vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: DC

Complaint narrative:
There is a fraudulent account on my credit report from XXXX XXXX XXXX XXXX XXXX However, I do not have any collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report I can provide to support this. Please see attached documents. I request to remove this account 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 2025-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
XXXX ) My property is located at XXXX & XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Ca XXXX. 
XXXX ) In XX/XX/year> Columbia bank merged with XXXX XXXX XXXX ( XXXX ). My {$6.00} M mortgage was with XXXX. In XXXX I lost XXXX tenants. XXXX XXXX moved out ( $ XXXX / mo ), XXXX XXXX Bank moved out ( $ XXXX ) plus XXXX moved XXXX ( {$3700.00} ). 
XXXX ) I asked for note modification based on hardship. 
XXXX ) Everything was going well with PPB as they requested multiple documents that I provided, until Columbia staff came into picture. I had three sets of conference calls. And I provided ALL they asked for. I specifically said that I am cancelling the XXXX ACH for XXXX. I sent several emails to the CEO of Columbia bank XXXX XXXX ) All of the sudden, I received a letter from their attorney XXXX XXXX XXXX from XXXX. 
The letter indicated that I have to pay {>= $1,000,000} as the result of default!! 
XXXX ) I filed a complaint against the attorney to XXXX XXXX as to why, the letter did not say that I have the right to reinstate. XXXX, XXXX XXXX XXXX XXXX ) The individuals involved XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX I WAS LATE ONLY 14 DAYS AS COLUMBIA BANK WAS MISLEADING ME THAT THEY WILL MODIFY THE NOTE... FOR GOD 'S SAKE I TOLD THE CEO THAT I AM IN HARDSHIP HAVVING LOST {$35000.00} A MONTH AGAINST THEIR MORTGAGE OF {$38000.00}

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 2025-10-31 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: AR

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 XXXX  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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kovo
State: TN

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX To : Consumer Financial Protection Bureau ( CFPB ) I submitted a dispute to Kovo regarding inaccurate late-payment reporting for my closed account. 
Kovo acknowledged my dispute but refused to provide any verification documentation as required under the Fair Credit Reporting Act ( FCRA 611 and 623 ).

Instead, Kovo restated that their reporting is accurate but provided no payment records, method of verification, or documentation supporting their claim. This constitutes non-compliance with their duty to conduct a full reinvestigation under the FCRA. 

I am requesting that the CFPB ensure that Kovo either supplies proper verification documentation or removes the inaccurate late-payment history from my credit file. Please find attached all related correspondence showing XXXX refusal to verify and my original dispute letters. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
Dear Equifax, I kindly request your assistance in reviewing the following accounts. I am simply trying to ensure that all items on my report are accurate, fair, and fully verified in compliance with the FCRA. 

Accounts in Question : XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$11000.00} XXXX  XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$2200.00} XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$5900.00} XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$5000.00} XXXX XXXX Account No. XXXX, Date : XX/XX/XXXX, Amount : {$0.00} Some of the information listed appears inconsistent or incomplete, particularly the duplicate XXXX XXXX tradeline showing both a balance and a XXXX balance for the same account. I am requesting verification of all details such as the current balance, charge-off date, and account status. If any of the data can not be verified through original creditor records, please remove or update the tradeline as required by FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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:
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 XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
These accounts are not mine and should be eliminated within 15 days per USC 1681g.

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 2025-10-31 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:
I am submitting this third-round dispute because my credit report with TransUnion continues to contain inaccurate, outdated, and unauthorized personal information, including incorrect name variations and invalid addresses that I never provided or approved. Despite my two previous disputes and the submission of proper documentation, these errors remain uncorrected, constituting ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ). 

I have again attached copies of my government-issued ID, Social Security card , and proof of current address to verify my true and accurate personal information. 

My only legal name is XXXX XXXX, as it appears on my official identification and Social Security records. Any other name variation listed on my credit file is false, unauthorized, and must be permanently deleted. 

My only valid and current address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any other address on file is outdated, unverifiable, or inaccurate, and must be immediately removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), TransUnion is legally required to ensure maximum possible accuracy and to delete unverifiable data after reinvestigation. Your continued failure to correct these inaccuracies after multiple disputes constitutes willful noncompliance and a direct violation of federal law, including : 15 U.S.C. 1681e ( b ) Duty to maintain reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681n & 1681o Establish liability for willful or negligent noncompliance with the FCRA.

For all these reasons, I am formally demanding an immediate and permanent correction or deletion of all inaccurate personal information from my credit file. 
This letter serves as final notice and a formal demand for compliance. 
If TransUnion fails to take corrective action promptly, I will proceed to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the State Attorney Generals Office, and I will pursue all available legal remedies for damages under the FCRA. 

I appreciate your immediate attention to this matter and request written confirmation once all corrections have been completed.

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 2025-10-31 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I see an inquiry from this company that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Towards the end of XX/XX/year> I called Navy FCU mortgage department and asked about deferring my XX/XX/XXXX payment to the account. I told the person that the house was being sold and was scheduled to close on XX/XX/year> and that I would like to defer the XXXX payment until the closing if possible because the government shutdown was probable and I was moving to a new apartment and needed cash for XXXX and last month rent, deposit, fees, and moving expenses. The lady from NFCU told me that I could just not make the XXXX and XXXX payments and that as long as NFCU received the money by XX/XX/XXXX I would not get reported to the credit bureaus as XXXX  days late. I asked her to say that again and clarify, no late reporting if paid by XX/XX/XXXX. She did then say yes, no reporting as late if received by XX/XX/XXXX. The following week or so I called the NFCU mortgage department and asked someone else the same question and was told the same thing, no credit bureau reporting if payment made by XX/XX/XXXX. First or XXXX week of XXXX NFCU started calling me once a week about the late payment and when I told the caller each time that the house was closing on XX/XX/XXXX. I also asked each time about not being reported because the payoff would be before XX/XX/XXXX and they all said that was correct. Today, XX/XX/year>, I got an email from NFCU mission credit confidence that there was a delinquent account reported to transunion. I checked my XXXX XXXX and both my transunion and XXXX scores dropped XXXX points due to there being a XXXX  day late payment on the NFCU mortgage. I did what NFCU people told me to do and they repeatedly told me my credit would not be impacted.

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 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Dave Operating, LLC
State: IN

Complaint narrative:
My XXXX XXXX  account was locked due to security and XXXX is withholding over {$300.00} of my money. Support claims it is escalated and there is nothing more they can do. They refuse to give a timeline or access to my funds and XXXX woman even hung up on me multiple times. I want my account unlocked and my money released immediately as I will face financial hardship if not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: PA

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX Account number : XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX- Inquired on XX/XX/XXXX XXXX XXXX XXXX- Inquired on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ask Chase Bank why are you charging me if I didnt go over the {$50.00}, they told me XXXX under a different overdraft, definitely couldnt believe what I was hearing, totally confused me and XXXX  help me understand why, all they kept saying is you signed it XXXX XXXX XXXX very unprofessional and unfair

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-31 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: CA

Complaint narrative:
Please review this record ; its late and potentially faulty.

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 2025-10-31 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: CA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  XXXX  involved. Please review the uploaded letters.

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 2025-10-31 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:
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-10-31 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 submitting this third-round dispute because my credit report with Equifax continues XXXX contain inaccurate, outdated, and unauthorized personal information, including incorrect name variations and invalid addresses that I never provided or approved. Despite my previous disputes and submission of proper documentation, these errors remain uncorrected, constituting ongoing noncompliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached copies of my government-issued ID, Social Security XXXX XXXX and proof of current address to verify my true and accurate personal information. 

My only legal name is XXXX XXXX XXXX, as it appears on my official identification and Social Security XXXX. Any other name variation listed on my credit file is false, unauthorized, and must be permanently deleted. 

My only valid and current address is : XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX Any other address on file is outdated, unverifiable, or inaccurate, and must be immediately removed from my credit report. 

Under the FCRA, Equifax is legally required to ensure maximum possible accuracy and to delete unverifiable data after reinvestigation. Your continued failure to correct these inaccuracies after multiple disputes constitutes willful noncompliance and a direct violation of federal law, including : 15 U.S.C. 1681e ( b ) Duty to maintain reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 5 ) Requirement to delete or correct inaccurate or unverifiable information after reinvestigation.

15 U.S.C. 1681n & 1681o Establish liability for willful or negligent noncompliance with the FCRA.

I am formally demanding an immediate and permanent correction or deletion of all inaccurate personal information from my credit file. 
This letter serves as final notice and a formal demand for compliance. 

Please provide written confirmation once all corrections have been completed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: IL

Complaint narrative:
I hope you can kindly assist me with a fair and complete review of the following accounts and inquiries. I am just trying to clean up my credit and make sure all information is accurate and verifiable as required by law. 

Accounts in Dispute ( Charged Off ) : XXXX Acct XXXX. XXXX Reported XX/XX/XXXX XXXX {$0.00} XXXX XXXX Acct XXXX. XXXX Reported XX/XX/XXXX XXXX {$3100.00} XXXX Acct XXXX. XXXX Reported XX/XX/XXXX Balance {$0.00} Inquiries in Question : XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Late Payment Accounts for Verification : XXXX XXXX Acct No. XXXX XXXX XXXX Acct XXXX. XXXX XXXX Acct XXXX. XXXX XXXX Acct XXXX. XXXX XXXX Acct XXXX. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DailyPay, Inc
State: CO

Complaint narrative:
XX/XX/year> a XXXX next day transfer-transaction ID XXXX was initiated from prepaid debit card ending in XXXX associated with account number XXXX in the amount of {$300.00} to external designated account ending in XXXX. The external account ending in XXXX was added to XXXX XX/XX/year>. At some point after initiating the XXXX next day transfer the designated account was changed to an account ending in XXXX. This was noticed when funds were not deposited next business day to account XXXX on XXXX XXXX, 2025 after reviewing prepaid debit card transaction history. XXXX XXXX and XXXX department was immediately notified and associate, XXXX XXXX, initiated an investigation for transaction ID XXXX. Case number for the investigation is XXXX. 
XXXX provided was reversal of the XXXX transfer yet XXXX made accusation the modification to external designated account ending in XXXX to XXXX was made by user. This accusation in incorrect as no modification to account ending in XXXX has been made at all since initially adding the account XX/XX/year>. A request to escalate a complaint was made, unfortunately is not possible. According to online associate a complaint/resolutions department does not exist for XXXX. The only option is to email concer to XXXX.

Company response to consumer: Closed with explanation