vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions IncXXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-10-22 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: FL

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA 1. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Identity Theft XXXXXXXX XXXXXX/XX/year> This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2025-10-22 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: CBC Companies, Inc.
State: LA

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 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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-22 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: FL

Complaint narrative:
I am filing this complaint against navy federal due to their mishandling of a dispute claim I submitted and their ongoing failure to provide supporting documentation regarding the decision made on my claim. 
On XX/XX/year> I submitted a claim to navy federal of unauthorized transaction, and or fraud. The bank denied the claim without offering any explanation or documentation to support their decision. 
I then filed a formal appeal on XX/XX/year> requesting a review of the decision and copies of all documents, records, and evidence used to evaluate my original claim, as is my right under the law. Despite repeated follow-ups, I have not received any of the requested documents or a meaningful response from the bank. It appears that the bank did not adequately investigate the claim in the first place, nor have they complied with my appeal request. 

This lack of transparency and failure to investigate the claim violates my rights under Regulation E and constitutes extremely poor customer service.

I am requesting the CFPB to assist in compelling navy federal to : Provide a full explanation and all documentation used in the original claim decision. 
Properly review the appeal and provide a timely resolution. 
Ensure that proper investigative procedures are followed in accordance with consumer protection laws. 
Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On my Equifax credit report, there are XXXX hard inquiries from FACTUAL DATA dated XX/XX/XXXX and XX/XX/XXXX. 
These inquiries are not connected to any open or active credit account and were made without my written authorization or any permissible purpose as defined under the Fair Credit Reporting Act ( FCRA ). 

I never applied for credit, financing, or any service with FACTUAL DATA or any affiliated company that would justify these inquiries. 
Because these inquiries did not result in an approved or existing account, they are unauthorized and inaccurate entries on my credit file. 

These inquiries violate my rights under the following sections of the FCRA : 15 U.S.C. 1681 Section 602A : Consumers have the right to privacy regarding their credit information.

15 U.S.C. 1681b ( Section 604A ) : A consumer report may not be furnished without the consumers written authorization or a legitimate permissible purpose.

15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known or believed to be inaccurate.

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

I am requesting that Equifax investigate and delete these unauthorized inquiries immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Can we do " pay-for-delete '' agreement? please advise i want to be able to build a nice life for my kids for a new home this year and i really need this off my credit. Can someone assist? please this is emotionally taking a toll on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX XXXX XXXX purchased a XXXX White XXXX XXXX XXXX XXXX from Carvana Auto Sales for the amount of {$37000.00} paid by electronic transfer from my XXXX XXXX  Account to Carvana 's XXXX XXXX, and I never received the vehicle or the title from the purchase. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-22 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Revenue, Inc.
State: MD

Complaint narrative:
EASTERN REVENUE INC is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERN REVENUE INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX XXXX. XXXX ( a ) ( 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 2025-10-22 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:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating XXXX XXXX. XXXX ( a ) ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: OK

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANKRUPTCY - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX I received a notification inside my banking app saying that my account would be closed in 45 days for a reason not disclosed. I went to the bank shortly after and spoke with a manager that told me he didn't see any notes as to why it was closed. I told him that i recently deposited a check of the amount of {$800.00} that I received from the cleaners because they damaged my clothes. i showed him the messages between me and the cleaners and the time stamps as to when i deposited it. the only reason i made him aware of that is because I'm familiar with how banks handle checks that get deposited. the date for the check was XXXX but i deposited on XXXX. He then stated that that may have been the reason, but he wasn't sure. My bank account is linked to my trading brokerage and I can't withdraw my funds from my trading brokerage because they blocked my account prior to the 45-day period that they originally gave me.

The decision that they are making is disrupting my life in ways they don't understand. not only can i not withdraw from my trading account because of this but they also wont give me access to what's left in my account until the review status is 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 explanation
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I am writing to formally dispute the accuracy and legitimacy of the XXXX XXXX account currently being reported on my TransUnion, Equifax and Experian credit file. The account shows as charged off with a {$3300.00} balance, opened on XX/XX/XXXX, and closed shortly after. I have serious concerns that this account information may be inaccurate or the result of identity compromise related to the TransUnion data breach of XXXX, which exposed sensitive consumer data. 

Also, I am submitting this formal dispute regarding the XXXXXXXX XXXX XXXX account being reported on my TransUnion, Equifax and Experian credit file. The entry shows an auto loan charged off with a balance of {$9900.00} and an alleged {$21000.00} written off. I believe this account contains inaccurate, unverifiable, and potentially compromised information connected to the TransUnion, Equifax and Experian data breach of XXXX, which publicly exposed consumer personal information. 

Under 15 U.S.C. 1681i and 1681s-2 of the Fair Credit Reporting Act ( FCRA ), TransUnion, Equifax and Experian is legally obligated to ensure all reported data is accurate, complete, and verifiable. The reported details on this XXXX XXXX XXXX account raise significant red flags, including : Account opened XX/XX/XXXX, then charged off in an unusually short period, inconsistent with standard auto loan terms. 

Reported joint responsibility but without verified co-borrower data. 

Reported as closed and charged off while still showing active past due balances, which is contradictory. 

Data updates occurring after the confirmed XXXX TransUnion breach, during which consumer credit files were potentially altered or exposed. 

Because of the XXXX data breach and the questionable nature of this accounts reporting pattern, I am demanding a full reinvestigation and validation directly from the original creditor ( XXXX XXXX XXXX ). If TransUnion, Equifax and Experian can not verify, with documented proof from the furnisher, that this information is both accurate and authorized, then this account must be deleted immediately from my credit file under FCRA 602 ( A ), 605B, and 611.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
In XX/XX/year>, I paid my Target credit card in full. Later I found a 30-day delinquency reported for a {$1.00} past-due balance I was never notified about. I received no email, call, or mailed notice. Because I didnt know about the balance, a {$30.00} late fee was added and my account was reported late. 

I called Target Credit Services ( TD Bank ) and asked for a record of payments, amounts owed, and copies of any communications sent about the {$1.00} balance. The representative said they could not provide that information. I also asked to speak to a supervisor or anyone who could help, but was told I wasnt allowed to because the reporting was accurate. When I asked again, I was hung up on. 

This situation seems unfair given the tiny balance, lack of notice, and refusal to provide records or escalation. Im requesting the CFPB review this as an unfair billing and reporting practice and ask that the late fee and 30-day delinquency be removed as a goodwill correction.

Company response to consumer: Closed with monetary relief