vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: MI

Complaint narrative:
Upon reviewing my credit report, I identified several errors. Under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to verify the accuracy of these accounts. Reporting unverified information without proper validation within the legal timeframe is not permissible. I request that you investigate and correct the following accounts listed on my credit report : I appreciate your prompt attention to updating or correcting these reported accounts. If this request is not addressed, immediate corrective action will be required. Thank you. 
XXXX XXXX XXXX Date Opened : XX/XX/year> Payment Status : Current I am requesting a verification of all information being reported for this account. While the payment status is listed as current, I would like to ensure that the entire reporting historyparticularly any past delinquencies or data inaccuraciesis accurate and up to date. If any unverifiable or outdated information exists, please correct it in accordance with the Fair Credit Reporting Act ( FCRA ).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 non-monetary relief
Consumer complaint received 2025-04-08 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX Ally Financial Issue Type : Incorrect information on credit report Complaint ID ( if following up ) : XXXX I am submitting a follow-up complaint regarding Ally Financials continued furnishing of inaccurate information to the credit bureaus, in relation to a previously settled auto lease account ( # XXXX ). 

Ally confirmed in writing on XX/XX/year>XXXX  that I had no further obligation on the account. Despite this, Ally is continuing to report this account as delinquent with late payment history and negative notations. 

Furthermore, the account was reinstated after repossession, and multiple late fees were waived or reversed. This calls into question the accuracy and completeness of their reported payment history. 

Additionally, I relocated to XXXX XXXX and several critical communications and notices were sent to my previous address in XXXX, violating proper notice obligations. 

These errors violate FCRA 1681s-2 ( b ), which requires furnishers to conduct a proper reinvestigation and update or delete information if found inaccurate. 

I am requesting that the CFPB compel Ally to correct or remove this account from all credit reporting agencies due to : Settlement status as of XX/XX/year>XXXX  ( no further obligation confirmed ) Misleading status post-repossession reversal Possible violation of XXXX XXXX reporting standards Ive attached the XX/XX/year>XXXX  letter from Ally as evidence. I respectfully request deletion or complete update to reflect Paid in Full Settled Closed No Negative Remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank is not allowing me to dispute charges on my credit card. Their online interface for disputes says that it is temporarily down. However, after waiting months, it does not change. I was told that I could instead call. However, when I call, I am not helped and instead passed back and forth between the fraud department and disputes department. When I send mail, I am told that my disputes are too old and I did not contact Citi soon enough, even though I had tried to have these disputes initiated within XXXX  months.

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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I request the immediate removal of these unauthorized inquiries from my credit report, as they are negatively impacting my ability to access loans and obtain credit. Furthermore, I would appreciate receiving confirmation or supporting documentation once this matter has been resolved.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Final judgment rejected- NFCU WILL NOT REVERSE THe funds they released in error 5 weeks after they received the court order to release my freeze- The garnish attorney used profanity. 
This is a court order - NFCU IS IN VIOLATION OF A COURT LRDER Sent from my XXXX On XXXX XXXX XXXX, at XXXX, XXXX XXXX XXXX wrote : Please see court order reversal of garnish- to be reversed and released per the court.. 

Thank you, XXXX XXXX XXXX XXXX XXXX Sent from my XXXX Begin forwarded message : From : XXXX Date : XXXX XXXX XXXX at XXXX EST To : XXXX, XXXX, XXXX, NFCUXXXX XXXX Subject : SERVICE OF COURT DOCUMENT : XXXX This is a system generated email. Please do not reply to this message. 

Division : XXXX XXXX XXXX : XXXX Style : XXXX XXXX. XXXX XXXX XXXX Court Order : Final Judgment in Garnishment Status : Rejected- Not Approved, The amounts conflict with the order issued in XXXX. 


The 17th Judicial Circuit serves the citizens of XXXX XXXX Florida. It is the second largest jurisdiction in the State of Florida. The information transmitted is intended only for the person or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of, or taking of any action in reliance upon, this information by persons or entities other than the intended recipient is prohibited. If you received this in error, please contact the sender and delete the material from any comp

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/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 2025-04-08 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: NY

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit matters a lot to me and so, I took a look at my credit report and found some big mistakes that are really hurting my score. Im really worried about the mistakes on my credit report. These inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. Ive worked hard to build my credit, and its just frustrating to see it impacted by errors that arent my fault. I need you to make sure all this information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really worried and want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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 have contacted and filed several disputes about fraudulent accounts being opened under my name. Also All accounts they are reporting have been removed from other credit reporting agencies but yet Experian refuses to properly investigate and remove them after being provided all necessary documentation and information. They are in direct violation of my consumer rights and breaking federal laws set in place to protect the consumer. This has now had an effect on my life and credit. I would like all negative accounts removed accept for ones that are I good standing. Also they are reporting incorrect information about my credit history which is 14yrs and 100 % on time payments. The credit history they are only reporting 5yrs and saying there are missed payments which is inaccurate and false. Meaning they are not properly investigating any disputes or properly reporting correct information. I am a victim of the lawsuit that has been filed against them. They refuse to correct and fix these problems and are in violation of UCC 1681-1 ( A ) ( B ) .. for this compensation and affect it has bring me I am requesting a total of {$9000.00} in punitive and emotional damages they have caused for misconduct of consumer protection. Also they have wrong names and addresses attached to my credit report which I have no ties with and they are refusing to remove them. Below the have attached all accounts that have been removed from every other credit reporting agency but not from Experian. They are falsifying their reports with inaccurate information and not properly reporting or verifying anything they have on file. Also I have authorized user accounts that are open and they have closed these accounts without any information stating from the creditors that these accounts are closed in which they are very much open.

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 2025-04-08 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 have contacted and filed several disputes about fraudulent accounts being opened under my name. Also All accounts they are reporting have been removed from other credit reporting agencies but yet Experian refuses to properly investigate and remove them after being provided all necessary documentation and information. They are in direct violation of my consumer rights and breaking federal laws set in place to protect the consumer. This has now had an effect on my life and credit. I would like all negative accounts removed accept for ones that are I good standing. Also they are reporting incorrect information about my credit history which is 14yrs and 100 % on time payments. The credit history they are only reporting 5yrs and saying there are missed payments which is inaccurate and false. Meaning they are not properly investigating any disputes or properly reporting correct information. I am a victim of the lawsuit that has been filed against them. They refuse to correct and fix these problems and are in violation of UCC 1681-1 ( A ) ( B ) .. for this compensation and affect it has bring me I am requesting a total of {$9000.00} in punitive and emotional damages they have caused for misconduct of consumer protection. Also they have wrong names and addresses attached to my credit report which I have no ties with and they are refusing to remove them. Below the have attached all accounts that have been removed from every other credit reporting agency but not from Experian. They are falsifying their reports with inaccurate information and not properly reporting or verifying anything they have on file. Also I have authorized user accounts that are open and they have closed these accounts without any information stating from the creditors that these accounts are closed in which they are very much open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: LA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-04-08 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: NC

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, been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 non-monetary relief
Consumer complaint received 2025-04-08 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 is to formally request the removal of all negative information from my credit report due to my XXXX XXXX XXXX. I was a XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was on XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. I am writing to assert my rights under the XXXX XXXX XXXX XXXX ( XXXX ). This federal law provides significant protections for servicemembers, including those related to their credit reports. Specifically, the XXXX allows for the removal of certain negative information from credit reports when such information resulted from financial hardships experienced during XXXX XXXX XXXX. I request the removal of the following types of negative information from my credit report : Delinquent : Any Account that became delinquent during my XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX Collections : Any accounts placed in collections during my period of XXXX XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : Any Inquiries acquired while I was on XXXX XXXX : XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I understand that I am responsible for fulfilling my financial obligations. However, my XXXX XXXX XXXX  has significantly impacted my ability to manage my finances, and I believe it is unfair to have my credit report negatively impacted due to circumstances beyond my control. I have attached copies of XXXX orders to this letter as proof of my XXXX XXXX XXXX. I request that you investigate my request promptly and remove the specified negative information from my credit report within XXXX  days. I look forward to 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 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Due to Equifax Data Breach Dear Equifax Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute the inaccurate information on my credit report as a result of the XXXX Equifax data breach, which may have compromised my personal and financial data. 

I believe that the recent inaccuracies or fraudulent activity on my credit report could be a direct consequence of this breach. Therefore, I request a thorough investigation into the following items listed on my report : Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX Account : XXXX XXXX XXXX  XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX balance XXXX Due to the breach, I have reason to believe that this information is not accurate and may be linked to identity theft or other fraudulent activities. To assist with the investigation, I have enclosed copies of the following documents for your review : A copy of my government-issued ID A recent utility bill or bank statement verifying my current address Any relevant documents or police reports related to the identity theft ( if applicable ) Please conduct a full investigation into this matter and take the necessary steps to correct any erroneous or fraudulent information on my report. I request that you notify me of the outcome of your investigation in writing as soon as it is completed. 

Additionally, I request that a fraud alert be placed on my account, as I have not already done so, to protect my identity from further harm. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief