vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am disputing multiple unauthorized hard inquiries made by Navy Federal Credit Union & XXXX XXXX on my XXXX  credit report : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I did not authorize these credit pulls, nor did I initiate any new applications for credit or loans with Navy Federal during these periods. These inquiries are negatively affecting my creditworthiness without a valid permissible purpose. 

Under FCRA 604 ( a ), a hard inquiry requires explicit consumer consent and a legitimate purpose. I have not received any documentation proving my consent for these inquiries.

Further, according to Metro 2 reporting standards, all inquiries must be reported using the correct : Permissible purpose codes Authorized consumer identifiers Documentation verifying consent These inquiries are not only unauthorized but are being reported in violation of : FCRA 611 ( right to d
ispute inaccurate info ) FCRA 609 ( right to know the source and nature of info ) XXXX XXXX XXXX inquiry reporting compliance Despite my efforts to resolve this with XXXX and Navy FCU, the inquiries remain uncorrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-18 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: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a medical collection account Account # XXXX reported by XXXX XXXX XXXX XXXX, listed with the original creditor as XXXX  XXXX, with a balance of {$1100.00}, and a reported open date of XX/XX/XXXX on all XXXX bureaus appeared XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and updated credit reporting standards effective XX/XX/XXXX, medical collections must meet specific criteria before being reported. This account : Is not recognized or authorized by me, They're violating the one-year waiting period for medical debt reporting, And lacks validation that the services were rendered or billed to me.I request you remove this account from my credit report immediately unless full validation of this debt can be provided. My rights have also been violated because I have a fraud alert and freeze on my account with all Bureaus so this shouldn't be on here anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-07-18 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: TX

Complaint narrative:
am filing a complaint regarding an inaccurate credit reporting issue with Experian. I previously had a charged-off credit card account with XXXX XXXX XXXX XXXX XXXX which I settled directly with them for {$1800.00} this was agreed upon and paid in full. The original charged-off balance was approximately {$6000.00}. 

I have received a formal settlement letter from XXXX XXXX confirming that the account was settled, and I have submitted this documentation to Experian multiple times, including between XX/XX/XXXX and XX/XX/XXXX, requesting that the account be updated to reflect a {$0.00} balance and show it as settled. 

Despite this, Experian continues to report that I owe the full {$6000.00}, which is inaccurate and misleading. XXXX XXXX has confirmed that they reported the correct settled status on their end, and they are not showing any further balance due. 

Experian has refused to update the information, even after receiving the appropriate documentation. This incorrect reporting is negatively impacting my credit and creating unnecessary obstacles as I try to obtain a vehicle. 

I am requesting that the CFPB investigate this matter and require Experian to update the account to reflect the accurate balance of {$0.00} and the appropriate settled status. 

Thank you for your assistance.

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 2025-07-18 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 filing this complaint regarding XXXX unauthorized or inaccurate hard inquiries that appear on my TransUnion credit file : XXXX XXXX Inquiry date : XX/XX/year> XXXX XXXX Inquiry date : XX/XX/year> As per the Fair Credit Reporting Act ( FCRA ) Sections 604 and 609, a consumer reporting agency may only include inquiries in a credit file when there is a permissible purpose, such as my explicit authorization. I did not authorize these companies to access my credit report. 

I have already contacted TransUnion to dispute these inquiries and request an investigation for their removal. However, TransUnion has failed to correct or delete these inaccurate entries. 

These inquiries negatively affect my creditworthiness and violate my consumer rights under the 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 explanation
Consumer complaint received 2025-07-18 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed fraudulent accounts on my report that is currently hurting my ability to obtain credit.

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 2025-07-18 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. CXXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. CXXXXe XXXX XXXXXXXX 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, not later than XXXX business days after the date of receipt. 
15 U.S. CXXXXe XXXX Section XXXX ( XXXX ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-18 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-18 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:
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXX XXXX XXXX XXXX XXXX A collection account at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXXXXXX XXXX XXXX XXXX XXXX, that appears related to the aforementioned credit card account opened at XXXXXXXX XXXX 

XXXX account at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX XXXX that appears related to the aforementioned an account opened at XXXX. 

A collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$640.00}. 

And collection account at XXXX XXXX XXXX on XX/XX/XXXX, under the account number XXXXXXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on me consumer credit report maintained by you were not opened, made, or initiated by me. All of the forementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-18 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:
This is a formal notice regarding an account on my credit report that is not mine. I have every reason to believe this account was the result of identity theft or unauthorized use of my personal information.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing a repossession account currently being reported under XXXX  # XXXX as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. 

Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed a charge from XXXX XXXX on my Wells Fargo checking account. On XX/XX/year>, I was given a dental treatment plan and payment agreement, which I signed. Later, I decided to cancel the treatment and never received any procedures or services. 

I emailed XXXX XXXX to cancel shortly after signing and never went back for treatment. However, I was still charged {$940.00}, and Wells Fargo denied my dispute even though I sent proof that the treatment was never completed. 

I should not be financially responsible for services that were never performed. This feels like unfair billing, and Im asking the CFPB to review how Wells Fargo handled the dispute and hold XXXX XXXX accountable for charging for incomplete or canceled services.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding a derogatory tradeline being reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX on my credit report. This account has already been paid and closed, yet it continues to report as a charge-off and is actively damaging my credit profile. Despite full satisfaction of the account, the negative status remains, with no supporting updates, corrections, or evidence of ongoing liability. 

I previously attempted to resolve this matter through the credit bureaus. However, the furnisher did not provide any meaningful documentation or validation to justify the continued negative reporting. It appears they are relying on automated verification systems that simply restate outdated information, without fulfilling their obligations under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that XXXX Destiny provide complete documentation verifying the accuracy of this reporting, including : The original signed credit application, The full payment history, including when the account was charged off and paid, Any communications sent to me about the charge-off, And a legal justification for continued negative reporting of an account that has no unpaid balance and is no longer active. 

If they can not produce this information, I request that the tradeline be deleted from all credit bureaus in accordance with FCRA 623, which requires data furnishers to report only accurate, complete, and verifiable information. Reporting a paid charge-off with no context, no updates, and no verification is misleading and detrimental to the consumer. 

This is a time-sensitive matter, as this derogatory tradeline is currently affecting my ability to qualify for a mortgage with favorable terms. I am seeking full deletion of this tradeline as the only fair and reasonable resolution. I have satisfied my financial obligation to this creditor and should not continue to suffer long-term credit damage for an account that is both paid and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
Upon careful inspection of my credit report, I found an account that I did not authorize, initiate, or consent to. I have never been associated with this account in any capacity, and its presence is inaccurate.

Company response to consumer: Closed with non-monetary relief