vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX  XXXX XXXX - XXXX XXXX  BANK-XXXX  - XXXX XXXX  CARD - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXXXXXX XXXXInquiryXXXX XXXX XXXX XXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXXXXXXXXXX XXXX XXXX XXXXInquiryXXXX XXXX  BANK XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXXXXXX XXXX CARDInquiryXXXXXXXX XXXX BANK XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXXXXXX XXXXInquiryXXXX XXXXInquiryXXXX XXXXXXXX XXXX XXXXInquiryXXXX XXXX XXXX XXXXInquiryXXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXX XXXXInquiryXXXXXXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: PR

Complaint narrative:
I am writing as a consumer under the Fair Credit Reporting Act ( FCRA ) to request correction of inaccurate personal information in my credit file. I recently reviewed my credit report and identified several discrepancies that need immediate attention. 
CONSUMER BACKGROUND I have been monitoring my credit responsibly and discovered that my personal information contains errors that could impact my creditworthiness and identity verification processes. As a consumer exercising my rights under FCRA Section 611 ( a ), I am requesting your assistance to ensure my credit file reflects accurate information. 
ITEMS REQUIRING CORRECTION 1. INCORRECT NAME VARIATION Currently Listed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX XXXX Consumer Note : This name variation has never been associated with my identity. I have enclosed my government-issued ID to verify my correct legal name. 

FCRA COMPLIANCE REQUEST Under 15 U.S.C. 1681i ( a ) ( 1 ), I respectfully request that Equifax : 1. Investigate these disputed items within 30 calendar days 2. Update my personal information to reflect accurate data 3. Remove any incorrect name variations from all files 1 of 7 4. Provide written confirmation of all changes made 5. Send an updated copy of my credit report at no charge SUPPORTING DOCUMENTATION I have enclosed the following verification documents : Government-issued photo ID ( Driver 's License/State ID ) Current utility bill showing present address Bank statement confirming current address and phone Phone bill verifying current contact number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to complain that I was not awarded a {$100.00} promotion by Navy Federal Credit Union with the explanation that the promotion expired before I applied, even though I received advertisement of the promotion directly from Navy Federal after the claimed expiration date. 

On XX/XX/XXXX I was referred to Navy Federal Credit Union from a friend with a referral bonus promotion. My friend entered my information to a Navy Federal referral portal and Navy Federal generated an email to me with the promotion terms ( see attached ). I applied for membership and opened an account with Navy Federal according to the promotion instructions on XX/XX/XXXX within XXXX hours of receiving the referral email. 

Although I followed the promotion terms, I did not receive the {$100.00} promotion within 14 days of opening an account as the terms stated. On XX/XX/XXXX I sent a secure message to Navy Federal inquiring about why I was not awarded the promotion. On or about XX/XX/XXXX I received a reply explaining that the promotion had expired on XX/XX/XXXX. 

While the promotion terms do state that the offer can expire anytime without prior notice, there was no indication anywhere in the process that the promotion had expired not on the referral page through which my friend submitted my information, not in the referral email I received with the promotion terms, and not on the Navy Federal application. In fact, the referral page was still displaying the promotion through at least XX/XX/XXXX. 

Displaying a promotion with no indication that it is expired amounts to false advertising. Regardless of Navy Federals intent to end the referral promotion, if the referral promotion is still advertised and the referral machinery is still active, then by all intents and purposes the promotion itself is still active. Although the offer could expire without prior notice, some indication that the offer is expired is still essential. I opened an account with Navy Federal with the expectation that doing so would make me eligible for {$100.00}, and there was no reasonable way to know this was not the case. If this bait-and-switch tactic by Navy Federal was permitted , then there would be no way to trust any advertised promotion as the financial institution could just retroactively say the offer was expired.

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 2025-08-22 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: SC

Complaint narrative:
Kindly remove these unauthorized accounts from my credit file, as I never approved or opened them and was unaware of their presence. Pursuant to USC 1681g, I ask that they be deleted within 15 days. Relevant documents are attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have student loans on my report that is not true I never attended college or received any funds for college

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-08-22 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: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing my student loan debt and requesting its immediate cancellation and discharge. My rights have been severely violated under both the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

The following legal violations form the basis of this request : 1 FERPA Violation My educational records, which include loan-related information, have been mishandled, disclosed, and reported in a manner inconsistent with federal protections. These unauthorized disclosures violate my right to privacy as guaranteed under FERPA.

2 Privacy Act Violation My personally identifiable information, including my SSN, educational, and financial records, has been misused and reported without proper safeguards or consent, directly breaching the Privacy Act of 1974.

Because of these violations, the integrity of my loan records is fatally compromised. Therefore, under my federal rights, I demand that my student loan debt be immediately cancelled and discharged in full.

If this matter is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Please provide written confirmation within 30 days that my loans have been discharged and all negative credit reporting related to them has been deleted. 
Sincerely, XXXX XXXX ( Maiden Name : 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 non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing my student loan debt and requesting its immediate cancellation and discharge. My rights have been severely violated under both the Family Educational Rights and Privacy Act ( FERPA, 20 U.S.C. 1232g ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ).

The following legal violations form the basis of this request : 1 FERPA Violation My educational records, which include loan-related information, have been mishandled, disclosed, and reported in a manner inconsistent with federal protections. These unauthorized disclosures violate my right to privacy as guaranteed under FERPA.

2 Privacy Act Violation My personally identifiable information, including my SSN, educational, and financial records, has been misused and reported without proper safeguards or consent, directly breaching the Privacy Act of 1974.

Because of these violations, the integrity of my loan records is fatally compromised. Therefore, under my federal rights, I demand that my student loan debt be immediately cancelled and discharged in full.

If this matter is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal remedies.

Please provide written confirmation within 30 days that my loans have been discharged and all negative credit reporting related to them has been deleted. 
Sincerely, XXXX XXXX ( Maiden Name : XXXX XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Credit Reporting Agencies Refusing to Remove Improper Internal Block Complaint Summary : Equifax, Experian, and TransUnion have placed an internal block on my credit file that is restricting access, updates, and reporting. I have already submitted written requests by certified mail, with identification and proof of address, demanding the removal of this block. Despite receipt of my requests, the block remains in place and the bureaus have failed to correct or provide justification. 

Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This internal block is not the result of a consumer-initiated security freeze, fraud alert, or court order. It is improperly restricting my credit file and preventing accurate disclosures and reporting.

I first became aware of the block when I was unable to access my credit reports fully and creditors could not receive updated data. On XX/XX/XXXX, I sent certified mail letters to each bureau ( Equifax, Experian, TransUnion ) requesting removal of the block. Copies of my government ID and proof of address were included. To date, no action has been taken. 

Harm Caused : I am unable to access a complete disclosure of my file. 
I am being restricted from applying for credit, housing, and other services that require credit reporting. 
The bureaus failure to act violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to receive a complete and accurate file disclosure.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Credit Reporting Agencies Refusing to Remove Improper Internal Block Complaint Summary : Equifax, Experian, and TransUnion have placed an internal block on my credit file that is restricting access, updates, and reporting. I have already submitted written requests by certified mail, with identification and proof of address, demanding the removal of this block. Despite receipt of my requests, the block remains in place and the bureaus have failed to correct or provide justification. 

Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This internal block is not the result of a consumer-initiated security freeze, fraud alert, or court order. It is improperly restricting my credit file and preventing accurate disclosures and reporting.

I first became aware of the block when I was unable to access my credit reports fully and creditors could not receive updated data. On XX/XX/XXXX, I sent certified mail letters to each bureau ( Equifax, Experian, TransUnion ) requesting removal of the block. Copies of my government ID and proof of address were included. To date, no action has been taken. 

Harm Caused : I am unable to access a complete disclosure of my file. 
I am being restricted from applying for credit, housing, and other services that require credit reporting. 
The bureaus failure to act violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to receive a complete and accurate file disclosure.

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 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
They have claimed that I was late on my collection payments and reported it to my credit report and won't remove. I haven't been late to any of my payments since I've started paying them since XXXX of XXXX  that is automatically drafted from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: HI

Complaint narrative:
I am writing to formally dispute and bring to your attention certain inaccuracies in my credit report. These errors are not trivial and continue to have a significant negative impact on my financial well-being and overall peace of mind.

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 2025-08-23 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: CA

Complaint narrative:
I am disputing accounts that are being reported under my name without my authorization. I have never opened or managed these accounts, and their presence is inaccurate, misleading, and highly concerning.

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 2025-08-22 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: Chime Financial Inc
State: SC

Complaint narrative:
I went to XXXX  to dispute an account that was fraudulent on my credit report and it was came back as accurate when I am a victim of identity theft. I reported the account on XX/XX/year>. The account was updated at correct on XX/XX/year>. The account listed an unknown address and phone number. This person used my information to open a Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This account was a XXXX  XXXX XXXX account that was closed by XXXX shutting down their business credit sector in XXXX or XXXX of XXXX which closed down all accounts! I was not notified of anything else pertaining to that account until XXXX of XXXX after debt collector ( Resurgent Receivable ) placed a collection on my credit report for this account! I called the company XXXX to rectify the situation and they refused to correct it! I have the phone conversations and documents showing this account was a corporate account closed intentionally by XXXX. I've disputed this with the credit bureaus and XXXX is the only company so far that has corrected my report! I've messaged XXXX  twice which led me here! I'd like for this account to be removed immediately as it did not personally belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One closed my account citing suspicious/inconsistent activity. They now continue to report a balance as if it were legitimate usage. This is misleading and inaccurate under the Fair Credit Reporting Act. I request removal of this tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/XXXX, my apartment at XXXX XXXX in XXXX, TX was rendered uninhabitable due to flooding. I was forced to vacate immediately for safety reasons. My lease was set to end in XX/XX/XXXX, but despite the flooding and the fact that I did not renew, the landlord billed me for an additional 23 months of rent, citing lack of XXXX notice. 
Under Texas tenant law, notice is not required when the premises are unsafe for habitation ( constructive eviction ). I should not have been charged rent beyond my lease term for an uninhabitable unit. 
In XXXX, this alleged balance was turned over to Columbia Debt Recovery, a third-party collector with whom I have no business relationship. Columbia Debt Recovery has reported this as a collection account on my credit report. I have disputed the debt, but they have not provided proper validation, including a signed lease, a detailed accounting of charges, or proof that the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding a charged-off auto account. The company currently has possession of the vehicle in question, yet they continue to report a charge-off on my credit profile, which is inaccurate and harmful. 
The vehicle became inoperable despite multiple major repair attempts. I notified XXXX XXXX XXXX about these issues, including repeated mechanical failures, the financial hardship it caused me, and the fact that the vehicle was not operable. Despite this, the company failed to work with me in good faith and repossessed the vehicle. 

XXXX XXXX XXXX is reporting a charged-off account even though they are in possession of the vehicle. 
The vehicle was defective and required multiple costly repairs that did not resolve the issues, making it unusable. 
The reporting of this account as a charge-off is unfair, inaccurate, and damaging to my creditworthiness. 
The continued negative reporting ignores the fact that I was deprived of use of the vehicle due to mechanical failures outside of my control. 

Because of this situation, I have experienced significant financial hardship, inability to maintain reliable transportation, and damage to my credit report. This has negatively impacted my ability to obtain housing, credit, and financial stability

Company response to consumer: Closed with non-monetary relief