vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Subject : Complaint Regarding Mishandling of Auto Loan and Credit Reporting Institution : Navy Federal Credit Union I am the co-signer on an auto loan originally held with Navy Federal Credit Union. I am filing this complaint to support the primary borrower, XXXX XXXX, and to raise my own concerns regarding : Navy Federals failure to properly secure a lien on the vehicle, leading to the loss of ownership ; Credit reporting damage to my credit profile, despite my not being contacted or informed of these issues ; Ongoing reporting of negative activity even after loan payments were resumed ; Verbal threats of repossession, despite no lien existing.

I was never added to the vehicle title and was never contacted by Navy Federal regarding these ongoing issues, despite my legal connection to the loan. I request that the CFPB investigate Navy Federals practices in this case and ensure that the loan is corrected and any credit harm is remedied. 

Thank you. 

Name : XXXX XXXX Date : 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 2025-05-26 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Statement balance on Bank of america credit card does not match. Credit says last payment was XXXX when I had just paid off my credit card twice this month of 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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported in my credit report by Experian. 
Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX. I request that my name be updated to reflect the correct information. 
XXXX. Outdated Address : My current residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXI XXXX, while my credit report shows an outdated address of XXXX XXXX XXXX XXXX XXXX, MI XXXX. I request that my current address be updated accordingly. 
XXXX. My employer is not reflected in my credit report, I request that my current employer be updated to reflect the correct information. My current employer is XXXX XXXX, from Date XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my drivers license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
Request for Confirmation : I request that XXXX  investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 
Contact Information : If you require further information or documentation, please do not hesitate to contact me at XXXX or by email at XXXX Thank you for your prompt attention to 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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Complaint Regarding American Express Business Platinum Card Bill Sent to My Residential Address for Unknown Individual/Entity I am writing to report an ongoing issue with American Express regarding a credit card bill being sent to my residential address for an individual and entity unknown to me. 
Since starting XXXX, I have received a legitimate American Express XXXXusiness Platinum Card bill addressed to " XXXX XXXX XXXX XXXX XXXX XXXXS '' at my home address. 
This individual and entity are completely unknown to me and do not reside at my address. I have no affiliation with this account or the named cardholder. 
Upon receiving the first bill, my wife inadvertently opened it. The bill appears to be a standard, legitimate American Express statement, confirming it is not a phishing attempt but an actual account. 
I contacted the American Express Fraud Department on the date I received it. I explained the situation, stating that a bill for an unknown person was being sent to my private residence. The agent refused to provide any assistance, stating that because my name was not on the bill, they " couldn't do anything about it. '' I specifically asked if it was American Express 's policy to allow accounts to be opened and billed to addresses where the applicant does not reside, and the agent refused to answer, stating they " couldn't answer it '' and continued to be unhelpful. 
My primary concern is the unauthorized use of my residential address for an American Express account. This represents a significant security risk, potential address fraud, and a violation of my privacy. It is unacceptable that American Express is unwilling to investigate why a bill for an unknown party is being sent to my home. 
I request that the CFPB compel American Express to : 1. Investigate why this account is linked to my residential address.

2. Remove my address from this account immediately.

3. Flag my address in their system to prevent any future accounts for unknown individuals or entities from being opened or maintained at this location. 
I will report this matter to the U.S. Postal Inspection Service and the Federal Trade Commission as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Credit and Collections Inc.
State: WV

Complaint narrative:
b'I would like debt validation from UNITED CREDIT & COLLECTIONS 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: Velocity Portfolio Group
State: GA

Complaint narrative:
Product : Credit Card Issue : Account opened without permission / identity theft Sub-Issue : Failure to block tradeline after identity theft alert Account Number : XXXX Summary of Complaint : On or around XX/XX/year>, a XXXX XXXX account was opened in my name. I did not apply for this account, use it, or authorize any charges. It was later sold to Velocity Investments and charged off for {$8800.00}. I submitted a fraud alert and identity theft statement to XXXX and requested a block under FCRA 605B, yet this account is still listed as delinquent and charged off. 

No one from XXXX or Velocity Investments has contacted me to verify my identity, nor have I received application documents or transaction records. I believe this account was fraudulently opened and must be removed immediately. 

Violations Include : FCRA 605B Failure to block fraudulent tradeline FCRA 1681s-2 ( a ) Furnishing inaccurate information to CRAs FACTA Red Flags Rule Failure to detect and act on identity theft FDCPA Collector continued to pursue unvalidated debt Discrepancies : Account opened and used without consent Sold to a debt buyer without investigation Report remains despite identity theft documentation filed with CRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I have no idea who's got my information? And is using it to open fraudulent accounts. I am a victim of identity theft, and I hope you can assist me in getting my life back on track. Please remove all fraudulent accounts from my credit file. thank you. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-05-26 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: GA

Complaint narrative:
I have no idea who's got my information? And is using it to open fraudulent accounts. I am a victim of identity theft, and I hope you can assist me in getting my life back on track. Please remove all fraudulent accounts from my credit file. thank you. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-05-26 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i. You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance. 
You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/year>, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 
These actions prove a pattern of systemic negligence in the industry. Your behavior mirrors the violations highlighted in these cases and only strengthens my intent to pursue legal remedies. 

XXXX XXXXXXXX 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 2025-05-26 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 filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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 writing to formally dispute the inaccurate and unlawful reporting of late payment information by Experian on my consumer credit report. 

Upon reviewing my report, I discovered that Experian is reporting late payments related to XXXXXXXX XXXX XXXX that should, under the law, no longer appear on my file. These entries violate the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ), which defines and limits the scope of information that can be lawfully included in a consumer 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 explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, due to multiple accounts being reported on my credit file that are inaccurate, incomplete, inconsistent, or unverifiable. I am requesting federal enforcement because these accounts contain serious errors and continue to negatively impact my credit profile and consumer rights.

The violations include : Conflicting balances across different bureaus for the same account Mismatched account types ( e.g., Secured Card vs. Open Account ) Closed accounts reporting active balances Accounts with missing or incomplete data, such as no status or creditor information Accounts appearing on only one bureau, making them unverifiable The specific disputed accounts are : 1. XXXX XXXX XXXXXXXX XXXX  Opened XX/XX/XXXX Experian : Secured Card with {$270.00} balance Equifax : Open Account with {$13.00} balance TransUnion : Open Account with {$270.00} balance Violation : Conflicting balances, inconsistent types, and varying creditor names 2. XXXX XXXX Ending in XXXX Experian : No balance listed Equifax and TransUnion : Report {$0.00} balance Violation : Incomplete reporting 3. XXXX XXXXXXXX XXXX Opened XX/XX/XXXX All bureaus report the account as closed, but it still shows a {$1100.00} balance Violation : Misleading data on a closed account 4. XXXX  Only appears on TransUnion Missing key information : no type, balance, or dates Violation : Incomplete and unverifiable 5. Dept of Education Only appears on Equifax No balance, status, or payment history Violation : Inconsistent and insufficient reporting I have attached : A copy of my government-issued photo ID Proof of current address Screenshots of the disputed accounts from my credit reports These issues are more than clerical they represent ongoing FCRA violations XXXX I am demanding that these accounts be permanently deleted if they can not be verified with original creditor documentation. I am not requesting corrections or updates.

The credit bureau has 14 calendar days to take action. I request that the CFPB ensure full compliance under the law and hold the bureau accountable. If necessary, I will pursue further legal options to resolve 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 2025-05-26 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: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized and fraudulent accounts and inquiries that are currently appearing on my credit report. I believe these accounts and inquiries are the result of identity theft and were opened or made without my knowledge or consent. Therefore, they constitute credit fraud under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The following accounts and inquiries have been fraudulently attributed to me : Fraudulent Accounts : XXXX XXXX XXXX Opened on XX/XX/XXXX | Balance : {$3100.00} XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX | Balance : {$440.00} Fraudulent Credit Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX These accounts and inquiries were not authorized by me, and I have never initiated any credit activity with these institutions. Under Section 609 and Section 611 of the Fair Credit Reporting Act, I am requesting an immediate investigation and deletion of these accounts and inquiries from all consumer reporting agencies. 

I am a victim of identity theft, and these entries are having a significant negative impact on my credit score, financial stability, and peace of mind. Please consider this letter a formal dispute under FCRA Section 611, and note that any unverifiable or unauthorized information must be deleted within 30 days of receipt of this letter per FCRA guidelines. 

In support of my dispute, I am requesting that you : Permanently remove the listed fraudulent accounts and inquiries from my credit report. 

Notify all relevant credit bureaus ( Experian, Equifax, and TransUnion ) of this dispute and ensure they update their records accordingly.

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 2025-05-26 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: FL

Complaint narrative:
I am writing to formally dispute the presence of several unauthorized and fraudulent accounts and inquiries that are currently appearing on my credit report. I believe these accounts and inquiries are the result of identity theft and were opened or made without my knowledge or consent. Therefore, they constitute credit fraud under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

The following accounts and inquiries have been fraudulently attributed to me : Fraudulent Accounts : XXXX XXXX XXXX Opened on XX/XX/XXXX | Balance : {$3100.00} XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXXXXXX Opened on XX/XX/XXXX | Balance : {$440.00} Fraudulent Credit Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX XX/XX/XXXX These accounts and inquiries were not authorized by me, and I have never initiated any credit activity with these institutions. Under Section 609 and Section 611 of the Fair Credit Reporting Act, I am requesting an immediate investigation and deletion of these accounts and inquiries from all consumer reporting agencies. 

I am a victim of identity theft, and these entries are having a significant negative impact on my credit score, financial stability, and peace of mind. Please consider this letter a formal dispute under FCRA Section 611, and note that any unverifiable or unauthorized information must be deleted within 30 days of receipt of this letter per FCRA guidelines. 

In support of my dispute, I am requesting that you : Permanently remove the listed fraudulent accounts and inquiries from my credit report. 

Notify all relevant credit bureaus ( Experian, Equifax, and TransUnion ) of this dispute and ensure they update their records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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