vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: AZ

Complaint narrative:
I am formally disputing inaccurate information on my credit report due to bank errors in billing and reporting. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately apply payments and provide proper billing statements. However : Payments I made were not correctly recorded.

Reported amounts contain calculation errors.

I did not receive the required 21-day advance notice before payment was due.

These violations have resulted in unjust late marks on 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing multiple unauthorized credit inquiries currently listed on my credit report. These inquiries were made without my knowledge or consent and have negatively impacted both my credit score and overall creditworthiness. 

I previously contacted your agency about this matter and was assured that these unauthorized inquiries would be removed. However, they remain on my report. This continued failure to take corrective action is unacceptable. These potentially fraudulent inquiries raise serious concerns about identity theft and have caused considerable emotional and financial distress.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute accounts that are being reported under my name without my knowledge or authorization. I have never opened, managed, or approved these accounts, and their presence on my credit report is both inaccurate and misleading. 

This is a serious issue that misrepresents my financial history and violates my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formal complaint against the credit reporting agency for reporting unauthorized and/or inaccurate hard inquiries on my consumer credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b ( permissible purpose ) and 1681i ( dispute investigation obligations ). I have not granted authorization for several of the inquiries currently appearing on my report, and no permissible purpose exists for those entities to have accessed my file. The agency has allowed these inquiries to be reported without verifying consent or purpose, and has failed to conduct a proper reinvestigation upon my formal dispute, thereby violating its statutory obligations to ensure accuracy and integrity in consumer reporting. The continued presence of these false and unverified inquiries has harmed my credit profile, limited my access to credit, and exposed me to financial discrimination. The agencys inaction and refusal to uphold its legal responsibilities have left me no choice but to escalate this matter through regulatory and legal channels.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am disputing an auto loan account reported by XXXX XXXX XXXX ( Account # : XXXX ), listed as a charge-off with a balance of {$8900.00}. However, I have confirmed this loan was securitized and sold into a trust, which means XXXX no longer owns, services, or retains rights to this debt. 

Despite this, XXXX continues to report the balance as past due and charged off on my Experian credit report, with status updates as recently as XX/XX/year>. This is a violation of

the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 607 ( b ), which prohibit reporting inaccurate or incomplete information. Additionally, the account was previously under dispute and marked payment deferred, but now reports as fully charged off with no proper explanation or correction. I request that Experian remove or correct this tradeline to reflect the fact that XXXX has no legal ownership or servicing authority, and can no longer report this account as collectible.

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 2025-08-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/scrub>XXXX XXXX my husband was scammed by two individuals for {$4000.00}. These 2 individuals took his phone without his consent and transferred {$4000.00} from our joint savings account, draining the account, to another member 's bank account. Immediately after, my husband called the police and filed a report for fraud. The police informed my husband that this was a common scheme and people were taking servicemembers phones and transferring money. We submitted a claim to Navy Federal explaining the situation and that we would be uploading a police report showing that this transaction was not authorized. On XX/XX/year>, this claim was denied. After seeing this, we called Navy Federal and were told that this was an automatic denial and that we would need to file an appeal. We are currently waiting on the appeal, but it has been hard to get in communication with anyone to help file the appeal and the claim was denied despite being told that additional documentation was being provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I received a letter on XX/XX/scrub>XXXX XXXX XXXX  from Ally Bank advising me that my credit card was closed. 

The letter did not state the reason why my card was closed. 

I called the credit card company, inquired the reason why the account was closed and filed a complaint. 

The credit card company has not returned my call. 

All I can say is that I did not use the credit card. I was never late on any payment because I did not use the credit card. They closed my account wrongly. They discriminated against me due to the reason that I am XXXX. That is why they closed my account.

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 2025-08-06 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: AZ

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 explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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 REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-06 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am disputing how a private student loan from the XXXX XXXX XXXX XXXX ( XXXX ) is being reported on my credit report. The loan originated in XXXX and entered delinquency several years ago. However, XXXX continues to report it as delinquent as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), negative information like late payments, defaults, and collections can only be reported for up to seven ( 7 ) years from the original date of delinquency ( DOFD ). By continuing to report this account as delinquent beyond the 7-year limit, XXXX is violating the FCRAs rules and is illegally re-aging the account. 

I also enrolled in a loan rehabilitation program in XXXX and made several on-time payments. Despite my efforts, XXXX marked the rehab as unsuccessful without giving a clear explanation. The payments I made were not accurately reflected in the credit reporting, and the account status has remained negative, which is both inaccurate and unfair. 

I submitted a previous complaint, but XXXX did not provide the DOFD, a complete payment history, or documentation explaining why my rehab failed. I have made multiple efforts to fix this, but the credit reporting remains unchanged.

Im asking for this account to be corrected or removed if it violates the 7-year reporting limit, and for the full payment and delinquency history to be provided to me.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am disputing how a private student loan from the XXXX XXXX XXXX XXXX ( XXXX ) is being reported on my credit report. The loan originated in XXXX and entered delinquency several years ago. However, XXXX continues to report it as delinquent as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), negative information like late payments, defaults, and collections can only be reported for up to seven ( 7 ) years from the original date of delinquency ( DOFD ). By continuing to report this account as delinquent beyond the 7-year limit, XXXX is violating the FCRAs rules and is illegally re-aging the account. 

I also enrolled in a loan rehabilitation program in XXXX and made several on-time payments. Despite my efforts, XXXX marked the rehab as unsuccessful without giving a clear explanation. The payments I made were not accurately reflected in the credit reporting, and the account status has remained negative, which is both inaccurate and unfair. 

I submitted a previous complaint, but XXXX did not provide the DOFD, a complete payment history, or documentation explaining

why my rehab failed. I have made multiple efforts to fix this, but the credit reporting remains unchanged. Im asking for this account to be corrected or removed if it violates the 7-year reporting limit, and for the full payment and delinquency history to be provided to me.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing how a private student loan from the XXXX XXXX XXXX XXXX ( XXXX ) is being reported on my credit report. The loan originated in XXXX and entered delinquency several years ago. However, XXXX continues to report it as delinquent as of XXXX. 

According to the Fair Credit Reporting Act ( FCRA ), negative information like late payments, defaults, and collections can only be reported for up to seven ( 7 ) years from the original date of delinquency ( DOFD ). By continuing to report this account as delinquent beyond the 7-year limit, XXXX is violating the FCRAs rules and is illegally re-aging the account.

I also enrolled in a loan rehabilitation program in XXXX and made several on-time payments. Despite my efforts, XXXX marked the rehab as unsuccessful without giving a clear explanation. The payments I made were not accurately reflected in the credit reporting, and the account status has remained negative, which is both inaccurate and unfair. 

I submitted a previous complaint, but XXXX did not provide the DOFD, a complete payment history, or documentation explaining why my rehab failed. I have made multiple efforts to fix this, but the credit reporting remains unchanged.

Im asking for this account to be corrected or removed if it violates the 7-year reporting limit, and for the full payment and delinquency history to be provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This debt has been on my credit report for over XXXX  months since XXXX. In the amount of {$770.00}. I sent over XXXX  letters ( XXXX ) letters XXXX through XX/XX/XXXX. ( XXXX ) letters XXXX through XX/XX/XXXX. ( XXXX ) letters XXXX through XX/XX/XXXX and ( XXXX ) letters XXXX through XX/XX/XXXX. Requesting for XXXX XXXX and to have my information removed from all consumer reporting agencies. I have not heard back and the debt is still showing on all consumer reporting. agency as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WY

Complaint narrative:
I purchased {$370.00} worth of Bitcoin from Coinbase on XX/XX/year>, using XXXX. Coinbase processed the payment immediately and marked the transaction as completed. However, my funds were placed on a hold with no clear disclosure at the time of purchase that the crypto would be unavailable.

Additionally, Coinbase charged me a {$15.00} transaction fee ( over 4 % ), which was not disclosed before finalizing the purchase. It was only visible after the transaction completed. This made it appear that the Bitcoin value had dropped, when in fact much of the loss was due to hidden fees.

Coinbases FAQ claims XXXX purchases are available within 2472 hours, but my account was restricted due to it being new, a policy not disclosed before purchase. They are holding the funds for 8 days. 

XXXX closed my dispute, citing lack of Purchase Protection for crypto. However, this complaint is not about market loss it is about deceptive pricing and the non-delivery of usable goods. I am requesting a full refund or the immediate release of the Bitcoin funds I paid for in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint because Bank of America is reporting a charge-off account on my credit report that is inaccurate and unverifiable. I have already sent dispute letters to all three credit bureaus and directly to Bank of America requesting verification under the Fair Credit Reporting Act ( FCRA ).

So far, I have not received any supporting documentation that proves this account is mine, nor have I been provided any validation of the reported amount, charge-off status, or details that comply with FCRA Section 611.

I believe this account is being reported inaccurately or without proper validation, which is harming my credit score and financial opportunities.

I request Bank of America to conduct a reinvestigation and either verify with supporting evidence or delete the account from all credit reports.

I have already taken action by mailing Round 1 and Round 2 dispute letters to all parties. I am submitting this complaint to escalate the issue and seek a fair resolution.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief