vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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 am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-24 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: NY

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I did not initiate or consent to these inquiries, and they are negatively impacting my credit score and overall creditworthiness. 

The following inquiries are in question : XXXX These lenders have accessed your credit file : XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 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 XXXXXXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only occur with my explicit written consent. I have not applied for any credit with these entities and have no existing business relationship with them. Therefore, these inquiries were made without my authorization and should be considered fraudulent or erroneous. 

I have already contacted the credit bureaus and the companies listed, but the issue remains unresolved. I am now requesting the CFPB to assist in having these unauthorized inquiries investigated and permanently removed from my credit reports with all three major bureaus ( Equifax, Experian, and TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I spoke with XXXX from National Debt Relief on Friday, XX/XX/XXXX, to pay off my balance in a lump sum of {$1900.00}. During our conversation, I specifically asked whether there would be any fees or penalties if I canceled the program early. From the beginning, I was told I could cancel at any time without issue and no additional fees would be charged. Based on that assurance, I scheduled the payment. 

I followed up with phone calls almost daily for a week, trying to understand why the funds had not cleared on their end. Eventually, I spoke with a representative named XXXX, who informed me that the funds should clear by Monday, XX/XX/year>. He stated that I would most likely receive a stipulation letter and that he would submit a request for the funds to be paid in a lump sum once they had cleared. This gave me the impression that everything would be finalized without any further fees. 

However, the customer service representatives consistently provide conflicting information. On XX/XX/XXXX, I called to speak with XXXX and was told he was not in because he had worked on Sunday. Then today, I called again and was told he had already left for the day. It has become clear that these representatives are not being honest. The stories change constantly, and it feels like I am being misled at every turn. These inconsistencies further confirm my concerns about this company 's lack of transparency. 

This company operates dishonestly. They impose excessive fees, pay themselves first, and charge a 45 % interest rate before making any payments to creditors. After being told my final balance was {$1900.00}, they later added a surprise negotiation fee of $ XXXX additional fee that had never been disclosed by any of the four representatives I had spoken to. 

For example, {$1900.00} was withdrawn from my account on XX/XX/XXXX, but an additional {$170.00} was also taken on XX/XX/XXXX. Then, on XX/XX/XXXX, I was informed that the {$1900.00} had finally cleared and would be used to pay the creditor. Only at that point was I told about the {$670.00} negotiation feean undisclosed additional fee I was told I had to pay in order for the debt to be fully resolved. Although multiple representatives previously assured me that no further withdrawals would be made from my bank account, I was informed yesterday that biweekly debits of {$170.00} would continue until the {$670.00} balance was paid in full. 


This company appears to be predatory. They penalize consumers for trying to pay off debt early and prioritize collecting fees over transparency and integrity. I would not recommend their services to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and potentially unverifiable credit entry reported by Navy Federal Credit Union. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681i, I am exercising my right to request a full investigation into this account. If Navy Federal Credit Union is reporting this information, they are considered a data furnisher and must comply with 15 U.S. Code 1681s-2, which requires that all information provided to consumer reporting agencies be accurate and complete. I demand written proof validating the accuracy and ownership of this account. If Navy Federal Credit Union can not provide documented evidence that this account is valid, belongs to me, and is being reported correctlyincluding all dates, amounts, and balancesit must be removed immediately under FCRA compliance. Failure to investigate, correct, or remove unverifiable information within the 30-day window required by law will be considered a willful violation under 15 U.S. Code 1681n, and I will not hesitate to pursue all legal remedies available to me.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my file-found I have duplicate accounts in my file related to XXXX XXXX XXXX.Filed report here but still in existence as we speak.

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 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATION/XXXX ] Account Number : [ 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 2025-06-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Hi, Im filing this complaint because I was scammed while searching for a job after moving to XXXXXXXX XXXX, and my credit union has refused to help after I reported it. I was younger at the time and urgently needed work. I received a text message offering a remote job with a company called XXXX XXXX XXXX. They claimed I would receive equipment to work from home, and that all my expenses including credit card payments would be covered. 

They told me I needed to pay for equipment activation using gift cards, and I ended up spending {$500.00} out of my pocket. They said this was necessary to begin the job. I was desperate and trusted them. The person I communicated with was named XXXX XXXX. I have messages and photos as evidence. 

After waiting a long time and never receiving any equipment, I realized it was a scam and stopped communicating with them. I reported it to my credit union, but they told me they couldnt do anything for me. Meanwhile, my credit card was closed, but the balance is still increasing, and Im being charged for something I was scammed into.

Im asking for your help in reviewing this case. I believe I did everything I could once I realized what had happened. I am hoping the credit union can be held accountable for not assisting with the unauthorized and fraudulent activity on my account. 

Thank you for your time and support, XXXX XXXX XXXX This scam took place XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
On XX/XX/XXXX, I received two separate responses regarding a bankruptcy record that appears on my credit file. 

First, XXXX stated that they obtained my bankruptcy information from XXXX. However, I contacted the U.S. Bankruptcy Court, and they provided a letter clearly stating that they do not report any information to XXXX  for the purpose of credit reporting, nor do they share data with XXXX or any consumer reporting agency. This means XXXX is reporting information that was not directly provided or verified by the court. 

Second, TransUnion stated that the bankruptcy listing was verified by the court. I again reached out to the U.S. Bankruptcy Court, which confirmed in writing that they do not verify or report any information to TransUnion or any credit bureau. Therefore, the verification claim by TransUnion is false and misleading. 

I also reached out to both XXXX  and XXXX  regarding this same issue and received a response from both bureau but unable to access my account. One looks to be recieve on XX/XX/XXXX and the other XXXX both after the 30 days post my request. Their failure to investigate or respond is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and further delays the correction of this inaccurate information. 

Additionally, the information listed in XXXX  regarding the alleged bankruptcy contains inaccurate details, further contributing to the harm caused by this unverified reporting. 

I did not authorize the reporting of this information, nor was I contacted for verification before it appeared on my credit file. I believe this constitutes inaccurate and unverifiable reporting under the FCRA. 

I am requesting a formal investigation into how this bankruptcy was reported and verified, and that the inaccurate information be removed from my credit report by all involved parties.

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 2025-06-24 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:
On XX/XX/XXXX, I received two separate responses regarding a bankruptcy record that appears on my credit file. 

First, XXXX stated that they obtained my bankruptcy information from XXXX. However, I contacted the U.S. Bankruptcy Court, and they provided a letter clearly stating that they do not report any information to XXXX for the purpose of credit reporting, nor do they share data with XXXX or any consumer reporting agency. This means XXXX is reporting information that was not directly provided or verified by the court. 

Second, XXXX  stated that the bankruptcy listing was verified by the court. I again reached out to the U.S. Bankruptcy Court, which confirmed in writing that they do not verify or report any information to XXXX  or any credit bureau. Therefore, the verification claim by XXXX  is false and misleading. 

I also reached out to both Experian and XXXX  regarding this same issue and received a response from both bureau but unable to access my account. One looks to be recieve on XX/XX/XXXX and the other XXXX both after the 30 days post my request. Their failure to investigate or respond is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and further delays the correction of this inaccurate information. 

Additionally, the information listed in XXXX  regarding the alleged bankruptcy contains inaccurate details, further contributing to the harm caused by this unverified reporting. 

I did not authorize the reporting of this information, nor was I contacted for verification before it appeared on my credit file. I believe this constitutes inaccurate and unverifiable reporting under the FCRA. 

I am requesting a formal investigation into how this bankruptcy was reported and verified, and that the inaccurate information be removed from my credit report by all involved parties.

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 2025-06-24 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF EDUCATIONXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
Just recently I was able to sign in to Equifax, but now am back to the beginning, after I made a complain about their investigation. They freeze me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My father died XXXXXXXX He had an IRA at Truist bank. For 86 days now I have tried to withdraw the money from the IRA for 86 days and have been constantly stonewalled ever since the beginning.

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 monetary relief