vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally express my concern and disappointment regarding the wrongful closure of my checking account with Navy Federal Credit Union due to an alleged fraud incident that occurred on XX/XX/2023. 

The situation stemmed from a transfer sent to me by my friend, XXXX XXXX. She initially contacted Navy Federal and mistakenly reported the transaction as fraudulent. However, she later called back and clarified that the transfer was not fraudulent. Despite this correction, my account was still closed without any opportunity for me to present my side or defend myself. 

This has caused significant inconvenience and unfairly impacted on building a relationship with them. At no point did I have access to XXXX XXXX account, nor is there any evidence to suggest that I committed fraud. I was not contacted or asked to provide any information prior to the account closure, which I find extremely disappointing. 

I had intended to build a long-term banking relationship with Navy Federal , and it is disheartening that I was denied that opportunity without due process or proper investigation. 

I respectfully request that this matter be reviewed thoroughly and that my name be cleared of any wrongdoing related to this incident. I would also appreciate my account to be reopened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
b'This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B(a) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with (1) appropriate proof of the identity of the consumer; (2) a copy of an identity theft report; (3) the identification of such information by the consumer; and (4) a statement by the consumer that the information is not relating to any transaction by the consumer. Please delete the following: \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Balance: XXXX XXXX XXXX Balance:        $0.00\nXXXX XXXX XXXX  Balance:        $0.00 \nXXXX XXXX Balance:        $0.00\nXXXX XXXX Balance: XXXX XXXX  XXXX Balance: XXXX XXXXXXXX XXXX XXXX Balance: XXXX XXXX XXXX XXXX Balance: XXXX XXXX XXXXOriginal Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\tBalanceXXXX XXXX XXXX Balance: 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 non-monetary relief
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my consumer credit reports, I have identified multiple instances of late payment notations that I believe to be inaccurate. I take my financial obligations very seriously and have always made every effort to maintain timely payments. 

The accounts in question are all serviced by XXXX, and include the following : XXXX & XXXX XXXX & XXXX XXXX & XXXX XXXX & XXXX XXXX & XXXX I respectfully request a thorough investigation into these discrepancies. If these late payment marks are to remain, I ask that you provide concrete evidencesuch as account statements or payment historiesthat clearly demonstrate the dates and duration of the alleged delinquencies. 

If such evidence can not be provided, I demand that these accounts be corrected to reflect their true status as " paid on time. '' As a responsible borrower, I have consistently upheld my financial obligations without delay, and it is imperative that this is accurately represented in my credit profile

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 2025-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Inc.
State: MT

Complaint narrative:
I sent XXXX on XX/XX/year> to my sister in the XXXX. I had the last letter on her name wrong and the bank where she is getting the money is not giving her since it wrongly misspelled the last letter ( E instead of A ). So i informed right away Sendwave through their chat support and on XX/XX/XXXX got a text message from XXXX ( a certain XXXX ) informing the cancellation and that i'll soon receive a refund. I waited as on their FAQ it says XXXX days. Since then i made subsequent messages on their chat support and on their call support. From XXXX until today, no response, except that im referred to chat support where i repeatedly typed in my issue. Every time, i got referred to or told that ill be connected to an agent. They gave an estimated wait time, that go overtime. When i tried calling their call support, im told to wait for next available agent which takes forever that exceeds XXXX minutes more that i have to drop the call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX, XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-22 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Contacted American Express Company and they treted me by phone

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
What Happened : In reviewing my credit report on XX/XX/XXXX, I discovered multiple fraudulent accounts and credit inquiries that I did not authorize. These accounts appear to have been opened without my knowledge or consent and are now negatively impacting my credit standing. 

Fraudulent Accounts : XXXX XXXX Opened : XX/XX/XXXX Balance : {$15000.00} Status : Charged Off / Collection Comment : Account was charged off as bad debt and reported as seriously past due. I never applied for or used this account. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$2400.00} Status : Charged Off / Collection Comment : This second XXXX XXXX account reflects similar fraudulent activity. 

XXXX XXXX Opened : XX/XX/XXXX Balance : {$2100.00} Status : 120 Days Late / Closed Comment : This account was reported closed with 120 days of late payment history, which I did not incur. 

XXXX Bank Opened : XX/XX/XXXX Balance : {$610.00} Status : 60 Days Late / Closed Comment : I never authorized this account and was unaware of its existence until reviewing my report. 

Unauthorized Credit Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXX ( Experian ) Date of Inquiry : XX/XX/XXXX ( Equifax ) Comment : These hard inquiries were made without my permission and are tied to the fraudulent accounts listed above. 

Actions Ive Taken : Filed a formal identity theft report with the Federal Trade Commission ( FTC ). 

Submitted a police report to document the identity theft. 

Prepared a Section 605B FCRA dispute letter and mailed it via certified mail to the XXXX major credit bureaus : Experian, Equifax, and TransUnion, including all required documentation to block and remove the accounts. 

Compiled evidence of past national data breaches ( e.g., Equifax XXXX, XXXX XXXX XXXX, XXXX XXXX ) where my personal data may have been compromised. 

Requested Resolution : I am requesting that all fraudulent accounts and unauthorized inquiries be permanently removed from my credit report. These items are damaging my financial credibility and were not initiated by me. I am also asking for a thorough investigation into how these accounts were opened and what security protocols failed to prevent the breach of my identity.

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 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions. 

These are the inquiries that I am referring to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed items to be remove and deleted company information from TransUnion. 

Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX 'S XXXX XXXX Balance {$5900.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$12000.00} XXXXXXXX XXXX  XXXX Balance {$300.00} XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$680.00} XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XXXX XXXX * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX * * Re : Dispute Resolution - Removal of Unverifiable Account from XXXX  * * Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$12000.00} from XXXX XXXX charge-off account from my XXXX  credit report. The account was deleted as a result of the investigation conducted between XX/XX/year> and XX/XX/year>, XXXX XXXX collections account was removed from my credit report. 
It is my understanding that XXXX  has verified the account as unverifiable and has accordingly removed it from my XXXX  report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including Equifax, XXXX. Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 
As a consumer, I am protected under the * * Fair Credit Reporting Act ( FCRA ) * *, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically * * Section 1681i * *, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 
I request that you take immediate action to remove the unverifiable {$12000.00} from XXXX XXXX charge-off from my credit report within * * 30 days * * or less, as required by the * * Fair Credit Reporting Act * *. If this account remains on my credit report past the XXXX window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action. 
Furthermore, under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report. 
Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XXXX XXXX * Consumer Financial Protection Bureau ( CFPB ) * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX * * Re : Dispute Resolution - Removal of Unverifiable Account from XXXX  * * Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$12000.00} from XXXX XXXX charge-off account from my XXXX  credit report. The account was deleted as a result of the investigation conducted between XX/XX/year> and XX/XX/year>, XXXX XXXX collections account was removed from my credit report. 
It is my understanding that XXXX  has verified the account as unverifiable and has accordingly removed it from my XXXX  report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including XXXX, Experian. Given that the account has now been deleted from TransUnion, it is my right to have it removed from all other credit reports as well. 
As a consumer, I am protected under the * * Fair Credit Reporting Act ( FCRA ) * *, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically * * Section 1681i * *, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 
I request that you take immediate action to remove the unverifiable {$12000.00} from XXXX XXXX charge-off from my credit report within * * 30 days * * or less, as required by the * * Fair Credit Reporting Act * *. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action. 
Furthermore, under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report. 
Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 2025-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally file a complaint against TransUnion for their continued reporting of fraudulent and inaccurate information on my credit report, as well as their failure to conduct a reasonable and thorough investigation into my disputes. 

Despite my repeated efforts to resolve this matter directly with TransUnion, including submitting all required and supporting documentation to substantiate my claims, the fraudulent accounts and/or inaccurate items remain on my credit report. I have clearly identified these as fraudulent and have provided TransUnion with relevant documentation, such as police reports, affidavits, and identification, in accordance with FCRA requirements. 

TransUnion has failed to meet its legal obligation to properly investigate and respond to my dispute in a fair and timely manner. Instead, I have received generic responses and no indication that a meaningful investigation was conducted. 

This continued negligence is not only distressing, but it is also causing harm to my creditworthiness and personal well-being. I respectfully request that the CFPB review my complaint and take appropriate action to ensure that TransUnion complies with all applicable federal laws and regulations, and that the fraudulent information is permanently removed from my credit file. 

Please let me know if you require any additional documentation or information to support this complaint. I am more than willing to cooperate fully with your investigation. 

Thank you for your time and attention to this urgent 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 non-monetary relief
Consumer complaint received 2025-04-22 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
Destiny Mastercard has an account in my name that is fraud. I have attached a police report.

Company response to consumer: Closed with non-monetary relief