vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Please delete this inquiry from my credit report, as I did not authorize it and have no connection to the listed creditors. I request prompt correction to maintain the accuracy of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: VA

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.

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 2025-10-20 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: VA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

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 2025-10-20 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:
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 non-monetary relief
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
Subject : FCRA/GLBA Dispute Unverified, Misclassified, and Contradictory Reporting Dear Equifax : Under FCRA 611, please reinvestigate and correct/delete the items below : 1. XXXX XXXX XXXX ( XXXX ) : Conflicting activity dates vs. other bureau ; continued collection coding despite unresolved dispute language ; absent DOFD and assignment/authorization. 
2. XXXX XXXX ( XXXX ) : Contradictory past-due and activity dates ; illogical late counters for a collection ; missing itemization, chain of title, DOFD. 
3. XXXX XXXXXXXX ( XXXX ) : AsAgreed/Open but flagged Negative ; prior dispute comments require proof of reasonable, independent reinvestigation. 
Metro-2 Concerns : Account Status/Current Status, Payment Rating/History, DOFD ( XXXX XXXX ), Date Reported / Account Info, Compliance Condition Code for disputes. 
Statutes/Caselaw : FCRA 602 ( a ), 607 ( b ), 611, 623 ( a ) ( b ) ; Reg V ; GLBA 68016802 ; FCRA 604 ; XXXX ; XXXX ; XXXX ; XXXX. Unverifiable data must be deleted ( 611 ( a ) ( 5 ) ( A ) ). Provide Method of Verification with furnisher contacts and mail an updated disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Unauthorized transactions were placed on my XXXX with Navy Federal. A credit was provided for the charges and the investigation found in my favor. However, at a later date, charges I reported initially but were pending when the dispute was filed posted to the account. I called in and was told this happens sometimes if they are not blocked correctly but that they could be added to the claim. It has been nearly XXXX weeks and those charges are still on my account. Not even a temporary credit has been issued for them. None of the customer service agents are able to give me any timeframe on when something might be done, they can only tell me nothing has been done. It has taken so long I now have a payment due on these unauthorized charges I will have to pay. It is ridiculous. There is supposed to be {$0.00} liability and now I am liable for these charges. I want these charges added to the initial claim and removed from my account.

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 2025-10-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX o saw a notice on my home of an intent to secure and winterize. I immediately contacted Fay XXXX  at the number on the notice and told them again, I awaiting insurance funds to repair the property, it is NOT abandoned and that I had already secured and winterized my home. I was told they would make a note on the file. 

I returned to my home to collect mail and documents on XX/XX/XXXX. I found that the padlock placed by the fire department had been cut and a new lock and notice placed. I immediately contacted Fay XXXX Servicer and was told someone would contact me with the lock box code on or before Friday, XX/XX/XXXX. I did not receive a call. 

On XX/XX/XXXX I returned to the home, remover the lock placed by Fay and replaced it with my own lock. I entered my home to find things had been thrown about and boxes packed by the XXXX XXXX company. I became upset and left the property after taking photos. On XX/XX/XXXX and XXXX I returned to the property to determine what contents were removed. I noted that the smart thermostat was removed from the wall, patio furniture was taken, a large area rug was removed from the wrapping and stolen. 

On the morning of Friday, XX/XX/XXXX I contacted Fay, after being unable to reach the correct department on the XXXX and never receiving a call in response to my voicemail to a supervisor. On the XXXX, I spoke with a male loss prevention agent named XXXX. I informed the agent of the theft of my personal property and damage to my home and belongings. He stated that the individual authorized by Fay to secure the property were not employees and could be dishonest. XXXX advised that it was out of Fays control and that i should file a police report. My payments were behind, but the home is not in foreclosure and I have been in contact with Fay about the fire repairs. 

Fay engaged in illegal practices by entering the property without authorization, damaging real and personal property, hiring and directing agents to who engaged in theft. I would like an injunction to prevent further entry, damages for the personal property that was destroyed or removed, payment for repairs to the structural damage caused by Fays agents, damages for negligence in hiring and supervision of agents, compensation for the cost of securing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
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 INQUIRIES : CXXXX XXXX XXXX XXXX XXXX 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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/2025 and on earlier dates I have contacted TransUnion at XXXX XXXX, XXXX XXXX, and XXXX XXXX. During my third call I finally got through to a woman who tried to fix my problem. She asked me various questions about myself such as my social, my currently open accounts, my address, my phone number, my email, etc. I answered all of these questions accurately by my knowledge. She then tried to fix my login issue, but I continue to reach the same problem. She said I need to authenticate my identity which requires being on the phone. She then said she had done this and she did not know why there was a problem. I was then forwarded to her supervisor about the same problem. He went through the same steps, but asked less questions. He said he deleted my account, but when I tried to make a new one as he instructed I had the same errors as before. He told me he put in a maintenance request but that it takes XXXX business days to hear back on that. I then asked why they could not just unfreeze my credit since I had no problem with the other XXXX agencies, Equifax and Experian. He said it is because I needed to be authenticated and that I failed the security question which you get XXXX attempt on apparently. He said I need to wait XXXX hours until I can try to access anything again. To this I asked when I did the security question, because I had been told my identity was authenticated and anything I was asked I answered correctly about myself. Furthremore, I asked if it was the questions I was asked by the lady on the phone earlier to which he did not respond. He just said I failed and that the security questions are randomly generated based on my credit report information and are asked in a multiple choice format. However, at not point during this process was I asked a single question in a multiple choice format or was I told I was going through a security line of questioning where I have XXXX chance to answer correctly. Additionally, if the questions are on one 's credit report, but they are unable to unfreeze your credit with any other information about the individual, how do they expect you to know the right answers. I have had this issue for months, but I am currently trying to sign a lease for housing, but the landlord can not run my credit because of the freeze placed by TransUnion even though my credit is not frozen on Equifax or Experian. It is getting in the way of my ability to have housing and ability to apply for a credit card all for a technical issue on their end that no one seems to be able to explain.

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 2025-10-20 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-20 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Last chance before lawsuit is filed on XXXX and TransUnion. 



XXXX XXXX XXXX XXXX Jade XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Notice of Intent to Initiate Legal Proceedings Dear CHIME BANK, I am writing to formally notify you of my intent to commence legal action against you due to Failing to fix credit filing From open to closed account. Despite previous attempts to resolve this matter amicably, I find no satisfactory resolution has been reached. 

Therefore, I am prepared to initiate legal proceedings to seek compensation and remedial measures. However, I am willing to consider an alternative resolution to avoid court action. To that end, I am formally demanding Chime - Mark the closed account in TRANSUNION to show statues as closed and change the OPEN ACCOUNT statues to CLOSED. I dont HAVE any open accounts with XXXX. Also send me a check for {$1000.00} for violations and to resolve this matter completely. 

Please consider this letter a formal demand for settlement. I expect a response within 15 days of the date of this letter. Failure to respond may result in the initiation of legal proceedings without further notice to you. This action will not only seek resolution as mentioned but may also include recovery of attorney 's fees, court costs, and other damages legally allowable. 

I urge you to take this notice seriously and respond promptly to avoid legal action. Should you have any questions or wish to discuss this matter further, please contact me directly at XXXX or XXXX Sincerely, 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 2025-10-20 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: FL

Complaint narrative:
Please reinvestigate and correct or delete the following inaccurate/ unverifiable items on my Experian file : XXXX ( XXXX ; XXXX ) Open, short terms, yet Late 60 days with Past Due equal to entire remaining term ; verify DOFD, Payment History, Date of Last Payment, and Past Due math with ledgers. 
XXXX XXXX ( Capital XXXX ) conflicting activity dates across bureaus ; furnish assignment, chain of title, original agreement, itemization, XXXX. 
XXXX XXXX XXXX XXXX. ( XXXX ) shows As Agreed/Open but appears as Negative ; correct misclassification. 
XXXX ( XXXX ) verify XXXX and XXXX sequence with actual statements ( codes are not proof ). 
XXXX XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provide contract/authorization, itemized balance, XXXX, Date Opened for collection, and proof of permissible purpose. 
XXXX XXXX XXXX prior dispute notation requires proof of an independent reinvestigation ; do not rely on automated e-OSCAR parroting. 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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My XXXX account was permanently deactivated in XX/XX/year> ( Ticket # XXXX ). XXXX stated that my funds would be held for up to 180 days for loss prevention purposes. However, nearly four years later, these funds have never been released, nor have I received any explanation or confirmation of their disposition. 

Ive repeatedly contacted XXXX through multiple verified support cases ( # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ) to update my phone number and verify my identity with valid U.S. government ID, as requested. Despite compliance with all their instructions, XXXX has failed to release my funds, provide a final account statement, or verify whether my funds were escheated to the state. 

This prolonged withholding of funds far exceeds XXXX stated 180-day hold policy, constituting a potential violation of federal and state financial laws governing money transmission and unclaimed property. I am requesting that XXXX  immediately release my funds or provide official documentation verifying their transfer or escheatment.

Company response to consumer: Closed with monetary relief