vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: GA

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

UNDER 15 U.S CODE 1681 the credit bureau violates my right by putting inaccurate items not belong to me, those items are listed below do not belong to me. i need a foul investigation done in remove them from my credit immediately. 

ACCOUNT NUMBER 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 2025-06-13 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: GA

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

UNDER 15 U.S CODE 1681 the credit bureau violates my right by putting inaccurate items not belong to me, those items are listed below do not belong to me. i need a foul investigation done in remove them from my credit immediately. 

ACCOUNT NUMBER 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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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 writing to formally report that I have been a victim of identity theft. I was recently advised by customer service representatives at both TransUnion and XXXX  to submit this statement and supporting documentation regarding several unauthorized hard inquiries that have appeared on my credit report. 

These inquiries were not authorized by me, nor did I initiate any applications for credit, loans, or services that would justify these entries. I believe these are the result of fraudulent activity and are causing unjust harm to my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), I respectfully request the immediate removal of all fraudulent and unauthorized inquiries from my credit report. I have attached a list of the disputed inquiries below, along with any supporting documentation, bank statement, Social Security number, and government-issued ID. 

Disputed Inquiries : Bank Name : XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX Bank Name : XXXX  Date of inquiry : XX/XX/XXXXXXXX  Bank Name : XXXX  Date of inquiry : XX/XX/XXXX Bank Name : XXXX  Date of inquiry : XX/XX/XXXXXXXX  Bank Name : XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX  Date of inquiry : 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 2025-06-13 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: TX

Complaint narrative:
I am formally disputing the tradeline being reported by XXXX XXXX XXXX XXXX on my credit report. This debt is inaccurate, unverifiable, and legally invalid. 

Pursuant to my legal rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I previously submitted written requests to XXXX XXXX demanding proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). 

Despite my dispute and multiple lawful requests, XXXX XXXX has failed to provide sufficient validation as mandated by federal law. To date, they have not produced : A signed contract or agreement bearing my signature, Any documentation legally assigning or transferring the debt to XXXX XXXX, A legally sufficient breakdown or itemization of the alleged charges, Proof of their legal right to collect or report this alleged debt. 
Instead, they continue to report unverifiable and disputed information on my Experian credit file in willful violation of both the FDCPA and FCRA. This conduct constitutes unlawful collection activity, defamation of credit, and knowing reporting of inaccurate information. 

Additionally, the failure of XXXX XXXX to properly validate this debt as required under Regulation F ( effective 2021 ) and to cease reporting during an open dispute period further violates consumer protection laws. 

This account is fraudulent, unverifiable, and is harming my creditworthiness unlawfully.

Demand for Action : I am requesting Experian to immediately delete this account from my credit file in its entirety.

I am requesting Experian to fully investigate the account and XXXX XXXX failure to comply with federal law. 
I am notifying you that if Experian continues to report this disputed, invalid debt, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal action under the Fair Credit Reporting Act and Fair Debt Collection Practices 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 2025-06-13 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: GA

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 non-monetary relief
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-13 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, I purchased two wristbands for the XXXX XXXX XXXX through XXXX XXXX Tickets for {$1000.00}. As the event approached and I had not received them, I filed a claim with Chase. I received the wristbands around XX/XX/XXXX, so I contacted Chase to cancel the claim. They confirmed the funds were returned to the merchant and said the wristbands would still work. 
On XX/XX/XXXX, the day of the festival, the wristbands would not scan at the entrance. I was forced to purchase XXXX new wristbands on-site. After the event, I contacted XXXX XXXX Tickets. They told me they no longer had the funds because the claim had been reversed and the event had passed. They advised me to contact XXXX. 
I submitted a message to XXXX through their website but have not received a response. I followed up with Chase again, and they confirmed the reversal was completed. Im now out {$1000.00} and neither the ticket provider nor the event organizer is taking responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am filing this complaint due to Equifaxs ongoing failure to properly investigate and resolve a credit card debt dispute that has now escalated into a legal matter. Since XX/XX/XXXX ( Dispute Confirmation Number XXXX ), I have submitted multiple requests to Equifax to validate a XXXX  XXXX XXXX credit card account that appears on my credit report. Despite my continued follow-upsmost recently in XX/XX/XXXX ( Dispute Confirmation Number XXXX ) and via Consumer Financial Protection Bureau ( CFPB ) Portal ( Complaint ID XXXX, Equifax Dispute Confirmation Number XXXX ) Equifax has not provided any written verification, documentation, or resolution, nor have they removed the account from my report. 

Because Equifax failed to verify the accuracy of this debt in a timely and lawful manner under the Fair Credit Reporting Act ( FCRA ), XXXX  XXXX XXXX is now using that inaccurate information as grounds to pursue a civil suit against me. This has caused unnecessary stress, legal exposure, and damage to my financial reputationdespite the fact that the validity of the debt remains unproven. 

I believe Equifax 's lack of response and failure to act on my dispute has directly contributed to XXXX  XXXX XXXX 's attempt to initiate legal proceedings. I am requesting that this matter be urgently reviewed and addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-13 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-06-13 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/year> I deposited a check into the ATM to go to navy federal credit union. I used an ATM at a co-op location called XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the deposit showed in my account as being made, but the balance was not made available to me at that time. I waited a XXXX  before calling the bank to ask when the funds would be made available and was then told that I should wait at least another XXXX business days for the funds to be made available. I then waited another week for the funds to become available before calling again and being told that they should be available within XXXX XXXX hours. On XX/XX/year>, I called the bank to ask why the balance was still not available and was told that the account has been marked as fraudulent or counterfeit, and no further information was going to be given to me. I was then transferred to a supervisor who listened to the summary of what was going on, and also told me that they would not be able to help me with the issue and that the issue lies with the original bank that the check was written from. 
At that time, I met with the person who wrote the check to me and we called her bank together, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX stated that the funds had posted and been released to Navy Federal credit union and they provided us with a copy of the front and the back of the check stamped and dated as posted and released. 
I then uploaded this proof to my Navy Federal credit union app on my phone and explained the situation. I attached the documentation. Navy Federal Credit Union responded immediately that they can no longer assist me in this matter. I will provide these messages for review. 
I then called Navy Federal credit union back again and spoke with a third supervisor who assured me that they would escalate the problem, that a case XXXX would contact me by phone after reviewing the documentation that I already uploaded and hopefully be able to release the funds at that time. They also stated that the security team is very secretive and no one will be able to get further information from them as to why they will not release the funds. 
The case XXXX emailed me back today, XX/XX/year> that they will not be able to help me any further and can no longer assist me in this matter. 
I have exhausted all contact with Navy Federal Credit Union and hope to get this situation looked at by someone that can assist me to get my funds released.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX, FL 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
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
I am formally disputing inaccurate and unverified information currently reporting on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any unverifiable or false data, and I expect immediate correction. 

Creditors are required by law to validate and verify any information they furnish. It is unacceptable that false allegations of delinquency and derogatory activity have been reported under my name without proper proof. I demand that you provide documented evidence supporting the accuracy of these accounts and inquiries, including proof of permissible purpose under 15 U.S. Code 1681b.

Your failure to ensure accuracy before reporting is a direct violation of your legal responsibilities. If you can not verify the information with full documentation, you must delete it from my report. You have 30 days from the date of receipt of this letter to complete your investigation and provide a written response with results. 

The following accounts are being disputed : XXXX XXXX  - XXXX XXXX XXXX XXXX  XXXX In addition, I am aware that your agency may be using standardized form letter responses to consumer disputes. If this is the case, it may be a violation of 15 U.S. Code 1681i, which requires each dispute to be handled based on its specific facts and merit. Dismissing my challenges based on formatting or method of submissionespecially when my letters are lawfully prepared using public softwareconstitutes willful noncompliance with federal law. 

If you fail to investigate and correct this matter properly, I will not hesitate to escalate this to legal counsel and file formal complaints with the CFPB, FTC, and my state Attorney Generals office. 

I expect a full and compliant resolution within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
Request to Investigate and Correct Inaccurate Late Payment Reporting I am writing to bring your attention to an inconsistency regarding late payment marks on my credit report for my account with Mercedes-Benz Financial ( Account Number : XXXX ). 
Auto loan open MERCEDES BENZ FINANCIA XXXX or XXXX Account was opened in XXXX XXXX, XXXX Balance : XXXX $ XXXX  shown on XXXX, XXXX and XX/XX/XXXXXXXX  And these incorrect late payments shown on all the three credit bureaus! On XXXX, on XXXX and on XXXX.

Company response to consumer: Closed with explanation