vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-21 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 complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within XXXX ( XXXX ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my XXXX credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  TX XXXX Subject : Dispute of Unauthorized Hard Credit Inquiry To Whom It May Concern, I am writing to dispute the following hard inquiry on my Experian credit report, which I believe to be unauthorized and inaccurate : * * Disputed Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize this inquiry and request that Experian conduct an investigation in accordance with the Fair Credit Reporting Act ( FCRA ). If you can not verify that I authorized this inquiry, please remove it from my credit report immediately. 

Please provide written confirmation of the results of your investigation and send me an updated copy of my credit report showing the removal of this unauthorized inquiry. 

Enclosed are copies of my government-issued identification and a copy of my credit report with the disputed inquiry highlighted. 

Thank you for your prompt attention to this matter. 

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XX/XX/year>, I discovered a balance of approximately {$500.00} on a former student/campus account belonging to my daughter. I dispute responsibility for this balance because all charges occurred after she turned XXXX, and I did not have access to her debit card or authorize any transactions after she became an adult. 

I emailed XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that they review the account, update the record to reflect that I am not liable, and advise what documentation is needed. I also asked that the account not be reported to credit reporting agencies while the dispute was under review. 

As of filing this complaint, I have not received any acknowledgment or response from XXXX XXXX. This unresolved dispute is preventing me from opening a new checking account, creating a significant hardship. 

I am requesting that XXXX XXXX correct the account record, confirm that I am not responsible for the balance, and ensure no negative reporting occurs while the dispute is being reviewed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2300.00} XXXX # XXXX XX/XX/XXXX -- {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXX XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$6300.00}

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 2025-10-21 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 submitting this statement pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to document recent instances where I was denied credit due to information contained in my consumer credit report. 

Specifically, I have been : Denied approval for a credit card application, Denied approval for a mortgage loan, and Denied or offered a vehicle loan only at a higher interest rate than advertised or qualified applicants typically receive. 

These adverse credit decisions were based, in whole or in part, on information obtained from one or more consumer reporting agencies. Pursuant to FCRA 615 ( a ) [ 15 U.S.C. 1681m ( a ) ], I was entitled to be notified of the source of the credit information used in each decision and to receive a free copy of my credit report to verify its accuracy. 

Under the FCRA 611 ( 15 U.S.C. 1681i ), I am asserting my right to request that all information contained in my consumer file be investigated, verified, and corrected or deleted if found to be inaccurate, incomplete, or unverifiable. Any unverifiable or outdated data contributing to my credit denials must be removed immediately in compliance with federal law. 

These repeated credit denials have caused measurable harm, including financial loss and damage to my credit reputation. Therefore, I request a full reinvestigation and written confirmation of the actions taken to ensure that my consumer file accurately reflects verifiable and current information only. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$580.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$81.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$180.00} XXXX  # XXXX XX/XX/XXXX -- {$7100.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$650.00} INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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 2025-10-21 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:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This account has created considerable XXXX and disrupted my ability to sleep. I have attached all necessary proof and ask for its prompt removal.

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NC

Complaint narrative:
Paid Date : XX/XX/year> Amount : {$3200.00} I am writing in response to a complaint I filed regarding a debt collection agency that is willfully violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, which addresses civil liability for willful noncompliance.

The debt in question has been paid in full, and I have documentation to support this. Despite this, the debt collector continues to report the account as unpaid or delinquent to one or more consumer reporting agencies. I have made multiple attempts to contact the agency and request that they update or remove the inaccurate information, but they have failed to take corrective action. 
The continued reporting of a paid debt as unpaid is not only inaccurate but also harmful to my credit profile and financial well-being. This constitutes a willful violation of the FCRA, as the agency has been made aware of the error and has chosen not to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MN

Complaint narrative:
On XX/XX/year>, I attempted my routine XXXX Fast Pay transfer of {$34.00} to my Venmo balance. The Venmo system was down nationwide that day, confirmed by XXXX XXXX and other outlets. My payment failed ( attention needed ), and I was locked out of both my Fast Pay transfer and Venmo balance for nearly the entire day. 

This delay caused immediate financial hardshipI rely on these Monday payouts for food and essentials. I could not even receive help from friends because Venmos network was also down. At XXXX XXXX I finally received my regular weekly deposit email, but the days access failure left me without funds. 

Venmo and PayPal Holdings offered no warning, no notice of outage, no support response, and no apology or compensation. Their help channels and phone lines were unavailable during the outage. 

This incident shows a breakdown in consumer-funds access and failure to maintain continuity of service required under the Electronic Fund Transfer Act ( Reg E ). I am attaching screenshots from XXXX, Venmo, and public outage reports that verify the timeline and loss of access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hope this message finds you well. I'm reaching out for assistance with a matter regarding a deposit I made at the BMO XXXX branch on XXXX. My account was normal and was able to process transactions. Until XXXX XXXX when my card began to decline. Contacted the customer service number on the back of my debit card and was told to visit the branch and update my Id on file. During my visit to the branch on XX/XX/2025 to resolve this issue, I was informed that my account has never activated and has none of my information on file. The banker updated my account and opened another account to try to transfer all funds but account was frozen and under review by the fraud department. The banker told me once the application is processed it will be 24hrs and the freeze will be lifted. I mentioned to the banker I have all documents showing where the money came from Along with withdrawal receipts from My brothers bank account if that will help. Since then I have contacted the banker and bank manager leaving more than a dozen voicemails as well visiting the bank and no update. 

I understand that the deposited cash appeared suspicious, which is why I went to the branch to provide the source of the funds. My brother and I received a sum of {$27000.00} from a lemon law case handled by XXXX. My brother cashed the check at his bank, XXXX XXXX XXXX, and gave me the cash. Following the instructions provided, I made six separate deposits of $ XXXX {$4000.00} each, totaling {$23000.00} XXXX realize the transaction may appear unusual, but I am seeking assistance in gaining access to my funds as I am in need of a car. Unfortunately, my attempts to speak with the correct department have resulted in circular phone calls that lead nowhere. 



Your help in resolving this matter would be greatly appreciated. Thank you for your time and understanding. 



Warm regards, 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 2025-10-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
My spouse and I were told by our loan officer at CrossCountry Mortgage that we would receive the Ohio Mortgage Tax Credit ( MTC ) as part of our loan, and that we qualified based on my income. We relied on that assurance and on CrossCountrys stated relationship with XXXX in deciding to proceed with the loan. 

On XX/XX/year>, our loan officer confirmed via email : You can still do the Mortgage Tax Credit program with the ARM product. Based on that representation, we proceeded to close on XX/XX/year>. 

After closing, but before our first payment, on XX/XX/year>, we were informed by CrossCountry that the Ohio XXXX XXXX XXXX ( XXXX ) does not allow the XXXX for adjustable-rate mortgages ( ARMs ), and that our loan type was therefore ineligible. 

The lender charged us {$500.00} for the XXXX program, which they have agreed to refund. However, the lost XXXX would have provided 15 % of interest paid as an annual tax credit for the life of the loanan estimated {$53000.00} over a XXXX term ( assuming rate stability after year XXXX ). This was a significant factor in our decision to choose CrossCountry and to select this loan product.

The loan officer admitted in writing that he missed this guideline. CrossCountry has only offered to refund the {$500.00} fee and said they would do the best we can at time of refinance, which does not address the financial loss caused by the incorrect representation of program eligibility. 

I am seeking a fair financial remedy for the lost value of the promised Mortgage Tax Credit ( {$53000.00} ) plus the {$500.00} program fee and an estimated {$1500.00} legal consultation cost, totaling approximately {$55000.00} in damages. 

Supporting documentation includes the XX/XX/XXXX email confirming XXXX eligibility, the XX/XX/XXXX email acknowledging ineligibility, and written admission from the loan officer regarding the error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: MD

Complaint narrative:
This escalation is related to original complaint ID XXXX, which involved multiple bureaus. This filing addresses Equifax specifically. 

On XX/XX/year>, I mailed a formal written dispute with supporting documentation to Equifax to challenge multiple inaccurate and/or unverifiable accounts on my credit report. The dispute was delivered and received, as confirmed by USPS tracking. 
Despite receiving my dispute, the bureau failed to conduct a proper reinvestigation within 30 days as required under 15 U.S.C. 1681i of the Fair Credit Reporting Act. Instead of providing a detailed Method of Verification, they marked most of the accounts as verified without supplying any supporting documentation from the furnishers. 
I subsequently pulled my updated credit report on XX/XX/year>, which showed that the disputed accounts remained unchanged or were only partially updated. This indicates the bureau likely relied on automated verification systems instead of a meaningful investigation. 
This failure to provide proper reinvestigation and verification is a violation of FCRA. I am requesting that CFPB intervene to ensure that the bureau conducts a full manual reinvestigation, provides me with the Method of Verification including the name and contact information of the furnisher, and deletes any account that can not be fully verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a XXXX XXXX XXXX XXXX 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 identity 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 completeandaccurate.

Company response to consumer: Closed with non-monetary relief