit line, both of which do not accurately represent the current status of my account. This situation raises significant concerns, as it appears that the bank is providing misleading information, including the reporting of delinquencies that do not reflect my actual financial standing. I seek to resolve this issue promptly, as it is negatively impacting my credit report and overall financial health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
They can not provide original ledger or receipt. I have proof of paid bills and notice to vacate rental property ignored and charged me extra for days vacated and over priced wear and tear items. Due to them selling to Debit collector they do not have information to settle amount as i have original documentation that the amount for {$8900.00} is not the amount owed to rental property. This company also spoke to a credit repair place XXXX XXXX XXXX ) and violated my rights in attempts to settle a debt i never agreed to the amount on ( HIPPA ). These individuals also reached out to my work place and asked if i was available to speak ( because that was a number they found for me on the internet ). I have yet to try to settle however they are not even willing too and try to use every call against me in attempts to keep this debt harmful to my credit history.

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 2025-07-10 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: GA

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 2025-07-10 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management failed to provide this documentation, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ).

Their response only included vague summary data without proper validation or legal proof of ownership, transfer, or liability. Additionally, your reporting does not comply with Metro 2 guidelines, which govern the accurate and verifiable reporting of consumer credit data.

Furthermore : This account is time-barred under the Florida statute of limitations, as the last activity occurred in or before XXXX Therefore, any collection attempt is legally unenforceable and deceptive under FDCPA 15 U.S.C. 1692e.

No valid debt verification has been provided as required by 15 U.S.C. 1692g ( b ).

Continuing to report this unverifiable and outdated debt is misleading, damaging, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
Hi, Ive reached out about a {$35.00} charge on XX/XX/XXXX thats showing as a deposit in your app, but my bank shows it was withdrawn by XXXX. I never received this money it was taken from me. Ive been trying to get clarity and a refund, but no one has helped. If I dont hear back soon, Ill need to file a dispute with my bank and report this to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
They keep notifying about old bills they have with this company

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: PA

Complaint narrative:
The accounts in question are fraudulent and do not belong to me. Under USC 1681g, I am requesting that they be deleted within 15 days. Ive included the necessary documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: MS

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account ending in XXXX. That is inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnitures but the late payments remain without proper validation or document. As 1681 S 2 a furniture must be reported accurate information under 15 USC 1681 I. The credit bureaus must perform a reasonable investigation within 30 days neither of them have provided sufficient evidence to support the negative reporting. 
In accordance with the fair credit reporting convention account ending in # XXXX has violated my rights. 
15 USC 1681 section 602 states I have the right privacy.

15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 166 B States a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: OR

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, OR XXXX INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-07-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : 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/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