vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and 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 2025-12-09 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 filing a complaint because Equifax, Experian, and TransUnion have continued to report inaccurate and fraudulent information on my consumer reports despite my previous written disputes. All three credit reporting agencies claimed to have verified the accounts, but none have provided the legally required method of verification, the name of the person they spoke with, or proof that the accounts belong to me.

Some accounts are not mine, and I am a victim of identity theft, supported by an FTC Identity Theft Report. Other accounts are inaccurate, and the data furnishers have failed to provide validation despite my direct requests more than 30 days ago.

The bureaus have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681e ( b ), 1681i ( 7 ), and 609 ( a ) ( 1 ) ( A ) by failing to complete a reasonable investigation and failing to provide the method of verification upon request. 

I am requesting CFPB assistance in compelling the bureaus to : ( 1 ) Provide the complete method of verification or ( 2 ) Immediately delete the disputed accounts. 

The following accounts do NOT belong to me : XXXX XXXX XXXX Account Number : XXXX Included in my FTC Identity Theft Report. 

This account continues to be reported across the bureaus despite documentation of identity theft. 

Inaccurate Accounts Not Validated by Furnishers Equifax Disputed Accounts XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX Experian Disputed Accounts XXXX  Acct : XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Accts : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX  Acct : XXXX Incorrect personal information : Address reported : XXXX XXXX XXXX XXXX, TX XXXX not my address TransUnion Disputed Accounts XXXX  Acct : XXXX XXXX  Accts : XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX  XXXX  Acct : XXXX XXXX  Acct : XXXX I cited the following laws in my letters : 609 ( a ) ( 1 ) ( A ) Right to original signed contract 1681i ( 7 ) Right to method of verification 1681n Willful non-compliance penalties 1681s ( 2 ) ( A ) Furnisher duties 621 FTC enforcement 611 Right to reinvestigation None of these rights were honored.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There has been a long standing charge that I had called and disputed from a medical company I did not authorize. I was told it was taking care of. I have been locked out of the account since online. Now I am receiving bills saying I owe all of this interest and fees on a charge I was told was disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: Self Financial Inc.
State: CA

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 and 1681s-2 ( a ). The account being furnished by Self / South State Bank on my TransUnion credit report is the result of identity theft. I did not open, authorize, or benefit from this account in any way. This same account has already been removed from a prior credit bureau and is now being reported again without my authorization and without proper written certification of accuracy. This constitutes unlawful reinsertion and improper furnishing of inaccurate information. South State Bank has failed to conduct a reasonable investigation and is continuing to report information that is inaccurate and disputed as identity theft. I am formally demanding immediate and permanent deletion of this account from all credit reporting agencies, written confirmation that this account will not be reinserted, and full validation of how this account was opened, including the original application, IP logs, and identity verification methods used at the time of account creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WI

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OK

Complaint narrative:
Attempted to cancel XXXX via online account, spent several hours navigating online account. I could not find a click to cancel icon. 
Called XXXX XXXX, request, required additional information by customer service, such as account number, name and address should have been enough to terminate service. I told the customer service that I was not going to do those extra steps and information. I told them I would just not pay any more, and now this will terminate service. On this same day I unplugged the modem. XXXX XXXX XXXX should reflect on the date no data service was used. if XXXX knows what data plan I was on, before I even logged in. 
" click to cancel '' is required by federal law. 
surf XXXX XXXX website for a lower price, only option was to a higher price level. 
I did use any of the services, so I don't owe any money to XXXX XXXX. switch to another 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 2025-12-09 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: IA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-09 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: IA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Tried to make a payment on the due date of XXXX at XXXX and was told on website can only be XXXX or later. I had the funds ready on XXXX and they wouldnt let the payment process and charged me late fee. they are taking advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MI

Complaint narrative:
I pulled my credit report ahead of the new year. I sited numerous errors, inquires and incorrect accounts. I only have one address which XXXX XXXX XXXX XXXXXXXX, MI XXXX. MY number is only XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I am submitting to formally dispute inaccurate information appearing on my Equifax credit report regarding my XXXX  XXXX account ( Account Number XXXX ) and the reporting of my personal address. Despite my previous dispute submissions, the errors have not been corrected, and I am frustrated that this account continues to be reported inaccurately. I am requesting a full reinvestigation and correction of my credit report in compliance with the Fair Credit Reporting Act ( FCRA 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ), 623 ( a ) ( 2 ) ), which obligate credit reporting agencies to maintain maximum possible accuracy, investigate disputes thoroughly, and correct any inaccurate information.

The account in question shows a balance of {$690.00} with late 30-day payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, an open date of XX/XX/XXXX, and a last activity date of XX/XX/XXXX. 
Importantly, this account does not appear on my XXXX  or XXXX  reports, suggesting either that those bureaus have already repaired or updated inaccurate information, or that the account has not been accurately reported across all credit reporting agencies. The inconsistent presence and reporting of this account is misleading and negatively affects my creditworthiness. Under FCRA 611, I am entitled to a complete reinvestigation, and under FCRA 623 ( a ) ( 2 ), the furnisher and bureau are required to correct or update any information found to be inaccurate. 
Additionally, my Equifax report lists my address incorrectly as XXXX XXXX XXXXXXXX XXXX XXXX, WA, XXXX. This is inaccurate and does not reflect my true residence. Reporting an incorrect address violates the FCRAs requirement for maximum possible accuracy under 607 ( b ) and creates potential confusion with mixed files or identity verification issues. I request that Equifax immediately correct my address to reflect my accurate residence and ensure consistency across all reporting platforms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: NV

Complaint narrative:
While auditing myXX/XX/XXXXcard statment, I discovered an unauthorized transaction with a merchant I do not recognize. 

Posting date - XX/XX/year> Transaction amount - {$5600.00} Merchant Name - XXXXXX/XX/XXXXXXXX Reason For Dispute - Stolen card information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding multiple willful violations of the Fair Credit Reporting Act and the continued publication of inaccurate, misleading, incomplete, and unverified information by Equifax and the listed furnishers. After prior disputes, the following inaccuracies remain reported without correction or proof of investigation : XXXX XXXX XXXX XXXXXXXX Account XXXX Balance listed as {$690.00}, High Credit listed as {$690.00}, meaning no credit extension ever existed, making this unverifiable as an extension of credit. 
No Date of Last Payment recorded, yet ongoing status reporting continues.

Payment history shows continuous reporting without any ledger, remittance records, or validation.

Reporting as unpaid with no validation proves continued furnishing of unverified debt. 


Per FCRA 602, 607 ( b ), 609, 611, 623, furnishers and bureaus must ensure information is accurate, complete, and verifiable. Reporting : conflicting dates, balances higher than original credit lines, accounts marked closed but still collecting, disaster codes without authorization, and unverifiable items without ledgers or proof of assignment represents willful noncompliance, consumer harm, and negligent reinvestigation.

The continued reporting of materially false, unverifiable, and misleading derogatory credit information has resulted in credit denials, higher interest costs, emotional distress, loss of economic opportunity, and ongoing reputational harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint is being filed because the credit reporting agency has returned a response to my previous CFPB dispute claiming that the contested accounts, inquiries, and personal identifying information were verified. This verified response is inaccurate, incomplete, and inconsistent with the requirements of the Fair Credit Reporting Act. Pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and FCRA 611 ( a ) ( 7 ), I am invoking my right to request a Method of Verification for every item the credit reporting agency reported as verified, including : 1. All accounts disputed in the initial CFPB complaint XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$320.00} 2. All hard inquiries associated with those disputed accounts XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. All addresses, address-identification numbers, prior address references, or non-consumer-provided personal identifiers appearing on the file that are not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX The credit reporting agency has not provided any legally sufficient evidence that they contacted the furnisher, nor have they provided any procedure used to reinvestigate the accuracy of the disputed information. The agency did not contact me, did not contact the FTC regarding my identity theft report, and did not verify the authenticity of addresses or address-identification numbers linked to fraudulent accounts. Therefore, the verified response provided by the credit reporting agency is unsupported. Under the law, I have the right to receive : The exact name, address, and telephone number of the furnisher ( s ) of information A detailed description of the procedure used to verify the disputed items The source ( s ) of any address, inquiry, or account information the agency relied upon The method by which the agency verified the identity and address data appearing on my file The agency failed to provide all of the above.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax is knowingly reporting an inaccurate and unverified late payment on my credit file despite three written disputes and more than enough time to reinvestigate under the Fair Credit Reporting Act. The disputed item is : XXXX XXXX account ending XXXX Late Payment reported XX/XX/year>. Equifax has not provided any proof, records, or actual method of verification as required under FCRA 1681i, yet continues to publish damaging information that XXXX XXXX has never verified. This is a willful violation of 1681i and 1681s-2 ( b ), causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Navy Federal Wrongfully Denied My Fraud Claim For Unauthorized Charges On My Debit Card Ending In XXXX. I Was Physically In XXXX XXXX, Texas Making Legitimate Purchases While Someone In Another State Used My Card Information At The Same Time. I Submitted An Appeal And Provided All Required Information. 

Navy Federal Denied My Claim Without Conducting A Proper Investigation And Stated That The Charges Match Spending Patterns, Even Though I Clearly Demonstrated That I Was In A Different State When The Fraud Occurred.

I Requested The Documentation Navy Federal Used To Deny My Claim, As Required Under Regulation E. Navy Federal Refused To Provide It And Instead Sent A Generic One-Line Statement. They Did Not Provide Any Transaction Details, Location Information, Or Evidence Used In Their Investigation.

Navy Federal Has Failed To Conduct A Reasonable Investigation, Failed To Provide Required Documentation, And Wrongfully Denied My Claim. I Am Requesting A Full Review Of My Case And Enforcement Of Regulation E.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 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:
My name is XXXX XXXX XXXX XXXX : XX/XX/XXXX ). I am a confirmed victim of identity theft. A fraudulent account from XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) appears on my credit reports. It was opened in XX/XX/XXXX, when I was only XXXX XXXX XXXX, a legal minor with no ability to enter into binding credit agreements. I never applied for, used, or authorized this account. Someone illegally used my personal information. 

I have already reported this identity theft to the FTC and to the XXXX XXXX XXXX Department, and those reports confirm that I was a minor when this account was opened. I attached copies of both reports in my disputes with the credit bureaus. 

Despite submitting proof of my identity and proof of fraudulent activity, the credit reporting agencies have not removed this invalid account. It continues to damage my credit profile and future borrowing ability. This is a clear violation of the Fair Credit Reporting Act, including : FCRA 605B blocking of identity theft information FCRA 611 reinvestigation and correction requirements FCRA 623 accuracy obligations of furnishers

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 2025-12-09 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:
This entry does not accurately portray my financial responsibility. Please update my records to ensure they are correct.

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