vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I am filing a complaint against World Finance and XXXX XXXX XXXX XXXX  Credit Bureau 's for continuing to report inaccurate and unverified account information on my credit file in violation of the Fair Credit Reporting Act. The continued reporting of this unverified account has negatively impacted my credit score and my ability to obtain, housing, credit, and other financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MD

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : BANK XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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, Date Opened : XX/XX/XXXX, Balance : {$2400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 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: GA

Complaint narrative:
I am the victim of identity theft. Two accounts XXXX were fraudulently opened in my name without my authorization. I contacted the credit reporting agencies and informed them that these accounts are the result of identity theft and should be blocked under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( FCRA 605B ). Despite my request, I was told these accounts could not be blocked and that I would need to contact the creditors directly. This is incorrect under federal law. I have provided a valid Identity Theft Report, my government-issued identification, and proof of address. Under FCRA 605B, the credit bureaus are required to block fraudulent information from my credit report within 4 business days of receiving this documentation. I am requesting that the CFPB ensure the credit bureaus comply with federal law by immediately blocking these fraudulent accounts from my credit file and providing me written confirmation once removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
I am the victim of identity theft. Two accounts XXXX were fraudulently opened in my name without my authorization. I contacted the credit reporting agencies and informed them that these accounts are the result of identity theft and should be blocked under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( FCRA 605B ). Despite my request, I was told these accounts could not be blocked and that I would need to contact the creditors directly. This is incorrect under federal law. I have provided a valid Identity Theft Report, my government-issued identification, and proof of address. Under FCRA 605B, the credit bureaus are required to block fraudulent information from my credit report within 4 business days of receiving this documentation. I am requesting that the CFPB ensure the credit bureaus comply with federal law by immediately blocking these fraudulent accounts from my credit file and providing me written confirmation once removed.

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 2025-08-13 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: FL

Complaint narrative:
On XX/XX/2025, I submitted a written dispute to TransUnion regarding the following inaccurate accounts appearing on my credit report : 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 Despite the Fair Credit Reporting Acts requirement for a timely and reasonable investigation under 15 U.S.C. 1681i, TransUnion did not respond until XX/XX/2025 more than 30 days later. This delay, combined with the inadequate substance of their reply, constitutes a serious lapse in compliance and business negligence. 

Their response merely stated that the accounts were verified accurate without providing any of the specific evidence or investigative details I requested, including : A full, detailed description of the procedures used to verify each disputed account, including the names, positions, and contact information of all individuals involved in the reinvestigation. 

The exact method of validation for each account, including dates of contact with the furnisher, the nature of the inquiry, and the results obtained. 

Copies of all original documentation from the creditor, collection agency, or any third party relied upon to determine the accuracy of the information including signed agreements, account statements, payment histories, or other admissible records. 

Proof that TransUnion reviewed all relevant evidence I provided and did not rely solely on automated e-OSCAR system responses from furnishers.

The lapse in time between my dispute and their inadequate reply suggests either no genuine reinvestigation was conducted or the process was performed with reckless disregard for accuracy and consumer rights. Marking an account verified without supplying verifiable proof or demonstrating a good-faith investigation is a direct violation of the FCRA.

I request that the CFPB require TransUnion to : Fully comply with its statutory obligations under 15 U.S.C. 1681i.

Provide the complete verification documentation, procedural details, and evidence outlined above.

Remove any disputed items that can not be substantiated with legally admissible proof.

TransUnions handling of this matter has denied me my right to a completely accurate credit report and reflects a pattern of neglect and noncompliance that must be addressed.

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 2025-08-13 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: LA

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 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 XXXX  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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union has illegally frozen my {$15000.00} credit line for over 7 months despite verifying the legitimacy of funds that triggered their investigation. 

Timeline of Events : XX/XX/XXXX : NFCU froze my {$15000.00} credit line while investigating a {$100000.00} divorce settlement deposit XXXX XXXX : Multiple calls to customer service with no resolution timeline provided NFCU 's security team verified the legitimacy of the divorce settlement funds XX/XX/XXXX : Escalated to President XXXX XXXX via executive email requesting 48-hour resolution XX/XX/XXXX : President 's office acknowledged receipt and promised action XX/XX/XXXX : No resolution provided despite executive acknowledgment and clear deadline Impact on Consumer : * Unable to access {$15000.00} in legitimately approved credit for 7+ months * Artificial inflation of credit utilization ratios affecting creditworthiness * Operational disruption to my business * Damage to credit profile with other financial institutions Previous Attempts to Resolve : * Numerous calls to customer service ( no resolution ) * Supervisor escalation ( provided stalling tactics only ) * Executive escalation to President 's office ( acknowledged but not resolved ) * Provided 48-hour deadline for resolution ( deadline missed ) Additional Details : * Member since XXXXXXXX XXXX This extended freeze after verification appears to violate fair credit practices and constitutes unreasonable account restrictions under consumer protection laws. Monetary compensation may be due to me as the consumer.

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 2025-08-13 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CIG FINANCIAL LLC
State: OH

Complaint narrative:
I made a full payment on XX/XX/year> of {$410.00} plus {$2.00} processing fee. 

I was contacted on XX/XX/year> - now only 8 days past due after the payment that was made on Friday. I notified her that I made a payment ready and can not afford another payment in the same week. 

I was contacted AGAIN on XX/XX/year> by a gentleman now telling me I am 9 days past due and asking when I will make another payment. 

This company will contact you every single day even after talking to you the day before! It doesnt matter how many times I tell them I can not afford two payments in the same week!!! Im not even that far behind!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This complaint is directed to Wells Fargo over their negligence in pursuing my case against a store in XXXX. They did not accept my printed documents and pictures that proved my case, and instead accepted the store 's hand written Sales Slip and an erroneous charge slip. 

It began with my purchase of a small wood chest tagged " XXXX XXXX '' ( XXXX XXXX ), which according to the store owner would be approx {$50.00} in American money, but the freight might be another {$200.00} plus. 

I liked the chest although small, it seemed to be made by hand and I suspected the {$200.00} plus for freight might be much, but agreed. 

It arrived in a few weeks with the Commercial Invoice inside showing a value of {$400.00}. I did think the {$350.00} for freight was too much, but the chest looked great. Also inside was a Sales Slip for XXXX XXXX. I immediately pulled up my Credit Card Statement and viewed the other purchases from XXXX that seemed okay. However, there are 2 charges to my card from this store. 1. The correct charge for {$370.00}, seemed fine given that the chest was to be approx {$50.00} and the freight another {$200.00} plus. 

2. The INCORRECT charge is the {$980.00}. That's when I contested that additional charge and sent Wells Fargo my documents including pictures of the chest with the lacquered in, price tag of " XXXX XXXX '' Email after email and call after call Wells Fargo demonstrated no desire to stand up for me, a 25 year client with ample proof that charge # 2 is bogus, fraud, and an outright theft. Over the phone, they were uncaring, un-responsive, and irresponsible. That is the reason I'm asking you for help. 

Thank you, 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 2025-08-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CT

Complaint narrative:
TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate Reporting XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the account listed under XXXX XXXX XXXX ( Account # XXXX ) appearing on my credit file. 

Pursuant to 15 U.S.C. 1681e ( b ), credit reporting agencies must assure maximum possible accuracy of information reported. The reported account is inaccurate, unverifiable, and disputed. I have requested full validation from the furnisher and until complete verification is provided, this account must be deleted immediately. 

Please conduct a reinvestigation as required under 15 U.S.C. 1681i and provide me with the results within 30 days. 

Sincerely, 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 2025-08-13 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-13 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: NC

Complaint narrative:
Permanently delete the fraudulent accounts and unauthorized inquiries listed in my dispute, block all identity theftrelated data within 4 business days as required under the FCRA, and provide me with an updated and corrected credit report. Written confirmation of the deletions and blocks must be sent to me. If you can not produce verifiable evidence that I authorized these accounts or inquiries, they must be removed immediately in compliance with federal law. 

XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-13 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
ON XX/XX/year> was a victim of identity theft which I submitted documents regarding identity theft no response resubmitted the paperwork as I was told the JPMCB CARD ACCT # XXXX will be block from XXXX XXXX, XXXX  account is still reporting. Also sent XXXX  victims letter to consumer reporting agencies, No response. Along with ftc,

Company response to consumer: Closed with explanation