vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
This is a formal notice disputing several unauthorized accounts on my credit file. These entries were made without my permission and are the result of identity fraud. I am exercising my rights under XXXX XXXX XXXX XXXX to request their deletion within XXXX  days. Documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an XXXX XXXX XXXX issued by Synchrony Bank with a {$4000.00} credit limit. I have never missed a payment and always stayed in good standing. Without any prior noticeno email, no letter, no notificationthey dropped my limit to {$470.00}.

I only found out by logging in manually. This sudden and extreme limit reduction caused a major spike in my credit utilization, which tanked my credit score. Even worse, I also have a XXXX XXXX account with Synchrony Bank and that limit was NOT affected, despite identical payment history. 

There was no communication, no explanation, and no opportunity to address or prevent the drop. This feels unfair and inconsistent, especially since it negatively impacted 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I opened a XXXX  card with XXXX XXXX in XX/XX/XXXX. After financial XXXX, the account became XXXX  and was eventually XXXX XXXX in XXXX. Since then, Ive disputed the account because the reporting is both inaccurate and unverifiable. The reported account numbers differ between the credit bureaus, and each bureau displays different details, including balance and payment status. 

More importantly, the remarks on TransUnion show Profit and Loss Write-Off ( PRL ), which generally means the creditor wrote off the account and possibly sold or transferred it. However, when I submitted a prior dispute pointing this out, XXXX XXXX responded by saying they had not written the account off which directly contradicts the XXXX designation they themselves submitted. 

The payment history also shows repeated XXXX ( XXXX  ) codes each month, which misrepresents the status. A XXXX  is a one-time event, not a recurring XXXX. I believe the companys response was inaccurate and misleading. XXXX requesting that the CFPB investigate this tradeline and require XXXX to prove current ownership, provide supporting documentation, and correct or remove the account if unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This is a follow-up to Complaint # Im resubmitting because Navy Federal has already responded to me directly and denied my claim without providing the legally required documentation.

Im requesting CFPB to escalate and investigate the Navys failure to comply with Regulation E.

Request for Escalation Navy Federal Denied Fraud Claim Without Providing Legally Required Documentation Dear CFPB, I am following up on my complaint regarding Navy Federal Credit Unions handling of a fraud dispute for {$840.00} that was charged to my debit card ending in XXXX. While your system currently shows that the company is still working on the issue, Navy Federal has already responded to me multiple times and has officially closed the dispute, denying my fraud claim without refunding the stolen funds.

Despite repeated written requests, Navy Federal has refused to provide any of the documentation used in their decision, including : Transaction-level verification details IP address, device, or location data Shipping or billing address details from the disputed charges Any merchant communication regarding the claims Their response simply states that our records contradict your claim, without offering any factual evidence or legally required disclosures under Regulation E.

Furthermore, I have explained multiple times : I was traveling at the time and had my card in my possession The transactions occurred in multiple locations I was not in The charges were made in rapid succession, pointing to fraudulent use The products were shipped to addresses unrelated to me Despite this, Navy Federal continues to dismiss my claim and has removed the provisional credit without honoring my right to review the data used in their decision.

I am requesting the CFPB fully investigate Navy Federals handling of this fraud case, including : 1. Whether Navy Federal followed proper procedures under Regulation E.

2. Why no evidence has been provided to support their denial.

3. Whether the credit union has failed to comply with disclosure requirements under federal consumer protection law.

This unresolved issue is causing serious financial and emotional distress, and I need your help ensuring Navy Federal is held accountable.

Please let me know if I need to submit this as a new complaint or if you can reopen and escalate this matter based on their failure to respond properly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

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 2025-06-17 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: GA

Complaint narrative:
I just recently reviewed my credit report, and Inoticed an account that was not reporting accurately on my credit file. I saw 2, 30 day late payments. One for XXXX XXXX and the other for XXXXXXXX XXXX XXXX on an accounts that was in fact paid on time! The consumer reporting agencies, need to report all of my information with complete accuracy. These accounts have never been late with payments, and this information is completely incorrect. I have also attached a copy of my credit report to this complaint for a visual and I ask that you please investigave these accounts an update my payments to paid on time immediately, because this is definitely incorrect and hurting my report as a whole. I appreciate your attention and understanding regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The information that shows on my credit report I am unaware of. Reached out to the agency and nobody could explain the information. Went online and also pulled the account up and it states the information shouldn't show on my credit report yet it does. Attempted to apply for a house and that's how I was made aware of the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company is reporting fraudulent inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
After XXXX  years of being a member with Capital One, the credit history has been removed from my credit report without an explanation. The only response received was this is due to a federal law. It is reflecting on other reporting bureaus ( XXXX  and XXXX  ), but not XXXX. 
Capital One and XXXX  are refusing to provide more information and/or assist with this matter. When asking to speak with someone higher up, we were refused the right to speak with them due to the higher ups only handling administrative work. We have been attempting to have this resolved for almost four months, not to mention spent well over {$100.00} to have vital information sent by certified mail. We would like answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I am a victim of identity theft. Accounts were opened in my name without my knowledge or consent. I do not recognize these accounts or the associated debts. I have filed an official Identity Theft Report with the FTC ( attached ) and submitted a copy of my government-issued ID and proof of address to the relevant credit bureaus and collection agencies.

I have requested the company provide verification of the debt, including all account-opening documentation. To date, I have not received proper documentation confirming the debt is mine. I am requesting the immediate removal of these fraudulent accounts and the cessation of all collection activities under FCRA 605B and other applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make a report containing any of the following items of information Any other adverse item other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB that action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$570.00}. XXXX XXXX XXXX XXXX XXXX {$1100.00}. XXXX XXXX XXXX XXXX XXXX {$130.00}. XXXX XXXX XXXX {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax for XXXX XXXX  XXXX  with account number XXXX Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Hi, CFPB. Thank you for taking the time for reviewing my information. I've reviewed my credit report noticed that there's account are being furnished on my consumer report. I haven't given anyone permission under law to access my credit report or profile and there's no permissible purpose by law to contact third parties with my private or personal information. I am a victim of identify theft and I've attached the proper documents to this complaint. Thank once again for all your assistance.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX : Cease and Desist Letter & Credit Dispute Notification Account Number : [ XXXX ] Dear Credit Control Services, This letter is to formally notify you that I dispute the validity of the above-referenced account. I request that you immediately cease all communication with me, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ). 

I also dispute the reporting of this account to the credit bureaus and request that you investigate and verify the accuracy of this information. If you can not provide sufficient proof of the debt, including a signed contract or itemized statements, you are required to remove all references to this account from my credit file. 

Please note the following actions are required : Cease all further direct communication with me. 

Provide validation of the alleged debt within 30 days, including original documentation. 

Refrain from reporting, or immediately correct/remove, any inaccurate information related to this account from my credit report. 

Any further attempt to collect on this disputed debt, or failure to comply, will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as potential legal action. 

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 non-monetary relief