vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I previously submitted a dispute regarding multiple fraudulent accounts that continue to appear on my credit report, despite being identified as identity-theft-related items and removed in part by the credit bureau. Although some of the fraudulent accounts were deleted, several unlawful items remain on my updated credit file. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681 and the identity-theft blocking provisions, the credit reporting agency is required to remove all items documented in my ID Theft Report within the timelines set by law. The continued reporting of inaccurate and unverified information is a violation of federal law and is negatively affecting my credit standing. The fraudulent accounts that still appear include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00}, XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$1600.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2200.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00}. Their continued presence after my dispute and ID ftc submission reflects a failure to properly block or remove fraudulent information as required.

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 2025-11-15 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: TX

Complaint narrative:
I previously submitted a dispute regarding multiple fraudulent accounts that continue to appear on my credit report, despite being identified as identity-theft-related items and removed in part by the credit bureau. Although some of the fraudulent accounts were deleted, several unlawful items remain on my updated credit file. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681 and the identity-theft blocking provisions, the credit reporting agency is required to remove all items documented in my ID Theft Report within the timelines set by law. The continued reporting of inaccurate and unverified information is a violation of federal law and is negatively affecting my credit standing. The fraudulent accounts that still appear include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$1500.00}, XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$1600.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$2200.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00}. Their continued presence after my dispute and ID ftc submission reflects a failure to properly block or remove fraudulent information as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/2025 JPMCB Card Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number XXXX XXXXXXXX To Whom It May Concern : I am writing in response to your recent communication regarding the collection of an alleged debt associated with the above-referenced account. This letter serves as my formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following documentation : The total amount of the alleged debt, including an itemized breakdown of all interest, fees, and additional charges. 
The name and address of the original creditor, as well as the original account number. 
Proof that I am legally obligated to pay this debt, including a copy of any original signed contract or agreement. 
Evidence of your authority to collect this debt, including documentation of assignment, transfer, or ownership rights. 
A complete payment history, showing how the balance you claim has been calculated. 
Verification of your authorization to collect debts in my state, including any relevant license or registration numbers. 
Until the requested information is provided : Please cease all collection activities, including phone calls, letters, and reporting to credit bureaus. 
If the alleged debt has already been reported, you are required to notify the credit reporting agencies that the debt is disputed. 
This letter does not constitute an acknowledgment of the debt and does not indicate a refusal to pay. It is solely a request for validation. I request that all future communication with me be conducted in writing only. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am following up on a previous dispute for which I have received no adequate response and have seen no corrections on my credit report. The inaccurate information I challenged is still being reported, which leads me to believe that a proper investigation was not performed as required under FCRA 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

I am now requesting a complete reinvestigation of the disputed item ( s ) and ask that you provide : The name, address, and phone number of the furnisher, A detailed Method of Verification, and All documents exchanged between you and the furnisher regarding this dispute.

It has also been noted that Equifax has previously faced legal action for inadequate or sham investigations and for failing to properly review or forward consumer-provided documentationpractices that violate the FCRA and the Consumer Financial Protection Act. 

The specific account I am disputing is as follows : LATE OPEN : - XXXX XXXX XXXXXXXX XXXX {$23000.00} LATE CLOSE : - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$0.00} CHARGED OFF : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} COLLECTION : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5400.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for improper debits, failure to release pending authorizations, mishandling refunds, and falsely categorizing merchant price adjustments as temporary credit reversals. 

My account is currently in a negative balance of approximately {$170.00} due to Navy Federals failure to return multiple legitimate credits. 

( 1 ) XXXX Duplicate Transaction {$140.00} Missing On XX/XX/year>, I placed an order for {$140.00} with XXXX and immediately cancelled it. This became a pending authorization/transaction hold that Navy Federal never released. 

Because I needed the item, I reordered it after receiving {$100.00} via XXXX from my wife. 

On XX/XX/year>, the first order was cancelled and the second was delivered and returned. Refund was issued XX/XX/year>. Navy Federal never released the original pending hold and never credited the refund. 

( 2 ) XXXX XXXX Price Adjustments Wrongfully Taken by Navy Federal On XX/XX/year>, XXXX XXXX issued two price adjustments : {$58.00} and {$31.00}. 
These were legitimate merchant refunds. 

On XX/XX/year>, Navy Federal removed {$90.00} and {$58.00} from my account, labeling them as temporary credit reversals. 

I never received any temporary credits, and Navy Federal took the refunds XXXX XXXX issued as if they belonged to the bank. 

Navy Federal is improperly withdrawing funds, misrepresenting merchant credits, and creating artificial negative balances.

I am requesting a full investigation, correction of my account, and return of all funds Navy Federal wrongfully withheld or reversed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, as I was NEVER late. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: VA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  Account Number XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, as I was NEVER late. Thanks.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IN. XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following INQUIRY FROM THIS COMPANY : XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRY : XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

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 2025-11-15 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: GA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following INQUIRY FROM THIS COMPANY : XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRY : XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My rights were violated as a consumer under 15 USC 1681c-2 and I need them blocked and deleted from my report as soon as possible.

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 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have maintained an active account with XXXX for over XXXX years. I am submitting a report regarding a collection item listed under incorrect name and address details. The previous address associated with my XXXX account indicates no outstanding balances, and XXXX has yet to provide validation for the collection. I will attach my current bill from XXXX for verification.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I am writing this letter to DISPUTE the following INQUIRIES FROM THIS COMPANY : 1 ) XXXXXXXX XXXX  XXXX, DATE : XX/XX/XXXX, INQUIRY 2 ) XXXX XXXX, DATE : XX/XX/XXXX... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following INQUIRIES : 1 ) XXXXXXXX XXXX  XXXX, DATE : XX/XX/XXXX, ALSO INQUIRY 2 ) XXXX XXXX, DATE : XX/XX/XXXX be UPDATED AND DELETED IMMEDIATLY...

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 2025-11-15 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: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
ChexSystems is reporting inaccurate and unverified information about me that is preventing me from opening a bank account. The system is also not allowing me to validate my identity using the PIN ChexSystems issued to me, so I can not access or dispute the item online. I have attached my full dispute package, including police reports, FTC identity theft report, IRS IP PIN letters, and supporting documents.

The financial institution and ChexSystems have my address recorded incorrectly, and I am an XXXX participant. My correct address is : is listed and on verified on the attachments Because of the wrong address and the system access failure, I can not complete required verification steps. The inaccurate reporting and technical issues at ChexSystems are blocking me from opening accounts and resolving the problem. Please see all attached documentation.

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