vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: FL

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( ss # XXXX ) XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : please be advised this is my Third Written Request and Final Warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligence noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the result of your first investigation and subsequent reinvestigation, you stated in writing that youverified that these items are being reported correctly : who verified these accounts? 

I request for the third time that you provide the method of verification you used. 

Your response should provide : The name of the original creditors documentation on The address and phone number of the original creditor The name of the person at your bureau who verified these accounts dispute with the original creditor You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to .. promptly DELETED all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts to be verified or deleted immediately. 

Name of Account Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
Company charged me about {$400.00}. I asked them whos the name under. They said they can only tell me the last name was XXXX because I told her my name but I never use XXXX before. They said its a different first name they gave me an email to contact to resolve the case But nobody ever emailed back and somethings wrong with the email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a XXXX XXXX service member and long-time member of Navy Federal Credit Union ( NFCU ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my debit card was compromised and used fraudulently. I was unable to access my phone, online banking, or card during this time. My phone and debit card were secured by command, and I had no way of monitoring my account. 

On XX/XX/XXXX, XXXXupon regaining access to my phoneI immediately reported the fraud to Navy Federal. Over {$7500.00} in unauthorized transactions had occurred, and I submitted supporting documentation including my official military orders. Despite this, Navy Federal denied reimbursement of {$7100.00}, citing Regulation Es 60-day rule.

However, they failed to reimburse even the charges that occurred within 60 days prior to my report. Regulation E ( 12 CFR 1005.6 ( b ) ( 3 ) ) limits liability for unauthorized transactions that occurred within 60 days of the date I received my statement. As I reported the fraud on XX/XX/year>, any unauthorized charges from early XXXX through XXXX should have been covered, regardless of my military status. Navy Federal credited only {$460.00}, a fraction of what occurred even within the protected period. This suggests a misapplication of the regulation.

Furthermore, Regulation E allows for exceptions to the 60-day rule in cases where the accountholder is incapacitated or otherwise unable to report the fraud. XXXX XXXX XXXX XXXX  without access to any communication tools clearly meets that definition. Navy Federal also admitted during a call that they attempted to contact me in XXXX about the fraud but took no action when I did not respond. Had industry-standard fraud protocols been followed, a freeze or block should have been placed on my card. 

I respectfully ask that the CFPB review this claim and assist in ensuring Navy Federal applies Regulation E correctly, including both the standard 60-day protection and the exemption for service members unable to act due to XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Complaint Summary : I am disputing unauthorized charges made by my former attorney on a credit card that I explicitly told them not to use again. One charge was made after our attorney-client relationship had ended. The bank denied my dispute, but I was never included in the communication or given a chance to provide supporting documents. Instead, all documentation was requested by my mother, the primary cardholder, without my consent. 

Additionally, the bank improperly disclosed my confidential divorce documents and communications to my mother without my permission, breaching my privacy. I have not received any copies or notifications about these disclosures or the dispute process. 

I am requesting a full review of the unauthorized charges and the banks handling of my confidential information, as well as better communication and transparency regarding this matter.

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 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I called on Tuesday morning questing the excessive interest being charged to my account 32.24 % which in dollars {$370.00} per month charge this is excessive I have cards only charging me 15.49 %

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian for failing to correct inaccurate information on my credit report. 

My XXXX XXXX XXXX account ending in XXXX is being misreported as : Paid in settlement / never late With the comment account paid in full for less than full balance And falsely marked as closed This information is incorrect. I never agreed to or completed a settlement. The account is current, open, and paid in full as agreed. 

TransUnion has already corrected this issue, and my XXXX XXXX account now appears accurately in their system. 

Experian has received the same documentation including letters from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX showing that the account is active and that XXXX XXXX requested re-reporting as of XX/XX/year>. Yet, Experian has failed to update the account, resulting in a drop of nearly XXXX points in my XXXX score. 

I am requesting that Experian immediately correct the tradeline to reflect : Open account Paid as agreed No settlement language or derogatory comment If Experian can not verify the accuracy of the data, I request full deletion of the tradeline 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
Consumer complaint received 2025-05-20 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: ME

Complaint narrative:
XXXX XXXX is reporting to TransUnion that I had a credit card in XXXX. I was XXXX XXXX XXXX in XXXX and they refuse to take it off my credit report until I fill this out. I did all of this back when I turned XXXX and they still didnt take it off.

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 2025-05-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-20 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TX

Complaint narrative:
I am writing to inform you that my Social Security number was compromised as a result of a data breach. As a consequence, fraudulent accounts and inaccurate information have appeared on my credit report. I have filed a formal complaint with the Federal Trade Commission, and a copy is enclosed for your reference. 

I am aware that some consumer reporting agencies may delay or dismiss dispute requests based on the assumption that the correspondence was prepared with assistance from a third party, such as a credit repair organization. However, the Fair Credit Reporting Act ( FCRA ) explicitly affirms every consumers right to obtain assistance in exercising their legal rights. The involvement of authorized third-party support does not constitute a lawful basis for denying or delaying a valid dispute. 

Please be advised that all communications submitted under my name were prepared with my full knowledge and consentwhether authored directly by me or with the assistance of individuals acting on my behalf. Any failure to promptly investigate and correct the disputed information, as required by the FCRA, will be regarded as a willful violation of my rights under federal law. 

I respectfully request that you address this matter without delay and in full compliance with all applicable legal obligations.

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 2025-05-20 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against TransUnion LLC for its failure to respond to a written dispute I submitted concerning inaccurate information in my credit report, in direct violation of its obligations under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion via XXXX Certified Mail ( tracking number : XXXX ). In that letter, I disputed several inaccurate account entries as well as erroneous personal information appearing on my consumer credit file. 
To enable proper verification of my identity and address, I included the following documents with my dispute : A copy of my government-issued photo ID ; A copy of my Social Security card ; and A recent utility bill showing my current residential address. 


Despite providing all required documentation and submitting a timely and valid dispute, TransUnion has failed to issue any response or provide the results of a reinvestigation. This lack of action represents a clear failure to comply with Section 611 of the FCRA ( 15 U.S.C. 1681i ), which mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information within 30 days of receiving a consumers dispute. 
To substantiate this complaint, I am attaching a copy of the dispute letter sent, along with proof of certified delivery. 
In light of TransUnions noncompliance, I respectfully request that the Consumer Financial Protection Bureau take appropriate enforcement action to compel TransUnion to investigate and resolve the disputed information. I also demand that TransUnion immediately and permanently remove the inaccurate items from my credit report and issue a formal confirmation of corrective action.

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 2025-05-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a certified Debt Validation Letter to XXXXXXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXXXXXX, XXXX, GA, as listed on my credit report. XXXX returned the letter as undeliverable, indicating the address is not active. I sent a second validation letter on XX/XX/XXXX to their updated XXXX XXXXXXXX, attaching my original dispute. 

In both letters, I requested full validation of a {$3900.00} collection account allegedly related to XXXX XXXX XXXX XXXX XXXX XXXX : The original lease agreement from the start of my tenancy A full itemized breakdown of how the debt was calculated A valid assignment of the debt Proof of legal authority to collect The method of verification used to report the debt Instead of validating the debt, XXXX provided only a " Statement of Security Deposit Accounts '' and a second-year lease dated XX/XX/XXXX, which does not prove the origin of the debt or explain how the amount was calculated. They failed to provide any breakdown of the {$3900.00} balance or any legally binding documents assigning them the right to collect. 

Despite not validating the debt, XXXX continues to report the account as a closed collection with a derogatory status on my credit reports as of XX/XX/XXXX. Their response to my CFPB complaint only stated that they forwarded my dispute to the credit bureaus and that the original creditor " contends '' the debt is owed without providing any required proof or supporting documentation.

This violates : 15 U.S. Code 1692g ( FDCPA ), which requires debt collectors to cease collection unless they provide proper validation 15 U.S. Code 1681i and 1681s-2 ( b ) ( FCRA ), which require credit furnishers and bureaus to conduct a reasonable investigation and correct or delete unverifiable data I am requesting that this collection account be removed from all credit reports immediately due to XXXX XXXX XXXX  XXXX XXXX provide adequate and lawful debt validation.

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 2025-05-20 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: TN

Complaint narrative:
On XX/XX/XXXX, I mailed a certified Debt Validation Letter to XXXXXXXX XXXX XXXX XXXX XXXX  ) at XXXX XXXX XXXX XXXXXXXX, XXXX, GA, as listed on my credit report. XXXX returned the letter as undeliverable, indicating the address is not active. I sent a second validation letter on XX/XX/XXXX to their updated XXXX XXXXXXXX, attaching my original dispute. 

In both letters, I requested full validation of a {$3900.00} collection account allegedly related to XXXX XXXX XXXX XXXX XXXX XXXX : The original lease agreement from the start of my tenancy A full itemized breakdown of how the debt was calculated A valid assignment of the debt Proof of legal authority to collect The method of verification used to report the debt Instead of validating the debt, XXXX provided only a " Statement of Security Deposit Accounts '' and a second-year lease dated XX/XX/XXXX, which does not prove the origin of the debt or explain how the amount was calculated. They failed to provide any breakdown of the {$3900.00} balance or any legally binding documents assigning them the right to collect. 

Despite not validating the debt, XXXX continues to report the account as a closed collection with a derogatory status on my credit reports as of XX/XX/XXXX. Their response to my CFPB complaint only stated that they forwarded my dispute to the credit bureaus and that the original creditor " contends '' the debt is owed without providing any required proof or supporting documentation.

This violates : 15 U.S. Code 1692g ( FDCPA ), which requires debt collectors to cease collection unless they provide proper validation 15 U.S. Code 1681i and 1681s-2 ( b ) ( FCRA ), which require credit furnishers and bureaus to conduct a reasonable investigation and correct or delete unverifiable data I am requesting that this collection account be removed from all credit reports immediately due to XXXX XXXX XXXX  XXXX XXXX provide adequate and lawful debt validation.

Company response to consumer: Closed with explanation