vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX and 15 U.S.C. XXXX ( a ) ( XXXX ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

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. CXX/XX/XXXXe XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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. CXX/XX/XXXXe XXXX ) 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 2025-11-17 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: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-17 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: CT

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. XXXX ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : None Inquiries : XXXXXX/XX/XXXX Date : XX/XX/XXXXXX/XX/XXXX Date : XX/XX/XXXX Late Payments : XXXXXX/XX/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 2025-11-17 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC CXX/XX/XXXXe XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXX days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
This is not a mistake my credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways you can't fathom, and they're exacerbating an already difficult situation. Correcting or removing them would be a significant relief.

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 2025-11-17 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: AZ

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 non-monetary relief
Consumer complaint received 2025-11-17 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: AZ

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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received an email today, XX/XX/year>, that my PayPal Mastercard credit card was due a payment. Since I never activated a PayPal credit card, never asked for one, or authorized the opening of a credit card account, I contacted them by phone. I was told that this was a late fee because I did not pay my card in time. They apparently sent me an email a while ago regarding upgrading my PayPal credit account to a MasterCard credit card, because of my excellent credit record. Since I did not respond to the email, they simply went ahead and opened the new credit card account anyway. I received a credit card unannounced, which I never activated, and I cut it up in tiny pieces and threw it in the trash can.

The outstanding late fee of {$30.00} was reversed, and I paid the outstanding {$2.00} via the phone with my bank debit card. According to research I did on Internet, this whole transaction was illegal and fraudulent, hence my reporting it to you.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am filing a complaint because Navy Federal Credit Union continues to furnish inaccurate and unverified information about account ending in XXXX to XXXX XXXX XXXX XXXX  in violation of the Fair Credit Reporting Act ( FCRA ) 623.

I disputed this account multiple times with the credit bureaus. Navy Federal verified the account without providing any documentation supporting the accuracy of the tradeline. 

I also sent a direct validation request to XXXX XXXX XXXX XXXX, the firm representing Navy Federal. They responded by sending only billing statements, not the original signed contract, not the account-opening documentation, nor any legal chain of title. Therefore, no legally sufficient validation has been provided.

Navy Federal is continuing to furnish the account as a charge-off, harming my credit, preventing me from qualifying for reasonable auto financing, and violating FCRA 623 ( a ) ( 1 ) ( A ) : furnishing information that is not verified or accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Beginning in the end of XXXX and continuing into XXXX, I began receiving collection attempts from LVNV FUNDING LLC regarding an alleged debt connected to an insurance-related account. The company repeatedly contacted me by phone and mail, even though I had previously disputed the accuracy and validity of the balance with the credit bureaus. I am requesting that the company be instructed to stop all communication with me, investigate their actions, and provide written confirmation that they will comply with federal law. I also request that any negative or inaccurate information they furnished to the credit reporting agencies be reviewed for accuracy and removed if it can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
Please know I am acting fast to protect my rights, because the Fair Credit Reporting Act Section 605B ( 15 U.S.C. 1681c-2 ) totally shows how crucial it is to keep a flawless credit history, especially after dealing with the mess that identity theft brings. This law totally demands that credit reporting companies get their act together and promptly ditch any info they snagged through identity theft as soon as they get the right notification. No excuses! I'd really appreciate it if you could wrap up the deletion in the next four working days. Let 's keep things running smoothly, shall we? Oh, I totally appreciate it, like, for real! We need to get on this ASAP to make sure these safety measures actually work. Disregarding these guidelines totally messes with the credibility of the credit reporting system and creates a whole lot of hassle for people dealing with situations like mine. I expect a quick response about this issue because my rights deserve some serious protection, thank you very much.

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 2025-11-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-17 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: MD

Complaint narrative:
Unauthorized accounts are fraudulently listed under my name without my knowledge or consent I have never authorized or managed them. This is intolerable, as it distorts my financial history with false information. I prioritize my credit profile, and these entries have caused severe distress. I require immediate explanation of their origin and the responsible parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
JPMorgan Chase Bank , N.A . ( d.b.a. Chase Bank ) sent me a promotional offer via email and paper mailer for signing up for both checking and savings accounts. If you opened a checking account and funded it within a certain time period, you would receive {$400.00}. I successfully made the necessary number of direct deposits into my Chase checking account to qualify for the bonus. However, I would then remove the funds to another interest bearing account after making those direct deposits. Without notice, before the bonus posted, Chase closed the checking account for lack of funds. 

Chase then attempted to pay me the bonus to the closed checking account but was unable to do so ( since they closed the account ). They made this bonus payment attempt around XX/XX/2025. I then called in early XX/XX/2025 asking why the bonus hadn't posted and was told since they closed my account, they would send me a check within 14 business days for the bonus. 

At the beginning of XX/XX/2025, I still hadn't received a check for the {$400.00} bonus. I called the customer call center again and this time was told that I wouldn't receive a check but instead needed to go to the nearest bank branch to resolve the issue. I proceeded to call the XXXX, NC bank branch and explain the situation to the general manager. She researches and confirms that I did qualify the for the bonus. She then states that she will get in touch with her local general manager and a payments team to get the bonus funds delivered. By XXXXXXXX XXXX, I'm told that that I will need to open a new checking account for the award bonus to be posted to. I have a savings account with Chase but they for whatever reason can't deposit the award bonus there. I follow the bank manager 's instructions and open a new account. I call to confirm with her once the account is opened and she states that the bonus funds will be deposited shortly. 

After another two weeks, the bonus funds were still not deposited. I called the bank branch general manager again whom I was working with to be told that she didn't have an XXXX on when the deposit will be made. We're now in XXXX XXXX and while Chase agrees that I'm owed the bonus, they don't seem to know how or have a mechanism to deposit the bonus amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: WA

Complaint narrative:
I received a text stating that my XXXX XXXX XXXX account was sent to XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX and they stated that I owed no money and there was no collections agains my account and this is a SCAM, and I should make a complaint through the XXXX XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing regarding my XXXX XXXX credit card and late payments reported for months of XXXX through XX/XX/year>. I want to sincerely apologize for these late payments, these payments occurred due to a temporary financial hardship. During that time, I was facing reduced work hours. This situation temporarily impacted my ability to make my payment by the due date. As soon as my circumstances stabilized, I immediately made the past-due payment and have since continued to make all payments on time. This isolated incident does not reflect my normal payment habits or my commitment to maintaining a positive credit standing with 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