vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been a victim of credit fraud They have attacked my XXXX XXXX my XXXX  account and XXXX 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 2025-11-12 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NC

Complaint narrative:
I have settled the is debt for a lesser amount. I asked the collections company, Credit Control , LLC, to report to the credit bureaus that the debt has been settled and the collections account is closed. They told me it is not their responsibility and they dont do that. I should go to the original business XXXX and ask them to closed it. I contacted XXXX and they informed me they sold the debt to the collections and they would have to. XXXX  has just re-reported that is debt is valid and will not remove as I filed multiple disputes and provided the receipts and within a day it comes back as valid. And they will are leaving it on my credit report. I am attached the receipt and the email which laid out all my offer options.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I was wiring fund for investing and Chase did not honor the last wire then restricted then close the account. I called so many times and spent hours on the phone with different departments and was told that the two wires I received from my adult children, XXXX and XXXX that they need a letter from their bank that each of them needs to obtain an idemnification letter on XXXX XXXX letter head stating that they are not filing any case r recall of the wire transfer. XXXX sent a wire on XX/XX/year> and XXXX sent a wire on XX/XX/year>. Each of hem contacted XXXX XXXX and the bank stated that the wires have been paid and completed. I contacted XXXX XXXX as that is who I bank with now and they state that Chase shouId the wires were paid and cleared almost immediately. I was origionally told by Chase that the Savings and Checking accounts are closed and a check for each will be overnighted to me and it taked 10 business days for this to happen. 

If I received a check it is held for 7 days before it clears at Chase since this was a wire it would have cleared immediatey. It is approaching 45 days and I only received the funds from my savings account. 

This has caused me to open a new account and utilize my credit card for expenses that would have been paid for with the funds in the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the supporting documents 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 non-monetary relief
Consumer complaint received 2025-11-12 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: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I had car insurance with XXXX. They sent the bill to a bill collector and they keep calling. According to15 USC 1692c you have violated my rights in lawful communications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent written disputes and document requests more than 40 days ago. To date, the only verification I have received is a restatement of what already appears on my credit report, which is not competent verification.I am disputing late payment markers reported by XXXX XXXX on my revolving credit card ending XXXX. The XXXX XXXX tradeline shows inconsistent and materially conflicting data across the three CRAs for the same period, which indicates a failure to ensure maximum possible accuracy and proper Metro 2 reporting : Dates & Balances conflict : Date of Last Activity ( DOLA ) differs dramatically across bureaus ( e.g., XX/XX/XXXXXXXX  vs XX/XX/XXXXXXXX  vs XX/XX/XXXXXXXX  ), which can not all be accurate for the same account and cycle. 
Reported Balance differs ( {$10000.00} vs {$11000.00} ) and Credit Limit is missing/ {$0.00} on one bureau while present on others ( {$11000.00} ), which violates completeness/consistency standards. 

The two-year payment grid shows 30-day delinquency in at least one bureau while others show OK for the same months, and one bureau uses UN/unknown placeholders rather than accurate monthly compliance codes. This is inconsistent with the Metro 2 XXXX requirement th

at Payment Rating/Current Status and month-by-month history be internally consistent and synchronized across CRAs. Law since you all are not aware of violations : FCRA 607 ( b ), 15 U.S.C. 1681e ( b
) duty to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 623 ( a ) duty of furnishers to report accurate information and correct/complete information when notified.

FCRA 623 ( b ) duty to conduct a reasonable investigation after receiving dispute notice from a CRA.

Metro 2 XXXX requires accurate, complete, internally consistent fields-Payment Rating, Current Status, Date of First Delinquency, Credit Limit/High Credit , monthly repayment grid For a late-payment allegation you have to show competent documentary evidence is required-let me tell you examples : complete internal payment ledger, accounting system screenshots showing posted dates/amounts, billing statements, notice of delinquency, and bank remittance logs showing when my payments actually settled. A duplicate of my credit report or a generic XXXX response is not verification.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
The personal information on my credit report were outdated

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 2025-11-12 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: DC

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IN

Complaint narrative:
I am reporting multiple accounts appearing on my credit report that I never opened, authorized, or managed these entries are the result of identity theft. These fraudulent accounts are being reported under my name without my knowledge or consent and are presenting inaccurate, misleading information about my financial history. This is a serious violation of my privacy and consumer rights, and it has caused significant stress and damage to my credit standing. I need an explanation of how these accounts were added and who reported them.

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 2025-11-12 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WV

Complaint narrative:
I received a bill from XXXX on XX/XX/year> for lawn services and grub control. I wasn't asked to have my lawn treated for grubs and I was upset about that and the fact that our grass looked terrible. I called XXXX that same day and cancelled my service. 

I followed up with a copy of the bill with my cancellation noted and that I would have anyone from XXXX arrested if they came on my property again. 

Apparently, someone came and treated the grass again, after the service was cancelled. 

I do not owe this {$80.00}, nor do I appreciate my credit being attacked for something I do not owe.

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 2025-11-12 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: CA

Complaint narrative:
I am submitting this formal complaint regarding an inaccurate and damaging late payment notation being reported by XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) on my credit report. 

According to my credit file, this accountopened on XX/XX/year>XXXX  with a reported high balance of $ XXXX being shown with one or more late payments. I want to make it absolutely clear that I have never made a late payment on this account. This information is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires furnishers and credit reporting agencies to ensure that all information reported is accurate and verifiable. 

Despite my consistent and timely payments, XXXX XXXX XXXX XXXX has failed to properly update their records, causing unwarranted harm to my credit profile. This inaccuracy has negatively affected my creditworthiness and caused unnecessary emotional distress and potential financial losses. 

I am requesting that the CFPB conduct a full investigation into this matter and require XXXX XXXX XXXX XXXX to : Provide documented proof of any alleged late payment ( s ), including exact dates and corresponding payment records ; or Immediately remove all late payment notations from my credit reports with all consumer reporting agencies ( XXXX, XXXX, and XXXX  ) if they can not produce verifiable proof. 

This false reporting must be corrected promptly in compliance with FCRA standards. Please ensure that XXXX XXXX XXXX XXXX provides a full written response detailing their investigation results and the corrective actions taken. 

Thank you for your time and attention to this matter. I trust the CFPB will take all appropriate steps to ensure the integrity of consumer credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The bank of America close my account thinking it was fault and would not give me information about when they were going too send the money to me and they said that they send it too the Controller that was associated with the bank and they told me that who has it on hold now

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 monetary relief
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
My Equifax credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-11-12 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc.
State: MS

Complaint narrative:
This is listed on my credit report starting in XXXX of XXXX. I do not recognize this debt. There is an original creditor of XXXXXXXX XXXX XXXX XXXX I have never had any accounts with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 XXXXXX/XX/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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I state that the incorrect late payment remarks on my accounts are in violation of 15 U.S.C. 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unfair 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