vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: TN

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this t
itle, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-05 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: TX

Complaint narrative:
Im writing to demand immediate action regarding the inaccurate and damaging items on my credit report. Discovering these entries has caused extreme emotional distress. Ive lost sleep, struggled to focus, and been overwhelmed with anxiety. This is more than an inconveniencethese errors are affecting my mental health, my ability to secure housing, and my financial stability.

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 2025-07-05 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: GA

Complaint narrative:
There are several inaccuracies on my account that needs attention

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 2025-07-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
As the duly appointed Executor over the Estate, I submit this formal complaint regarding the unlawful actions and deceptive banking practices committed by Navy Federal Credit Union ( NFCU ), which have resulted in significant financial interference, fiduciary breach, and a potential attempt to convert federally issued funds for unauthorized use. 
On or about XX/XX/2025 a lawfully issued U.S. Treasury check was deposited into the Navy Federal account associated with the Estate. In compliance with due diligence, the check was immediately verified through the Treasury Check Verification System ( TCVS ) and confirmed as cleared and paid by the U.S. Department of the Treasury. Despite this verification and the legal mandates of 12 CFR 229.10 ( c ) ( 1 ) ( i ) ( Regulation CC ) requiring next-business-day availability, NFCU unilaterally imposed a five-business-day hold on the fundsthen without lawful exception or written justification continued the hold. 
When questioned, NFCU representatives stated that they were awaiting a call from the IRS before releasing the funds. This is neither their legal role nor their right. NFCU is not an enforcement arm of the Internal Revenue Service, and their imposition of extrajudicial review constitutes a blatant breach of fiduciary duty and an act of unauthorized interference with Treasury-disbursed property.

The deliberate withholding of cleared government fundsespecially after verification through TCVSraises serious concerns of intent to convert, delay, or exert unauthorized dominion over sovereign financial instruments. This delay interfered with the Estate 's lawful obligations and caused both economic damage and administrative hardship. The conflicting and evasive conduct by NFCU staff indicates systemic noncompliance, not isolated error.

________________________________________ Violations Identified : Violation of Regulation CC ( 12 CFR 229.10 ) Deceptive and abusive banking practices Fiduciary breach and unauthorized control over government-issued funds Violation of consumer financial rights under Dodd-Frank Act 1031 ( UDAAP ) Disregard of TCVS-confirmed payment status ________________________________________

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-07-05 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: One Source Technology
State: FL

Complaint narrative:
Subject : URGENT Formal Dispute Under FCRA Section 605b - Immediate Removal of Inaccurate Eviction Information To Whom It May Concern, This is an urgent and formal demand for the immediate removal of fraudulent and inaccurate information on my credit report, as permitted under Section 605b of the Fair Credit Reporting Act ( FCRA ).

This section requires the removal of information resulting from identity theft upon receipt of valid documentation. Attached, you will find my FTC Identity Theft Report, which provides clear evidence of this fraudulent entry. 

Disputed Eviction : The following eviction listed on my credit report is fraudulent and must be removed without delay : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Case Disposition : Court Location : Judgment Amount : {$0.00} Filed Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  This eviction is the result of identity theft, and its continued presence on my credit report is unlawful. It must be permanently deleted immediately. 

This fraudulent entry is causing severe and unjust harm to my financial standing and credibility. 

Under the FCRA, you are obligated to investigate and remove this entry promptly. I am demanding that this inaccurate information be deleted within FOUR ( 4 ) DAYS of receiving this letter. Failure to comply with this request will result in an immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), state attorney general, and legal counsel for further action. 

Supporting Documentation : To assist in your investigation and to remove any possible delay, I have included the following documents : 1. 2. 3. 4. A copy of my government-issued ID ( e.g., drivers license or passport ) A copy of a utility bill or another proof of my current address A copy of the FTC Identity Theft Report A copy of my Social Security card ( if required ) Your failure to resolve this issue within the stated timeframe of four ( 4 ) days will be considered non-compliance with federal law. I expect written confirmation of the removal of this fraudulent information by the deadline. Your response must be sent to the address provided above. Any additional requests for information or delays will not be tolerated. 

This matter is of the utmost urgency, and I trust you will address it accordingly. Do not underestimate the seriousness of this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/year> purchase of replacement batter. The towing company technician replaced the battery. However, he cut the wire, which caused the other wire circuit damaged. The technician attempts to avoid admit the work he wasn't supposed to do besides the replacement work. XXXX XXXXXXXX XXXX should be responsible for the damaged to my car their employee disobeyed their work procedure. {$210.00}. The company tries to hide their mistake that they can't have their employees comply their company policy so that they can gain profit from the consumer while running away from reliability. 

At the same time, Discover credit company employees have no capacity to do the investigation work and close the case for laziness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im trying to purchase a home, but mismatched personal information on my credit report is causing serious delays. My name and other details dont align with my ID and other documents.

Ive included the letters and ID needed to update everything. Fixing this would help me move forward with both my home and future business plans. These errors have affected my life, and Im hoping they can be corrected soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc
State: WV

Complaint narrative:
XXXX University referred a debt to collections in the amount of {$5500.00}, claiming I owed this balance. When I formally disputed the debt and requested documentation under the Fair Debt Collection Practices Act ( FDCPA ), I received only a basic electronic balance verification letter from the collector, Williams & Fudge. 

The letter was signed by a Student Accounts Coordinator at XXXX University, stating that I completed the Master Promissory Note and Entrance Counseling but no actual documents were provided to support this claim. The response included : No itemized statement No promissory note No financial aid ledger No refund records or class participation verification No disbursement record from the U.S. Department of Education The lack of supporting evidence and the failure to provide actual financial records raises serious concerns about the legitimacy of the debt. I believe this collection effort is based on a phantom balance, unsupported by federal loan data, and may constitute a violation of federal collection and consumer protection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: SC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially
disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I was previously listed as an authorized user on a Bank of America credit card ( account ending in XXXX ). I requested to be removed, and Bank of America confirmed I was removed on [ XXXX XXXX ]. Despite this, the account is still reporting on my credit report, and I am not financially responsible for it. I have disputed the account with [ XXXX ] XXXX but it remains. I am requesting the CFPB to assist in having this account removed from my credit reports.

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 2025-07-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: KS

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them.

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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