vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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: DE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-20 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-08-20 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I accidentally made two payments toward my XXXX loans instead of one. I called the provider within an hour after making the payment and requested a stop-payment on the {$700.00} payment. They processed the stop-payment and said the money would not come out of my checking account. Within a few days, the {$700.00} was deducted from my Citizens Bank checking account anyway. I contacted Citizens to ask why that happened, and they submitted a dispute on my behalf. The next day I saw that the dispute was withdrawn. I called Citizens to ask why the dispute was withdrawn since I did not authorize that, and they said they made a mistake in submitting the claim and then rectified it, causing additional delays in processing. I incurred overdraft fees amounting to {$350.00} within the next two days due to this deduction. I asked Citizens if they could make an exception for these fees given the situation, and they said no. I deposited a total of {$910.00} between XX/XX/XXXX and XX/XX/XXXX ( a Monday and Tuesday ) in an effort to cover the negative balance, but they kept charging fees. They claim there were additional transactions posted before my deposits, but each time I deposited enough to cover what it seemed like my negative balance amounted to. This is misleading and causing me extreme financial distress as they will keep charging me {$170.00} a day. This would not have happened if they processed the stop-payment in the first place, which I was told was all set. I will not be able to keep up with their overdraft fees given that I have done my best to deposit money as quickly as possible ( within one and two business days ) to prevent additional fees, but they choose to charge the fees prior to processing my deposits. These practices are predatory and the Citizens Bank has been of no help to me, in fact they have made the situation worse, despite me being a long-time customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX SSN ( last four ) : XXXX Date : [ Insert Todays Date ] Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Navy Federal Credit Union Reporting of Expired Account Dear CFPB, I am submitting this complaint regarding Navy Federal Credit Unions reporting practices. Navy Federal is continuing to report an account on my credit report that has exceeded the seven-year reporting limit under the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, negative accounts such as charge-offs, collections, or other derogatory information are not permitted to remain on consumer credit reports for more than seven years from the date of first delinquency. The account in question is past this allowable reporting period and should have been removed.

Despite this requirement, Navy Federal continues to report this outdated account, which is causing harm to my credit profile and financial standing.

I respectfully request that the CFPB investigate this matter and require Navy Federal Credit Union to remove this account from my credit report in compliance with federal law.

Thank you for your attention to this matter. Please contact me if additional information or documentation is required. 

Sincerely, XXXX XXXX SSN ( last four ) : 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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

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 2025-08-20 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: IN

Complaint narrative:
I recently looked at my credit report from Experian and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within XXXX business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 


List Hard Inquiries : XXXX. XXXX XXXX XXXXXX/XX/year> These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B. 

And delete the inaccurate personal information from my credit report.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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

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 2025-08-20 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: CA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-20 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-08-20 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: IN

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft. 

These inquiries were not authorized by me and should be removed. 

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within XXXX business days of receipt. 

These inquiries are causing me hardship and are preventing me from obtaining new credit. 


XXXX XXXX Inquiries : XXXX. XXXX - XX/XX/year> These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B. 

And delete the inaccurate personal information from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: OH

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Complaint Against : USAA Federal Savings Bank Product : Credit Card Accounts Ending : XXXX / XXXX Summary of Complaint : My USAA credit card accounts were closed following fraudulent activity. The fraudulent charges were refunded, and my balance was adjusted ; however, USAA has refused to restore my credit line, issue a replacement card, or reestablish my account access. I did nothing wrong, and the fraud occurred while I was hospitalized and unable to monitor my account. 

I understand that under the cardholder agreement, USAA has discretion to close accounts. However, this blanket closure after resolving fraud is unfair and punitive to the customer. The fraud was clearly outside of my control, yet I am now left without access to a long-standing credit relationship that I responsibly maintained prior to the compromise. Legal and Consumer Protection Issues : Unfair or Abusive Acts or Practices ( UDAAP ) 12 U.S.C. 5531 : Closing accounts permanently after fraud resolution is harmful to consumers who were victims, not perpetrators, of identity theft. Fair Credit Reporting Act ( FCRA ) Concerns : If USAA reports these closures as closed by creditor without clarifying the fraud context, it may unfairly harm my credit.

Equitable Treatment : Consumers should not be penalized for being victims of fraud. Industry practice is to issue replacement cards and restore access once charges are reversed.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year> my account was fraudulently used for the amounts of {$560.00} and {$810.00} that was posted on XX/XX/XXXX. When the initial charged happened on my account I notified Navy federal to stop the charge, which I was told that they will not be able to stop the charge. On XX/XX/XXXX the balance updated to {$810.00} and {$560.00} I then called Navy Federal back to dispute the charges made on my account. I asked the fraud representative if there was anything that I needed to do on my end and she advised no that they would figure it out then my claim was denied. At that point I called Navy Federal back to figure out what exactly is happening to my money and then they advise that at that point maybe I should get a police report which I did. I had to leave work XXXX different days to travel to XXXX  XXXX to make police reports and called police to the establishment in question to help me get the receipts from that night. Through the help of the police I was able to get the phone number of the owner of the establishment, to try to figure out when I could come and get copies of those receipts. Which the owner never gave, and told me that my bank should just give it back since its fraud. After telling her that the waitress who processed the transaction described a big XXXX man as the person who authorised the transaction on my card and she remembers because he left her a huge tip of {$560.00}. I then submitted the appeal as navy federal advised with every piece of evidence I could get my hands on.I have even uploaded my location history for XXXX XXXX and XXXX to show proof that I was no where near the place in question. After being at that sketchy place trying to investigate as hard as I can to get my money back. I have wasted transportation and time off work on top of being out of my money that navy federal is dragging to give back to me. I have called navy federal countless of times, and spoken to managers that have no details to give, or hang up on me without any regard. From XXXX to here were are the end of XXXX without my money or update. I have spoken to countless of reps from navy federal who has admitted that my case reeks of fraud but there is nothing they can do but wait on a department that they cant reach, which is unacceptable. You believe and expect for your money and interests to be secured when choosing a bank. But this has been a nightmare! From the fraudulent sketchy sham of business that XXXX XXXX XXXX IN XXXX XXXX that takes people financial information and scam their accounts to the way I was treated and handled with my own financial institution. This ordeal has caused great turmoil, mental and emotional distress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-20 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: FL

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation