vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am writing to dispute the debt your company is attempting to collect related to my former residence at XXXX XXXX XXXX. Upon reviewing my credit report, I noticed that your company has reported the date I opened this account as XX/XX/XXXX, which is inaccurate. As the statute of limitations requires accurate reporting, the date on my credit report should reflect the date the account first became delinquent with the original creditor, not the date the debt was sold or assigned to your company. According to my records, I moved into the apartments on XX/XX/XXXX, under a relet lease agreement, and I was evicted in XX/XX/XXXX due to a XXXXrelated layoff. Given this information, I request that you remove this debt and any negative remarks from my credit report. Due to the lack of inaccuracies and misleading information!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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 am submitting this complaint to correct this account in question is my XXXX  XXXX account ( XXXX * * * * ) * *, which shows a {$0.00} balance, with a Date of Last Activity on XX/XX/XXXX, Date Reported as XX/XX/XXXX, and Date Opened on XX/XX/XXXX. This account remains open and current, and I request that this information be reviewed and confirmed to reflect that the account is open with a current payment status and no balance owed. However, in some other credit reports, this same account appears as closed, which creates conflicting data that must be reconciled for accuracy. 
The second account is my XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) * *, which also reflects a {$0.00} balance, with a Date of Last Activity on XX/XX/XXXX, Date Reported as XX/XX/XXXX, and Date Opened on XX/XX/XXXX. Records indicate previous late payments during XXXX, including XXXX  days late in XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late in XXXX XXXX, XXXX  days late in XXXX XXXX, XXXX  days late in XXXX XXXX, XXXX  days late in XX/XX/XXXX, and XXXX  days late from XXXX through XX/XX/XXXX. While these delays did occur, the account has since been brought current and remains open on some reports but is reflected as closed in others. This inconsistency creates a misleading representation of my financial activity and should be corrected to ensure it accurately shows as open with prior late activity. 
Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], all information reported on a consumer must be held to the standard of maximum possible accuracy. Reporting the same account as both closed and open, or maintaining late payment data that is not aligned with verified account records, does not meet that standard. Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] grants the right to request verification and correction of any information that may be incomplete or inaccurate. I am exercising that right and asking for review not deletion so that the information remains factual and complete.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] requires furnishers to avoid reporting data they know, or have reasonable cause to believe, is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report whit TransUnion, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize and therefore believe to be inaccurate and in violation of my rights under the FCRA : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-10-29 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: GA

Complaint narrative:
ACCOUNT NUMBER IN DISPUTE : XXXX AMOUNT IN DISPUTE : XXXX I am filing a formal complaint against XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by knowingly and repeatedly furnishing structurally inaccurate and misleading information to the nationwide consumer reporting agencies ( CRAs ). 

The specific violation is the inaccurate reporting of a charged-off account as an active " Revolving '' account type, which is a direct breach of their obligation to report information with " maximum possible accuracy. '' The account listed above is reported on my credit file as a " Charge-Off. '' However, it is simultaneously and incorrectly being reported with an " Account Type '' of " Revolving. ''

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 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
What happened : Im filing this complaint because Navy Federal Credit Union has refused to allow me to open a checking account, even though Im an existing member in good standing. 

On XX/XX/year>, I sent a formal appeal letter to Navy Federals Membership Services explaining my situation and requesting reconsideration. I never received any response or follow-up. 

About XXXX years ago, when I was a teenager, I had limited access to my late grandmothers Navy Federal account to help her with online banking, as she wasnt comfortable with technology. I now understand that was against policy, but there was no malicious intent I was only trying to assist her. When given the option, I chose to have my access restricted rather than have her account closed out of respect for her long-standing membership. 

Today, XXXX XXXX XXXX XXXX, a mother, and a young professional working in a military-affiliated contract role. I still have a savings account in good standing with Navy Federal and am simply trying to open a checking account to manage my finances responsibly.

Despite reaching out respectfully and explaining my circumstances, Navy Federal has not responded or provided any explanation for their continued refusal. I am filing this complaint to request that the CFPB help facilitate a response and fair reconsideration of my membership and checking account request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PNC Bank N.A.
State: LA

Complaint narrative:
( a ) Applicable dates. The applicable nonbank registry implementation date for purposes of this subpart shall be as follows : ( 1 ) For a covered nonbank that is a larger participant of a market for consumer financial products or services described under 12 U.S.C. 5514 ( a ) ( 1 ) ( B ) as defined by one or more rules issued by the Bureau, 30 days after this subpart takes effect with respect to that covered nonbank ; ( 2 ) For a covered nonbank described under any other provision of 12 U.S.C. 5514 ( a ) ( 1 ), 120 days after this subpart takes effect with respect to that covered nonbank ; and ( 3 ) For any other covered nonbank, 210 days after this subpart takes effect with respect to that covered nonbank.

( b ) Calculation of dates. If paragraph ( a ) would establish a nonbank registry implementation date on a date that is a Saturday, Sunday, or Federal holiday, the applicable nonbank registry implementation date will be the next day that is not a Saturday, Sunday, or Federal holiday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: PA

Complaint narrative:
m writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
I sent money from my Navy Federal Credit Union business account. I sent {$110000.00} to make payment on an invoice between my company, a USA based company to my wife 's company a XXXX XXXX company. The money was send on XXXX XX/XX/2025 from Navy Federal Credit Union who sent it to XXXX XXXX as Intermediary, and XXXX XXXX sent the wire to XXXX bank. It's now XXXX XX/XX/2025 and the funds have not arrived. 

After 3 days of the funds not arriving I began making inquiries. NFCU stated that international wires may take up to XXXX to XXXX working days for the money to settle. So I patiently waited this time period, and began asking questions. The XXXX XXXX bank asked for the XXXX, so I requested that from NFCU and got the MT103 document that has the XXXX number. I provided the MT103 document to XXXX bank, where again they state that the transaction does not show up in their system. 

So I went back to NFCU to keep asking questions, and no one seems to understand what to do next, so I did my own research to learn that should request an investigation to get the MT199 and MT192 documents. 

I have tried to contact XXXX XXXX directly about the transaction, since they are the intermederiary. The XXXX XXXX logo is on the MT103 document. So its plainly obvious that they generated the MT103, which they refused to provide basic information, such as the transaction exists and what its status is. I asked them to escalate to someone at a higher level and the refused to do anything. 

I am not sure how to resolve my problem because NFCU does not know what to do, I asked Navy Federal for a XXXX trace, because the only thing that XXXX XXXX would share with me on what to do. XXXX XXXX told me to request the XXXX trace from Navy Federal. But NFCU does not know what a XXXX trace is and dont have established procedures to request it.

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 2025-10-29 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: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and relevant sections of 15 U.S.C. for willful and negligent violations by the following furnishers and credit reporting agencies.

Upon reviewing my credit report, I discovered multiple inaccuracies and unlawful derogatory entries : * * 1. XXXX XXXX XXXX - Reporting Charge-off and Canceled by Credit Grantor simultaneously, which is factually inconsistent.

- Reporting {$0.00} credit limit but showing an unpaid balance violation of FCRA 1681e ( b ).

- No verification provided upon request FDCPA 809 ( b ). 

These inaccuracies are damaging my credit profile and financial opportunities. I request the CFPB to : 1. Investigate these inaccuracies.

2. Order the removal of all invalid derogatory entries.

3. Award compensation for violations under FCRA 616 and FDCPA 813.

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 2025-10-29 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: WA

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX Original Creditor XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, 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 2025-10-29 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: MO

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
The report lists several inaccurate addresses, including XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Additionally, certain accounts, such as XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX  XXXX, are reported as late closed with a {$0.00} balance, which I dispute. Charge-offs including XXXX XXXX XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$530.00} ), and XXXX  XXXX XXXX ( {$0.00} ) are also reported inaccurately. Collections from XXXX XXXX XXXX XXXX  XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), and XXXX XXXX XXXX  XXXX ( {$900.00} ) are similarly inaccurate. Moreover, I am disputing multiple inquiries including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: MO

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
The report lists several inaccurate addresses, including XXXX XXXX XXXX, XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. Additionally, certain accounts, such as XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX  XXXX, are reported as late closed with a {$0.00} balance, which I dispute. Charge-offs including XXXX XXXX XXXX XXXX XXXX ( {$12000.00} ), XXXX XXXX ( {$530.00} ), and XXXX  XXXX XXXX ( {$0.00} ) are also reported inaccurately. Collections from XXXX XXXX XXXX XXXX  XXXX ( {$2700.00} ), XXXX XXXX XXXX XXXX ( {$1000.00} ), and XXXX XXXX XXXX  XXXX ( {$900.00} ) are similarly inaccurate. Moreover, I am disputing multiple inquiries including XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and 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 explanation
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
I want XXXX to stop reporting the late payments on this account as currently late on my credit reports. The account was paid in full in XXXX  They should not be reporting any lates on this account. Not only are they reporting it as currently late they have reported different days of being late on each report. This company is falsely reporting lates and should be removed from the credit bureaus. They need to correct and remove the late payments. No other auto loan company is reporting lasts after being paid off. XXXX only supplied my old contract as prove of verifying this account on my last complaint. 

Being reported to XXXX XXXXXXXX loans XXXX XXXX  Closed XXXX Missed Being reported to XXXX XXXX XXXX XXXX XXXX Closed XXXX Missed Being reported to Experian Auto Loans XXXX XXXX XXXX Closed XXXX LATE PAYMENTS

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 2025-10-29 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 want XXXX to stop reporting the late payments on this account as currently late on my credit reports. The account was paid in full in XXXX. They should not be reporting any lates on this account. Not only are they reporting it as currently late they have reported different days of being late on each report. This company is falsely reporting lates and should be removed from the credit bureaus. They need to correct and remove the late payments. No other auto loan company is reporting lasts after being paid off. XXXX only supplied my old contract as prove of verifying this account on my last complaint. 

Being reported to Equifax XXXX XXXX XXXXXXXX XXXX Closed XXXX Missed Being reported to XXXX XXXXXXXX loans XXXX XXXX Closed XXXX Missed Being reported to XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Closed XXXX LATE PAYMENTS

Company response to consumer: Closed with non-monetary relief