vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
This debt is showing on my credit report, but I do not and have not ever had any accounts with that balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$5700.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$6000.00} Account name XXXX XXXX XXXX Account XXXX XXXX Account type Education Date opened XX/XX/XXXX Balance {$1100.00} Account name XXXX XXXX XXXX Account number XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$6400.00} Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX XX/XX/XXXX Balance {$5200.00} Account name XXXX XXXX XXXX Account number XXXX Account type Education Date XXXX XX/XX/XXXX XXXX {$3200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
I am filing this complaint because there are multiple unauthorized hard credit inquiries appearing on my credit report. I did not apply for credit with these companies, nor did I give permission for any of them to access my credit file. These inquiries are negatively affecting my credit score and were made without my knowledge or consent. 

The unauthorized inquiries are listed below : XXXXXXXX XXXX XXXX Retailer ) XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-12-18 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: OR

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 2025-12-18 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I lost my card at the end of XXXX. And reported it as stolen in the app I have been gone in XXXX  for 10 months ( request never went thru ) I contacted Chase on XXXX XXXX after returning. regarding unauthorized charges that appeared on my closed credit card account. I have not used this card since before XX/XX/XXXX. Any charges after that date are fraudulent. 
I attempted to dispute these charges multiple times over the past several weeks. 
On the date of this complaint XX/XX/XXXX, I was transferred between at least XXXX different representatives from XXXX, Account XXXX, and Customer Service, with no one taking ownership of the dispute. 
Chase refused to : Provide a fraud dispute case number Confirm when ( or if ) a dispute was opened Tell me who the account was allegedly sent to for collections Explain why they could not process a fraud dispute on a closed credit card over the phone Provide any written policy requiring me to visit a branch Escalate me to XXXX XXXX despite repeated requests One fraud escalation representative disconnected the call without resolution, and another directed me to a one-way outbound number that does not accept inbound calls. 
Most concerning, multiple representatives stated they can not handle fraud disputes over the phone because the card is closed and that I must visit a branch with two forms of ID. This contradicts federal billing dispute rules and Chases own published policies. 
The inaccurate reporting on this closed account is harming my credit and directly impacting my ability to obtain a vehicle loan. I am requesting that Chase properly investigate the unauthorized charges, correct any inaccurate credit reporting, and provide written confirmation of the dispute. 
Additionally, representatives repeatedly referenced an incorrect card number, which prevented proper investigation and demonstrates a lack of due diligence by Chase. 

They initially called me today XX/XX/XXXX to collect a debt and I thought that it was the fraud dept reaching back out to me. In the initial collection attempt TODAY XX/XX/XXXX, a Chase representative stated the account was not charged off and encouraged payment to avoid charge-off. This was false the account had already been closed and charged off. This misrepresentation violated my right to accurate information and further delayed proper dispute handling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete credit reporting. Please address the following issues for each respective credit bureau. These accounts are being disputed due to inaccurate reporting, including misreporting of balances, incorrect dates, or unsubstantiated charges. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$55.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX 

Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX CO Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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 2025-12-18 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: AL

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding Experian, TransUnion, and Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). I have disputed multiple accounts with the assistance and also with a very helpful company that have helped me prepare them and organize the accounts that contain inaccurate, incomplete, and inconsistent information. Despite my disputes, the credit bureaus have failed to properly investigate, correct, or delete the inaccurate reporting and continue to verify the accounts without providing meaningful results. 

The bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i and failed to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). They also failed to provide a clear Method of Investigation upon request. Some accounts continue to report conflicting balances, dates, statuses, and charge-off information, even after being disputed multiple times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding Experian, TransUnion, and Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ). I have disputed multiple accounts with the assistance and also with a very helpful company that have helped me prepare them and organize the accounts that contain inaccurate, incomplete, and inconsistent information. Despite my disputes, the credit bureaus have failed to properly investigate, correct, or delete the inaccurate reporting and continue to verify the accounts without providing meaningful results. 

The bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i and failed to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). They also failed to provide a clear Method of Investigation upon request. Some accounts continue to report conflicting balances, dates, statuses, and charge-off information, even after being disputed multiple times.

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 2025-12-18 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC
State: LA

Complaint narrative:
I have never opened a loan with XXXX XXXX XXXX  or fitsource advantage. I have never owed any debt to this company. They recieved my information from a third party and I did not give permission to the original creditor to sell my information. This company sends me mail, repeatedly calls me all day everyday leaving voicemails saying I will be sued and this will affect my credit if I do not pay immediately, sends me emails every day since XXXX XXXX. It says I opened the account XX/XX/year> an I did not. 

XXXX paid the original debt so now he debt is theirs, not mnd, I never asked opened a loan or gave permission for them to pay any debt. So i do not owe them anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX  Balance : {$2400.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX 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 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This account its not mine it belongs semone with similar name or SSN PLEASE REMOVE IT 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
I was at XXXX and they said to apply for the card you get discount so we tried she said it wouldnt work after fighting with it for a minute. So I paid cash. I then see the card on a credit report months later with that purchase. I tried to talk to them but they wouldnt let me know anything about the account or try to see that i payed cash ( i called actual XXXX and they advised me this was a scam because they had no purchase history and i had never received any mail. This was 3 phone call endeavor ) I tried disputing through XXXX XXXX. Then I requested a card again so I can have the account information so I can pay online since they will jot let me pay over the phone. At this point I have talked to the number 5 times requesting account number. All this time they are were now calling my husband and mother. 
The very last time I called i pushed for the accout information again and they said they would send me a card again and still haven't seen it. At this point my credit has taken such a hit i cant keep being punished. I just want to pay the scam but they wont let me. I dont know what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2025-12-18 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 am writing to formally dispute and request the immediate removal of fraudulent accounts currently being reported on my credit file. These accounts are the result of identity theft, and I have never authorized or opened them

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
I paid this account off per our settlement agreement. 

They updated it to reflect the new balance, however, they did not zero out the balance or report it as paid for less than the full amount They have continued to adversely report to my credit in the interim. 

They are holding the position that the account is reported accurately. 

I have significant concerns about their ability to accurately investigate any information. 

My HELOC lender has threatened to accelerate my loan as paying off this account was a condition of my funding and they have not and they refuse to accurately 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 non-monetary relief
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I previously disputed late payment information that is being reported on my consumer file. The bureau was informed that this information is excluded from consumer reporting under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), yet the reporting continued. I then filed a second complaint for willful continuation of the violation, and the bureau still has not deleted the information. At this point, I am challenging the accuracy and verifiability of the reported data. The bureau has not produced any proof that the furnisher is legally authorized to report these late payments or that the data is verifiable through proper documentation. If the bureau can not produce validation, chain of custody, or authentication of the data furnished, then the information is legally unverifiable and must be deleted under the FCRA.

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