vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I sent a dispute and validation request directly to Navy Federal regarding a purported charge-off account. Despite legal obligations, Navy Federal Bank failed to address GLBA & 6802 ( b ) - ( c ) and FCRA obligations in regards to giving me the consumer the right to opt out and they disclosed my personal consumers nonpublic personal information to 3rd parties. 

GLBA 6802 ( b ) ( c ) : Privacy and Opt-Out Requirements Under 15 U.S.C. 6802 ( b ), a financial institution can not disclose a consumers nonpublic personal information to nonaffiliated third parties without first providing a clear privacy notice and an opportunity to opt out. Section 6802 ( c ) prohibits re-disclosure or reuse of such information by third parties. [ Creditor ] has failed to provide evidence that such notices, opt-out mechanisms, or my signed consent were ever given. 

The company failed to provide me everything requested written above according to the consumer laws contained herein this complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX XX/XX/year> To : CFPB Subject : Cease and Desist Incorrect Credit Reporting To Whom It May Concern : I am writing regarding inaccurate and incorrect information that is being reported on my credit report under my name and Social Security number. This information is false, unverified, and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information and demand its correction or removal. I have previously notified you of this error, and yet the incorrect reporting persists. 

Therefore, I formally demand that you : Cease reporting any incorrect or unverifiable information concerning this account to the credit reporting agencies. Delete or correct the inaccurate item from my credit file immediately. Provide me with written confirmation of your compliance within 30 days of receipt of this letter. Be advised that if you fail to comply, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I also reserve the right to pursue legal remedies to protect my rights and credit standing. 
This letter serves as a final notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I am a victim of XXXX  XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: SC

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion continue to report inaccurate and unverifiable information on my credit files despite my rights under the Fair Credit Reporting Act ( FCRA ). These errors are damaging my creditworthiness and remain unresolved even after my previous disputes. 
Several addresses are being falsely reported across all three bureaus, including XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. These addresses are not connected to me in any way and must be deleted. My correct and only current address is XXXX XXXX XXXX, XXXX, SC XXXX. Under FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( b ), I have the right to know what identifying information is in my file, to have inaccurate or unverifiable information deleted or corrected within XXXX  days, and to expect maximum possible accuracy in reporting. 
In addition, both Experian and Equifax continue to report a XXXX  XXXX account ending in XXXX with a balance of {$0.00}, while all XXXX bureaus are reporting a XXXX  XXXX account ending in XXXX, also with a {$0.00} balance. These are listed as charge-offs, but since they carry XXXX balances they do not represent valid debts. Reporting them in this way is misleading, unverifiable, and should result in their removal under FCRA XXXX. 
My credit files are also being harmed by multiple collection accounts that are inaccurate, unverifiable, or the result of identity theft. Experian reports accounts from XXXX XXXX XXXX for {$760.00}, XXXX. XXXX XXXX XXXX XXXX for {$380.00}, XXXX XXXX XXXX for XXXX for {$370.00}, and XXXX XXXX XXXX for XXXX XXXX XXXX for {$160.00}. Equifax reports XXXX XXXX XXXX for {$760.00}, XXXX XXXX XXXX for {$370.00}, and XXXX XXXX XXXX for {$160.00}. TransUnion reports XXXX XXXX XXXX for {$760.00}, XXXX XXXXXXXX  for {$380.00}, XXXX XXXX XXXX for {$370.00}, and XXXX XXXX XXXX for {$160.00}. Under FCRA XXXX, accounts resulting from identity theft must be blocked when disputed, and under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate. FCRA XXXX ( b ) further requires all reporting to be accurate and complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: AR

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-11 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX  I filed a dispute for charges on my American Express account. I was told the disputed amount would be refunded while the investigation was pending, and that the matter would not be resolved until XXXX. This already seemed excessive, since credit card disputes are generally required to be resolved within 90 days. 

On XX/XX/year>, I received a bill for {$49.00}, which is part of the same amount I had already disputed. When I called American Express, I provided the last five digits of the card where the charge occurred. Instead of handling the dispute on that account, the representative insisted that I provide information from a completely different American Express card I also hold. They refused to process the dispute on the original account and attempted to connect it to an unrelated account where no balance is owed. 

This is improper. The disputed charge belongs only to the account where it was billed. American Express has no valid reason to request information about an unrelated account, and I am concerned this could negatively affect my other account. 

I am seeking correction of my account to reflect that the {$49.00} is part of my ongoing dispute, clarification on why unrelated card information was demanded, and assurance that no action will be taken on accounts not tied to the disputed charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Strong, Specific Version ( for What Happened box ) On XX/XX/XXXX, I sent Barclays a dispute letter regarding a reported late payment. I requested that they conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) and provide verifiable evidence to support the accuracy of the late payment.

Barclays only response was to send me generic billing statements, which courts ( e.g., Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ) ) have ruled does not satisfy the FCRAs requirement of a reasonable investigation. Barclays has therefore failed to comply with their legal obligations.

This failure is causing immediate, measurable harm : I am in the process of closing on a mortgage, and the unresolved dispute is lowering my credit score and increasing my loan costs. Without a proper investigation and resolution, I will suffer thousands of dollars in additional costs. 

I am requesting that CFPB act promptly to compel Barclays to, in light of their failure to conduct a compliant investigation, remove the intentionally unverified late payment from my credit reports as they did not meet their minimum legal obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 2025-09-11 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed accounts on my Experian credit file that do not belong to me. These accounts are tied to identity theft. With my disputes, I provided an Identity Theft Report to verify the issue. Despite this, Experian continues to report these fraudulent accounts, showing that the disputes were not properly investigated or resolved.

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 2025-09-11 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: NC

Complaint narrative:
recently i looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it is my understanding that you will investigate this account for me to insure accuracy. here is the account i am askiing to verify as accurate XXXXXXXX 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 it has XXXX different numbers for the same account

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 2025-09-11 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: EQUIFAX, INC.
State: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/year>, my card was charged about {$25000.00} at XXXX XXXX. I did not authorize or make this purchase. The merchant refused to provide any information when I contacted them. At the time, I was dealing with my XXXX  XXXX treatment, which made it impossible to focus on financial matters and delayed my ability to catch this charge. Chase initially credited the charge but later reversed it, claiming it was a dispute instead of fraud. Since then, Ive been bounced between departments with no explanation, no documentation, and no resolution. Chase refuses to provide details and insists I must pay, even though this was a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 2025-09-11 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: CA

Complaint narrative:
I recently discovered multiple unauthorized credit inquiries on my credit report, which are the result of identity theft. I did not initiate or consent to these inquiries, and I had no prior knowledge of them until I reviewed my credit file. The fraudulent inquiries are as follows : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX  XX/XX/year>

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