vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Complaint Summary / Narrative : I am submitting this complaint regarding inaccurate and unverifiable reporting by the above specialty credit reporting agencies. My experience includes : Cross-Bureau Conflicts : Multiple accounts are reported inconsistently across bureaus ( balance, status, high credit, dates opened/closed, payment history ). For example : XXXX XXXX XXXX  : XXXX  last reported XX/XX/XXXX, XXXX  XX/XX/XXXX, Equifax XX/XX/XXXX. Last active dates and payment history do not match. 

I have attached statements and screenshots documenting these conflicts. 

Late-Payment / Status Defects : Certain accounts report late payments or 30/60/90-day markers without full supporting ledger documentation. Some lates are reported after payoff dates or after account closure, violating XXXX XXXX rules. 

Unauthorized Hard Inquiries : Multiple hard inquiries have been pulled without my authorization, including : Equifax | XXXX | XX/XX/XXXX XXXX  | XXXX XXXX XXXX  Equifax | XXXX | XX/XX/XXXX [ Full list attached ] Banking File / Specialty File Errors : Accounts reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX contain unverifiable or inconsistent data. 

I demand a full Method of Verification ( MOV ) for each account, including furnisher/member code, account numbers, dates, and supporting documentation.

Identity-Theft / Mixed File Concerns : While I have not reported an active identity-theft case for these accounts, there are indicators of mixed-file errors, such as duplicate reporting, unfamiliar accounts, and mismatched addresses or SSNs. These must be blocked or corrected per FCRA 605B until verified.

Personal Information Hygiene : I request that only my correct legal name ( XXXX XXXX ) and current address appear on all files. All other variants, outdated addresses, and outdated personal info must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
a few months ago i have told Navy Federal Credit Union that i was unable to make payments to my credit cards because i was on workers compensation. because of me being on workers comp my priority wasnt paying off my credit cards but making rent payments electric and gas bills water bills and garbage bills. and that when i get the payment from my settlement that i would pay off my credit cards. they told me that my one credit card was still in good standing and that i was only late 1 month. so i told them i will make payments to that one credit card if i can. but in the process money was being deposited into my account from workers comp benefits that i had deposited myself and from family to help me keep up with rent, e ; ectric and gas, garbage, water and to buy foods and navy federal credit union was taking money from my account to pay off the that one credit card that was still in good standing. so that lead me to open up an account at a different bank. but there were money still going to my navy federal bank account. i would have to consatntly check my navy federal account to see if money was deposited into that acoount and if there was i had to transfer the money out and into my new bank account. there were time when i checked my navy federal account too late the money was already taken out and paid to my credit card. i finished paying off that credit card that was still in good standing. then just recently money had been deposited in my navy federal account. i thought that navy federal wouldnt take any money out since i have already paid off the one credit card but they still did to pay to make payments towards my other credit card. i still havent received my settlement because an appeal was made. and im still having to consatntly check on my navy federal bank account if any deposits are coming in. i have told navy federal again that i am still on workers comp and that they shouldnt be taking money from my account without any court order and without my authorization since the lat day that they withdrew from my account there hasnt been any deposits made. im still not able to work because of my injury. should i need to keep on checking my navy federal account? is what navy federal credit union is doing illegal after i told them that i was on workers comp. i dont know if the bank already put my credit card in collections but if they havent they can and not take money from my account when im in need of it. im thinking of getting an attorney to help me sue the bank but that would cost me money that i dont have and im in need of money and not waste it on an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX 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 2025-11-15 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: OK

Complaint narrative:
I recently reviewed my credit report and seen fraudulent accounts please remove

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 2025-11-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am filing a complaint regarding Discover XXXX improper and harmful closure of my credit card account, which occurred without proper notice and was handled unprofessionally by discover personnel. I have been a Discover customer for approximately XXXX years with perfect payment history. My account was closed because I allegedly did not respond to a verification email. However, this email never appeared in my inbox and was later found in my junk folder. No adequate notice was ever given. on XX/XX/year>, I contacted Discover to resolve the matter. I spoke with a representative named XXXX, who was extremely condescending and dismissive. Before I could explain the situation, she told me that once the process started, no one could stop it, claiming that my account could not be reviewed or reinstated under any circumstances. this was stated even though I had a flawless XXXX year record. During the same call, XXXX told me an automated voicemail-without a live representative without verification, without a callback pathway-is not meaningful notice for an account closure with serious financial consequences. despite having my accurate phone number and mailing address, Discover made no live contact attempt and sent no mail notice before closing the account. this has caused real harm, including embarrassment and potential XXXX score damage due to sudden loss of available credit. l

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
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 explanation
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am submitting this complaint because the credit bureaus have repeatedly failed to properly investigate the disputes I have filed regarding multiple accounts that I do not recognize and that are being reported inaccurately on my credit file. I have submitted disputes multiple times, yet these accounts continue to appear without any correction, deletion, or adequate explanation. 

These accounts are not mine, and the information being reported is inconsistent and incorrect across the bureaus. I have now filed an official FTC Identity Theft Report, which I am attaching, along with copies of my previous disputes. Despite providing clear documentation that these accounts are fraudulent, the bureaus have either verified them improperly or taken no meaningful action at all. 

This ongoing negligence has caused significant harm to my credit and has prevented me from resolving matters that should have been addressed during the initial disputes. The bureaus have not fulfilled their obligations under the FCRA to conduct a reasonable and thorough investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: CA

Complaint narrative:
I am submitting this complaint because the credit bureaus have repeatedly failed to properly investigate the disputes I have filed regarding multiple accounts that I do not recognize and that are being reported inaccurately on my credit file. I have submitted disputes multiple times, yet these accounts continue to appear without any correction, deletion, or adequate explanation. 

These accounts are not mine, and the information being reported is inconsistent and incorrect across the bureaus. I have now filed an official FTC Identity Theft Report, which I am attaching, along with copies of my previous disputes. Despite providing clear documentation that these accounts are fraudulent, the bureaus have either verified them improperly or taken no meaningful action at all. 

This ongoing negligence has caused significant harm to my credit and has prevented me from resolving matters that should have been addressed during the initial disputes. The bureaus have not fulfilled their obligations under the FCRA to conduct a reasonable and thorough investigation.

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 2025-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Over 45days ago I sent them a letter asking for this and they failed to formally respond 1. A copy of the original signed Master Promissory Note ( MPN ) 2. Complete payment history, including disbursements, interest accrual, and fees 3. Chain of assignment or full servicing history 4. Detailed accounting of the loan balances and transactions 5. Proof of borrower authorization for disbursements and servicing activity 6. Proof of furnishing to credit bureaus and compliance with applicable federal If you are unable to provide the above requested documentation within 30 days, I respectfully request that you : Permanently remove all related loan entries from my credit reports with all major credit reporting agencies ( XXXX XXXX, and XXXX ) Cease all collection and furnishing activities tied to these loans Legal Basis : This request is made pursuant to my rights under : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to report accurate information 15 U.S.C. 1681s-2 ( b ) Duty to investigate and delete unverifiable information 15 U.S.C. 1692g Right to debt validation Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-15 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: FL

Complaint narrative:
I am submitting this formal dispute and urgent request for removal of multiple unauthorized, inaccurate, and unverified inquiries appearing on my credit reports with Experian, Equifax, and TransUnion, which continue to negatively impact my creditworthiness and misrepresent my true financial history despite repeated prior disputes. On Experian, the inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appear without my consent and lack verifiable documentation. On Equifax, the inquiries TRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are similarly unverified and unauthorized. On TransUnion, the inquiries TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are reported inaccurately and without proper authorization. These inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g, which require that all inquiries be authorized, accurate, and verifiable. Their continued reporting demonstrates repeated noncompliance with federal law, misrepresents my credit activity, and has caused undue stress and harm to my financial standing. I am therefore requesting that all three credit bureaus permanently delete these inquiries immediately, provide written confirmation of their removal, and cease reporting these unauthorized and unverifiable items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this formal dispute and urgent request for removal of multiple unauthorized, inaccurate, and unverified inquiries appearing on my credit reports with Experian, Equifax, and TransUnion, which continue to negatively impact my creditworthiness and misrepresent my true financial history despite repeated prior disputes. On Experian, the inquiries XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appear without my consent and lack verifiable documentation. On Equifax, the inquiries TRXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are similarly unverified and unauthorized. On TransUnion, the inquiries TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX are reported inaccurately and without proper authorization. These inquiries violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 609 ( a ) ( 1 ) 15 U.S.C. 1681g, which require that all inquiries be authorized, accurate, and verifiable. Their continued reporting demonstrates repeated noncompliance with federal law, misrepresents my credit activity, and has caused undue stress and harm to my financial standing. I am therefore requesting that all three credit bureaus permanently delete these inquiries immediately, provide written confirmation of their removal, and cease reporting these unauthorized and unverifiable items.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am following up on my previous request regarding the removal and correction of inaccurate address information associated with my credit report. Despite my initial dispute, the following addresses remain inaccurately reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These addresses are not associated with my current or past residences and do not reflect my true residential history. The continued presence of these inaccuracies is misleading and negatively impacts my credit report. I have not received confirmation that the required correction and removal were made in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

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 2025-11-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX 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