vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-15 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: CA

Complaint narrative:
Re : Request for Account Information Account Number : NAVY FCU - XXXX XXXX XXXX XXXX XXXX  Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: AZ

Complaint narrative:
A single account is being mixed into my credit file that does not belong to me and is clearly associated with another individual. I have never opened, authorized, or managed this account, nor have I had any involvement with it. Its inclusion under my name is completely unacceptable and results in inaccurate and misleading information being reported on my credit history. I take my credit profile seriously, and this misattributed account raises serious concerns about the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: TX

Complaint narrative:
I must emphasize that this complaint is not filed in error. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are causing significant distress and ongoing negative impacts on my life, and correcting them would provide substantial relief during this challenging period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This XXXX XXXX account has been paid in full, and the creditor has confirmed the paid status in writing. 

However, this account is being reported inconsistently across the credit bureaus. 
Equifax does not report any derogatory or delinquent payment history for this account, while Experian and TransUnion continue to report derogatory information for the same account. 

I previously disputed this information, and although the account was marked as updated, the derogatory reporting was not corrected and remains inaccurate. 

As currently reported, this information is incomplete, inconsistent, and misleading, and therefore inaccurate under the Fair Credit Reporting Act.

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 2025-12-15 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 am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments in Dispute XXXX Account Number : XXXXXXXX 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 2025-12-15 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:
I am submitting this complaint regarding inaccurate and unverified information TransUnion is reporting on my credit report. I am exercising my rights under the Fair Credit Reporting Act to dispute the following items. 

Charged-Off Accounts TransUnion is reporting the following charged-off accounts, which I dispute : XXXX XXXX Acct # XXXX, opened XX/XX/XXXX, balance {$790.00} XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX, balance {$760.00} I dispute the accuracy, balances, dates, and reporting of these accounts. TransUnion has not provided documentation proving that these accounts were properly verified. 

XXXX XXXX TransUnion is reporting inquiries that I did not authorize or recognize : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX SXXXX XXXX  XX/XX/XXXX I dispute these inquiries and request TransUnion provide proof of permissible purpose. If proof can not be provided, these inquiries must 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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
On XX/XX/year>, I submitted an application for a secured credit card through Capital Ones online portal, which required a {$200.00} USD security deposit. 

On XX/XX/year>, the security deposit was charged twice, resulting in a total charge of {$400.00} USD, as clearly shown in my bank statements. 

Despite the successful charges, I never received the secured credit card and no refund, partial or full, was ever issued. I also received email confirmation indicating that the card was processed and shipped. 

When I contacted Capital One, I was informed that there is no record of my payment. However, my bank statements conclusively demonstrate that the funds were received. 

The continued retention of these funds constitutes improper retention of consumer funds and unjust enrichment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: NC

Complaint narrative:
I am disputing inaccurate and unverifiable information appearing on my TransUnion credit report. TransUnion has an obligation under the FCRA to report only information that is accurate, complete, and properly verified. 

Charged-Off Account in Dispute CREDITOR : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> BALANCE : {$880.00} This account is being reported with adverse status without sufficient proof that the information is accurate or that proper investigation has been conducted. If TransUnion can not fully validate this account, it must be deleted. 

Unauthorized / Unverified Inquiries The following inquiries appear on my TransUnion credit report without my clear authorization or documentation of permissible purpose : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS ( DO NOT REMOVE ) The following accounts are positive and accurate. They are listed for clarity only and should not be altered or removed as part of this dispute : XXXX 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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capitol One refused to refund my {$400.00} ( {$310.00} charge plus interest to XX/XX/24 ) I was charged by the IRS on the back end of my first ever request for an overdraft. The date was XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
Huntington Bank advertised a promotional High Interest Rate relationship Money Market Account. I was very aware the rate was promotional and subject to change, however, I expected to receive an email notification when this occurred. There was no email. In fact, you can not see your interest rate from the website at all, you need to wait for your statement. So in theory, the rate could have changed 30 days ago without your knowledge. Huntingtons solution to this is to have you call to ask daily what your interest rate is. My rate dropped from XXXX XXXX XXXX XXXX XXXX. Their flashy front page says Lets get more from money but they mean anything but that for investors. This was the classic bait & switch and I fell for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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 am disputing several accounts on my credit report that do not belong to me and were opened without my consent. Please investigate and remove them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX # XXXX XX/XX/XXXX -- {$7000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX  # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$260.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: LA

Complaint narrative:
Upon the XXXX phone call I explained that I owe no debt please don't call in ref : to any outstanding debt I do not have any. I received multiple calls that I did not answer, now I have received multiple text the last XXXX dated on Sun XX/XX/year> at XXXX a.m have and XXXX with a ref # XXXX and a website unifintxt.com/46tna. upon after all voicemails that was left was a computerized voicemail message for me to contact this company. I have no intentions on contacting I do not want to get caught up in any scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: PA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-12-15 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 disputing several inaccurate, incomplete, and unverifiable items on my TransUnion credit report. These entries are negatively impacting my creditworthiness and appear to be reported in violation of the Fair Credit Reporting Act. 

CHARGED-OFF ACCOUNTS ( TRANSUNION ) 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 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 Balance {$260.00} ) These accounts contain discrepancies in balances, dates, and reporting status, and some appear duplicative or improperly updated. I am requesting full verification or deletion. 

INQUIRIES ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize or recall authorizing these inquiries. Please provide proof of permissible purpose or remove them. 

LATE PAYMENTS ( TRANSUNION ) 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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
the year 2020 and account was opened without my knowledge and i ws put on an usher.the account balance is XXXXXXXX XXXX and has showed up on my credit report.this has damadged my credit and caused me deniel for credit.have called citi bank many times but never get any answeres.i dont understand how someone can only use your name, phone number, and address to do something like this to someone.all im asking is help to fix this.

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 2025-12-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
In late XX/XX/year>, I received emails regarding approval for a OnePay debt and credit card. I thought at first it was simply someone using the wrong email, but then I received a notification for a new account on my credit report. 

I immediately froze my credit with all three agencies and was able to login to the OnePay account using my email and the password reset. I saw that the phone number was not mine, and the only history on the account was a {$5.00} transfer ( presumably some promo balance? ) that was sent to a name I had never heard of. I tried to call the number but it was disconnected. 

I contacted OnePay and had them cancel the account plus the debit/credit cards. 

I want it removed from my credit history/report as well. 

Thank 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