vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-02 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:
I am an Equifax Data Breach impacted consumer whose personal information has been compromised. I reported fraudulent/identity theft accounts appearing on my credit report and requested blocking of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ).

The credit reporting agency failed to block these fraudulent accounts within the four-day timeframe required by law. This is a clear violation of federal law and a direct harm to my creditworthiness.

Despite providing notice of identity theft, these fraudulent and inaccurate accounts remain on my report. The bureau has ignored its duty to block and remove them.

Violations of Federal Law : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent identity theft data within XXXX business days. 

15 U.S.C. 1681n : Willful non-compliance with the FCRA.

15 U.S.C. 1681o : Negligence in reinvestigating disputed information.

15 U.S.C. 1681s-2 : Failure of furnishers to report only accurate and verifiable data.

Fraudulent Accounts in Dispute : XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX XXXX Fraudulent and inaccurate. 

XXXX XXXX Fraudulent and inaccurate. 

XXXX  XXXX Fraudulent and inaccurate. 

XXXX BANK XXXX Fraudulent and 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 2025-10-02 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: SLM CORPORATION
State: AL

Complaint narrative:
Multiple unauthorized hard credit inquiries have appeared on my credit reports across XXXX XXXX XXXX XXXX. I did not authorize these pulls, did not submit applications, and did not consent to any hard inquiries. These are damaging my credit unfairly and XXXX be related to identity fraud. I did not apply for loans, credit cards, or financing with any of these companies on the listed dates. I have disputed directly with the bureaus and creditors, but they have not provided any signed or electronic authorization forms, as required under FCRA 604. Since no proof of authorization has been provided, these inquiries are inaccurate and harmful to my credit profile.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-10-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Navy Federal Credit union erroneously transferred {$180.00} on XX/XX/year> from my savings to my checking to cover what they are saying is an overdraft protection. But they can not account for which transaction in my checking caused or was about to cause an overdraft. They stated I had {$17.00} in my account on the XXXX of XXXX then they stated I had {$17.00} on the XXXX of XXXX That was about to cause an overdraft, but I received my paycheck for {$3200.00} on the XXXX of XXXX so there could not have been an overdraft. Then the second reason after I disproved the first reason, they said it was because my husband made XXXX transactions totaling {$200.00} on XX/XX/XXXX. But when I told them he had transferred money in from his savings account ending in XXXX first before he made the transactions I was transferred over to the XXXX. Who after trying to justify them stealing my money hung up on me. First, he stated the bank accounts for the transactions going out before they account for deposits this was why my husband 's transactions made the account go into overdraft. Then he stated to me that he did not say that. The he hung up on me because I called him out on over-talking me. Then I called back and was told the bank does indeed account for transactions going to before they account for deposits and depending on what time a transaction hits the account it can cause an overdraft. But that was not the reason for my overdraft, and they still could not explain nor justify the overdraft transfer from savings to checking. They just made no sense and could not tell me the exact transaction that made my account need an overdraft protection of {$180.00}. There was none. Please see attached all transaction from my savings and checking from 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 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my XXXX filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the XXXX  case was filed and/or XXXX. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There are incorrect balances on accounts and incorrect reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: VA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6100.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : 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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/XXXX - Called Chime to ask what happened to my direct deposit? They said it might be an issue with adp because " chime '' doesn't hold checks. I looked on adp and have a paycheck stub for XX/XX/XXXX but STILL haven't received my paycheck. Chime said they have until XXXX release funds. XXXX was due YESTERDAY. TODAY is XX/XX/XXXX. WHERE is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX CARD Date : XXXX ACCOUNTS : XXXX. XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$830.00} XXXXXXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$860.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$400.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This account ( XXXX, acct # XXXX was charged off. It is inaccurately reporting as a new past-due delinquency each month ( showing as past due in XX/XX/year> ). Under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), furnishers must report information that is accurate and not misleading. A charged-off account should not be reported as having ongoing new delinquencies. Please correct this reporting to reflect the charged-off status only.

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 2025-10-02 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: PA

Complaint narrative:
This account ( XXXX, acct # XXXX was charged off. It is inaccurately reporting as a new past-due delinquency each month ( showing as past due in XX/XX/year> ). Under FCRA 623 ( a ) ( 1 ) ( A ) and 607 ( b ), furnishers must report information that is accurate and not misleading. A charged-off account should not be reported as having ongoing new delinquencies. Please correct this reporting to reflect the charged-off status only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
I am disputing inaccurate late-payment reporting that appears across my credit files with Equifax, Experian, and TransUnion. I am an Equifax XXXX XXXX consumer and also confirmed as impacted by the XXXX XXXX XXXX XXXX ( XXXX  ). Because both breaches exposed my personal identifiers, I face an elevated risk of file mismatching and inaccurate data reporting. This makes it critically important that the credit bureaus conduct rigorous reinvestigations and apply heightened verification standards. 

Despite multiple disputes and submissions of supporting documents, the bureaus and furnishers have continued to report contradictory and unverifiable derogatory data. Instead of correcting or deleting unverifiable information, they left late-payment codes that are inconsistent, not supported by records, and harmful to my credit standing. 

Key problem areas include : XXXX XXXX  ( Account ending XXXX ) Reported as open/current while simultaneously showing a XXXX late in XX/XX/XXXX. 

Contradictory dispute remarks appear across bureaus, showing no uniform or consistent verification. 

No method of verification or original payment records have been provided. 

XXXX XXXX ( Account ending XXXX ) Reported open/current but with a XXXX late in XX/XX/XXXX. 

Conflicting dispute remark coding across bureaus again demonstrates a lack of consistent verification. 

No contemporaneous statements or ledgers were produced to support the late code. 

XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines have been paid and closed with {$0.00} balances since XXXX. 

Despite this, they continue to show XXXX, XXXX, XXXX, and even XXXX late notations, often conflicting bureau to bureau. 

Some bureaus show the same loan as open while others show it as closed, which is factually impossible. 

A closed loan with a {$0.00} balance can not accrue new delinquency. No supporting ledgers have been provided. 

XXXX XXXX XXXX XXXX  Conflicting severe-delinquency codes reported ( XXXX  days vs. XXXX  days late for the same period ) across bureaus. 

Payment-history grids do not align, and dispute remarks differ between Equifax, Experian, and TransUnion. 

These inconsistencies demonstrate the data is not being reported with maximum possible accuracy as required by FCRA 1681e ( b ). 

Why this matters : These contradictions show that no reasonable reinvestigation occurred under FCRA 1681i. Publishing derogatory data without documentary proof while accounts are simultaneously coded as current, closed, or {$0.00} balance causes severe and unlawful harm to my credit scores. The presence of both Equifax XXXX XXXX exposure and XXXX XXXX XXXX XXXX impact magnifies the risk of mixed or misattributed data, yet the bureaus did not exercise heightened care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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