vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am disputing several accounts on my credit report due to inaccurate late payment reporting. These accounts are either in good standing or closed, but two missed payments are being reported, which I believe are incorrect.

1. Navy Federal Credit Union Auto Loan This account currently shows two missed payments, which I dispute as inaccurate. The account is now current and in good standing. I have maintained regular payments and request a full investigation into the late payment history. 
2. XXXX ( Credit Card Account ) This account is currently closed but shows two missed payments. I am requesting a review of the account history and removal of these late payments, as they do not accurately reflect my payment behavior prior to account closure. 
3. Navy Federal Credit Union Personal Loan This account now has a XXXX balance. It is also showing two missed payments, which I believe are reported in error. I have since paid the balance in full and would like the late payments removed to reflect accurate and current information.

4. XXXX XXXX  ( Credit Card Account ) This account is closed but also reflects two missed payments. I dispute this information, as I was unaware of any delinquencies before the account closure. I request an investigation and deletion of these negative marks if they can not be verified.

These inaccurate entries are negatively affecting my credit profile. I am requesting that each of these items be investigated thoroughly and corrected or removed from my reports with XXXX, XXXX, and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
i have been disputing capital one bank usa na with the bureaus and the furnisher about this inaccurate account ending in # XXXX, it a charge off account that has already been written off by the company and they are providing inaccurate information concerning this account. it should have a balance missing data within the payment history which is a violation of 15 usc 1681s-2 ( a ) ( 1 ) ( A ) and i will file for litigation if this matter is not removed ASAP from my credit report. I even requested a copy of the irs 1099-c that comes with charging off an account and they never provided it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: OK

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 2025-04-16 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Last 4 SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Auto Loan from Credit Report To Whom It May Concern, I am writing to dispute and request the removal of a fraudulent auto loan that appears on my credit report. The account in question is not mine, and I believe it is the result of identity theft. 

The details of the fraudulent account are as follows : Creditor Name : CREDITACPT Account Number : XXXX * * * * Date Opened : XX/XX/XXXX Amount : XXXX I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a police report and placed a fraud alert on my credit file. Attached are copies of the police report, my FTC Identity Theft Report ( if applicable ), and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
I used XXXX and Cash App to send rent and a security deposit to an individual who claimed to be a landlord. After moving in, I discovered that the property was unsafe and uninhabitable with mold, rodents, rotting wood, and structural damage. I later found out this person was not legally allowed to rent the property and had been scamming other tenants in a similar way. I contacted both XXXX and Cash App to dispute the payments, explained the situation, and provided evidence, but both companies refused to return my funds. I am now seeking a full refund and formal acknowledgment of how my case was mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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 XXXX XXXX a victim of identity theft and I am requesting the removal of incorrect names XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX any name that does not pertain to XXXX XXXX or XXXX XXXX I am requesting that my address correctly reports as XXXX XXXX XXXX, XXXX, TX XXXX. 

I am requesting that my phone number be listed as XXXX. I have attached a copy of my identity theft, and my ID Im also requesting that these accounts that do not belong to me and are reporting incorrect information on my credit report Under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ) should be removed immediately. I have included a copy of my Social Security card my state issued ID and a report of my identity theft with the federal government site. 
Thank you in advance.. 

XXXX XXXX act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$660.00} past due as of XX/XX/XXXX. XX/XX/XXXX {$660.00} XXXX XXXX XXXX XXXX  XXXX Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$380.00} written off. {$380.00} past due as Unauthorized inquiries XXXX  XXXX XXXX. 
Inquiry Date Removal Date Type Phone Number XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Mortgage Reporters XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/XXXXType Automobile Dealers, Used Phone Number ( XXXX ) XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX Inquiry Date XXXX Removal Date XX/XX/XXXX Type Auto Financing Companies XXXX XXXX  Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX open car loan Addresses that should not be on my credit report XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, TX XXXX Resident typeSingle family

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 2025-04-16 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: PA

Complaint narrative:
On XX/XX/year>2025 I submitted several disputes via mail and I have received an email from both Experian and TransUnion stating they will not move forward with disputes saying that it didnt come from me or and authorized 3rd party in which it indeed did

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
Name : XXXX XXXX XXXX Consumer ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Drivers license ID Number : XXXX Address : XXXX XXXX XXXX XXXX CT XXXX # XXXX Early Earning Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning System consumer report. I have never opened or used the following accounts numbers : XXXX XXXX : ( Open Date : XX/XX/XXXX Routing # : XXXX Account # : XXXX XXXX XXXX XXXX XXXX : ( Open Date : XX/XX/XXXX Routing # : XXXX Account # : XXXX XXXX XXXX  : ( Open Date : XX/XX/XXXX Routing # : XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  : ( Open Date : XX/XX/XXXX Routing # : XXXX Account # : XXXXXXXX XXXX XXXX : ( Open Date : XX/XX/XXXX Routing # : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX2025, I sent a letter to Calvary Portfolio Services LLC requesting a debt validation of a written-off auto loan. I requested under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I requested a verification of debt, details about the charges off, original creditor information, a document of assignment, and proof of debt ownership. On XX/XX/XXXX 2025, I received a letter including a copy of the contract with the company I purchased the vehicle. I did not receive any details about the charge-off, a breakdown of the amount I owe, or how much the debt was sold for. I sent a follow-up letter on XX/XX/XXXX2025, stating that they provided the contract but did not address the request for the information regarding the charge-off status or the amount the debt was purchased for. On XX/XX/XXXX2025, I received a letter back from the company stating that they did an investigation and the information is showing correctly on my credit report, once again, not provide me the information is my right to have. Under each letter that I sent to the company, I stated that if they can not provide this information within 30 days, I request that they cease collection efforts and remove the collection from my credit report. It is still being reported as of today, XX/XX/XXXX25.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting this complaint regarding a late payment reported by Navy Federal Credit Union in XX/XX/2023 on account # XXXX * *. This one late payment has had a significant negative impact on my credit report, and I am respectfully requesting a goodwill adjustment to remove this derogatory mark. 

This payment issue was due to a simple billing error, not an intentional attempt to avoid payment. Prior to and after this one instance, I have maintained a perfect payment history with Navy Federal. I value my relationship with your institution and have always made every effort to resolve issues promptly and responsibly. 

At the time of the delinquency, I attempted to resolve the matter multiple times. Unfortunately, I was met with inaccurate information from customer service representatives, and at one point, I was even threatened with legal action and wage garnishment. These are serious claims, and I understand that threatening legal action or garnishmentespecially when a consumer is actively reaching out for assistanceis not compliant with consumer protection laws. 

Additionally, I believe electronic access to my account was frozen after the account became delinquent, disabling key digital tools. If this is the case, such actions would be considered unlawful and retaliatory, making it even more difficult for me to resolve the issue in a timely manner. 

Despite these issues, I am not looking to escalate this further or seek monetary compensation. My only goal is to have the late payment removed and the account updated to reflect " Paid as agreed Never Late ''. This one derogatory mark is significantly affecting my credit due to its recency, and it does not reflect my overall responsible payment behavior.

Furthermore, in the next 90 days, I am planning to apply for an auto loan through Navy Federal, and I would love to continue building a positive financial relationship with your institution. I believe in the values and mission of Navy Federal, and I am hopeful that you can consider this goodwill adjustment in light of my long-standing good standing.

I do not fault the entire company for the mishandling I experienced and am still committed to being a loyal customer. I only ask for fairness and understanding in resolving this matter so I can move forward without this mark holding me back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX 
Over XXXX dollars said i owed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: MI

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 2025-04-16 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:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: OH

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 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