vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding Navy Federal Credit Union ( NFCU ) and their refusal to provide any form of temporary financial relief during my current hardship. 

I have been unemployed since XX/XX/year> and have been doing everything within my power to mitigate my financial losses. I have exhausted all personal resources and am currently in the process of liquidating my 401 ( k ) just to stay afloat. NFCU is both my bank and the holder of my credit card debt. 

Recently, I contacted NFCU to request that the automatic deductions from my checking accountused to pay down my credit card balancebe temporarily paused while I navigate this financial crisis. I made it clear that I fully acknowledge my responsibility for the debt and intend to repay it. However, I urgently need a brief reprieve so that I can cover basic living expenses, including rent, as I am facing eviction. 

The representative I spoke with flatly denied my request without offering any hardship options, alternative arrangements, or guidance of any kind. The response was dismissive and showed no empathy. As a veteran reaching out in dire straits, I was shocked by the lack of understanding and support. 

What is especially troubling is that during the government shutdown, NFCU publicly expressed support for federal employees and offered various accommodations to help them manage temporary income disruptions. While I understand those programs may not have applied to me specifically, I am a veteran and I am currently facing severe financial hardship. I had hoped NFCU would extend the same level of empathy, flexibility, and problem-solving to all members in crisisespecially veterans who have served this country. 

I am respectfully requesting the CFPBs assistance in reviewing this matter and helping me obtain reasonable temporary relief from NFCU. I am not seeking to avoid my obligations. I am simply asking for a fair opportunity to stabilize my situation without losing housing or falling deeper into financial devastation. 

Thank you for your time and attention. I am hopeful that with your support, a fair and compassionate resolution can be reached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these fraudulent inquiries, nor did I apply to any of these entities. I am in complete dismay and disbelief that this occurred, as it violates my rights as a consumer. It is absolutely insulting and unacceptable, especially as a law-abiding citizen who values the protection of my personal information.

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 2025-11-19 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: NC

Complaint narrative:
I am writing to dispute multiple items on my credit report. Below are the details of the accounts I am disputing, separated by bureau. The disputes concern inaccuracies in the reporting of charged-off accounts, inquiries, positive accounts, and late payments. Kindly investigate the discrepancies and ensure that my credit report reflects accurate information. 

Charged Off 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian refused to accept my dispute of XXXX unauthorized hard inquiries on my credit report. 

I informed both the customer service agent and the supervisor that these inquiries were fraudulent and unauthorized, but they refused to open a dispute and told me they can not investigate hard inquiries. 

Additionally, Experian blocked me from disputing these inquiries online. 

Under the Fair Credit Reporting Act, Experian is required to accept disputes of unauthorized inquiries and conduct a reinvestigation. 

The inquiries I am disputing as unauthorized are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I request that Experian be required to open the dispute, investigate these inquiries with the furnishers, and remove them if they can not be verified.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: MS

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX inaccurate, incomplete, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed these items directly with the credit bureau, but they were verified without a reasonable investigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ) ( B ). The information still contains multiple errors across the accounts and personal data. 

XXXX. Incorrect Personal Information ( Mixed File ) : My date of birth is being reported incorrectly. 
Several addresses listed on my file are inaccurate and do not belong to me. 
These errors indicate possible file mixing or inadequate matching procedures ( FCRA 607 ( b ) ). 

XXXX. Inaccurate Account Reporting : Multiple accounts are being reported incorrectly or inconsistently across all three bureaus : XXXX XXXX XXXX  Account XXXX XXXX XXXX  Account Ser These accounts show different dates, different reporting statuses, and are missing data. XXXX bureaus show XXXX Account Reported, while others show installment accounts with high balances. If an account can not be verified consistently, it must be deleted under FCRA 611 & XXXXXXXX XXXX XXXX XXXX XXXX XXXX This account is reported as a collection/chargeoff on XXXX bureau but current on another. The balance and status are inconsistent. This proves the furnisher did not validate the information with actual records. This makes the item inaccurate and unverifiable. 

Self / Lead Bank A XXXX late payment is being reported inaccurately. Dates and statuses conflict across the bureaus. If the furnisher can not provide exact records, the late payment must be removed. 

XXXX XXXX XXXX XXXX XXXX  ( Collections ) These collection accounts have no original creditor listed, incomplete data, inconsistent dates, and incorrect account numbers. Under FCRA 609 ( a ) and 611, if a bureau can not identify the actual original creditor or verifiable account details, the item must be deleted. 

Summary : The credit bureaus failed to : Report only accurate information ( FCRA 607 ( b ) ) Conduct a reasonable reinvestigation ( FCRA 611 ) Ensure data is complete and not misleading ( XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

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 non-monetary relief
Consumer complaint received 2025-11-19 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: AL

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the three major credit bureaus : Equifax ( EQ ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX ). These errors include charged off accounts, inquiries, and late payments. Below is a breakdown of the disputed items for each bureau. 
Charged Off Accounts : XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$370.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXXXXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc.
State: PA

Complaint narrative:
I am submitting this formal complaint against AR RESOURCES INC for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires debt collectors to provide proper written validation of a debt upon request.

On [ date ], I received communication regarding an alleged debt from the above company. In accordance with 1692g ( b ), I exercised my right to request written verification of the debt. Despite my timely request, the collector failed to provide the required validation, including but not limited to : Proof that the alleged debt belongs to me The original creditors name and account details Itemization of the amount allegedly owed Documentation proving they have the legal right to collect the debt Under 1692g, collection activity must cease until validation is provided. However, AR RESOURCES INC continued to pursue collection efforts, including letters, reporting to credit bureaus, and court threats, without supplying the legally required verification. This is a direct violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-19 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: FL

Complaint narrative:
Despite being paid in full, this account still reflects late payments inaccurately.

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 2025-11-19 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT ED/XXXX  ] Account Number : [ XXXX ] Creditor Name : [ DPT ED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT ED/XXXX ] Account Number : [ XXXX ] Creditor Name : [ DPT EDXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-11-19 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-19 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: NY

Complaint narrative:
I am disputing inaccurate late payment information being reported by TransUnion on my credit report for an account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX. This is a secured installment loan opened on XX/XX/XXXX. The account is now closed with a {$0.00} balance, {$0.00} past due, and payment status showing as current. 

However, the TransUnion two-year payment history is still reporting 30-day late payments for XX/XX/XXXX and XX/XX/XXXX, and a 60-day late payment for XX/XX/XXXX. These late payments are not accurate. My payments during those months were made within the contractual grace period, and I have bank statements and payment confirmations that show the payments were not 30 or 60 days late. 

I have disputed this account with TransUnion several times. Each time TransUnion sends the same generic result : XXXX XXXXXXXX XXXX XXXX XXXX  VERIFIED AS REPORTED. They do not explain what investigation they actually performed, they do not provide any documents from the furnisher to support the late payments, and they do not provide a meaningful method of verification when requested. The tradeline itself also shows the account as closed, {$0.00} balance, {$0.00} past due and current, which contradicts the delinquency codes TransUnion is displaying. 

Because of this, I believe TransUnion is not conducting a reasonable reinvestigation of my disputes and is reporting information that is inaccurate and misleading. These incorrect late payments are damaging my credit scores and harming my ability to obtain credit and housing.

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 2025-11-19 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  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 generallf, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
XXXX XX/XX/XXXX XXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation