vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Good Afternoon, I called XXXX  on XX/XX/XXXX because I received an email stating that my account would go into default on XX/XX/XXXX if I did not pay a total of {$210.00}. I called XXXX  at XXXX XXXX to get an explanation of this email because I was already set up on a payment plan that I called in to set up on XX/XX/XXXX. XXXX, the lady that was assigned to my call was nice at first but then continued to speak over me and she told me that my credit would be impacted if I did not pay the {$210.00} by XX/XX/XXXX with my account going into default. I am not sure why or how my credit will be impacted by this knowing I had set up a payment plan for this amount the month prior and XXXX had no explanation for me. I called and had this payment plan set up on XX/XX/XXXX, and now they are saying its my fault and I need to make this payment sooner, but this is an issue on their end with setting up the wrong thing to assist me and then offering no help or responsibility for an issue they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful
record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-24 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: MD

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 2025-09-24 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for unlawfully furnishing my consumer reports to companies that did not have a permissible purpose or legitimate business reason under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

On XX/XX/XXXX, and other dates, my consumer reports were furnished without my authorization to the following companies : TransUnion : XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX XXXX XXXX Card ( XX/XX/XXXX ) Experian : XXXX Card ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX Co ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ) These inquiries were placed on my file without a permissible purpose, which is a violation of my privacy rights under the FCRA. The credit reporting agencies failed to ensure compliance before releasing my consumer report. 

The CFPB has issued guidance ( 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes ) that permissible purposes must be consumer-specific, and disclaimers can not cure a violation. Furthermore, FCRA 604 ( f ) prohibits anyone from obtaining or using a consumer report without a permissible purpose.

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 2025-09-24 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: SC

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

1681c2 ) that you, the TransUnion 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 XXXXXX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$19000.00} 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 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 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 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX XXXX and I was notified to discover incorrect accounts that I did not open or authorize. These accounts are negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to these accounts, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that these accounts are investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original credit 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 2025-09-24 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: PA

Complaint narrative:
I recently obtained a copy of my credit report from XXXX XXXX and I was notified to discover incorrect accounts that I did not open or authorize. These accounts are negatively impacting my credit score and overall financial wellbeing. I have never authorized any transactions or agreements related to these accounts, nor have I provided any personal information that would allow someone to open an account in my name. It is imperative that these accounts are investigated and removed from my credit report to rectify my financial standing.i have already taken steps to resolve this issue by contacting the credit reporting agency and the originating creditors. However, I believe that further assistance from your agency is necessary in addressing this matter effectively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original credit 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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Some collection accounts on my credit report appear to contain inaccurate information. Under my rights granted by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is fully accurate. I am formally requesting that these accounts be investigated, and if their accuracy can not be confirmed, they must be deleted.

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 2025-09-24 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: TX

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

1681c2 ) that you, the Experian 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$460.00} 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 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 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 2025-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Dear CFPB/NCUA Representative , I am submitting this complaint regarding Navy Federal Credit Union 's handling of my HELOC application.

Navy Federal has requested a complete copy of my family trust. I have no beneficial interest in this trust and have already provided the relevant portions confirming that fact. The remaining sections of the trust contain private and sensitive medical information unrelated to the loan application. For privacy and legal reasons, my family will not release these portions. I have provided relevant portions of my family trust, confirming that I have no beneficial interest in the subject property in question, aside from managing my parents rental property due to their medical condition. The remaining sections of the trust contain highly sensitive private and medical information unrelated to my application.

Despite this, Navy Federal has indicated they will not proceed with my application without full disclosure of the trust. I have requested escalation and a written explanation citing any regulation or underwriting requirement mandating disclosure of medical or unrelated personal information, but they have not provided one.

This request appears excessive, intrusive, and not reasonably related to my creditworthiness or the collateral for the loan. I am asking your office to review this matter to ensure that Navy Federal is complying fair lending practices and consumer protection standards. Thank you for your attention and assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: IQOR US INC
State: AZ

Complaint narrative:
i received a call at XXXXXXXX XXXX time from XXXX i called the number back and spoke with XXXX first, i asked what kind of business this was, he refused and asked my personal information before he would even divulge anything but the name of the company. 

XXXX XXXX refused to give me the XXXX XXXX XXXX times that was at XXXX am. spoke with another agent XXXX, there was no XXXX  XXXX, refused to disclose they are a debt collector, refused to identify themself unless i gave personal info i was refused by multiple contacts in one session that did not comply with FDCPA practices spoke with floor manager XXXX XXXX and he also refused to divulge what type of services they provide. 
even the automated message at the top of their call doesn't divulge what this company provides as far as services

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 2025-09-24 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: MD

Complaint narrative:
I am submitting this formal complaint regarding the following student loan account being reported on my credit report : Creditor Name : XXXX XXXX XXXXXXXX XXXX XXXX  Account Number ( partial ) : XXXX Type : Education Loan Status : Open, {$320.00} past due as of XX/XX/year>, Balance {$3000.00} This account is being reported as late or past due, which is inaccurate. I have previously disputed this account multiple times with the credit reporting agencies, but it continues to be reported as late despite my records showing timely payments, forbearance periods, and other accommodations. 

I have supporting documentation to validate my dispute, including : Payment receipts showing on-time payments Approved forbearance letters or other correspondence with the servicer Account statements demonstrating accurate payment history Reporting inaccurate information violates the Fair Credit Reporting Act ( FCRA 1681i ), which requires credit reporting agencies to conduct a reasonable investigation of disputes and ensure that all information reported is accurate.

I request that the CFPB investigate this matter and require the furnisher and/or credit reporting agencies to : 1. Correct the account to reflect Paid as Agreed or Never Late, based on my documentation.

2. Permanently remove any inaccurate late payment information from my credit report. 

Accurate reporting is critical to my creditworthiness, and I have acted in accordance with the law and the terms of my student loan agreement. I have included all relevant documentation to substantiate my claim.

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 2025-09-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED COLLECTION - XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NC

Complaint narrative:
Debt is not mine Someone stole my bag and all my personal belongings cards and information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-24 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:
I am submitting a formal complaint regarding the account reported by XXXX XXXX XXXX for XXXX XXXX. This account is reporting inconsistent balances across credit bureaus on Equifax and on Experian and TransUnion which violates the FCRA requirement for accurate and consistent reporting. 

A previous dispute was submitted, but no documentation or proper verification was provided to support the accuracy of the balances or account details. Under FCRA 1681i, credit bureaus are required to conduct a reasonable reinvestigation, and any unverifiable or inaccurate item must be deleted.

I am also requesting, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), that the credit bureaus disclose the Method of Verification used to confirm the account : who verified it, what documents were reviewed, and when the verification took place. 

This unresolved inaccuracy is negatively affecting my credit profile and is grounds for regulatory enforcement if not corrected. I am seeking CFPB support to enforce FCRA compliance and ensure a fair outcome.

Company response to consumer: Closed with explanation