vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes collection accounts that I believe may be inaccurate. Under 15 USC XXXX ( b ) and 15 USC XXXX, I have the right to a report that contains only verified and accurate information. I am requesting a detailed review of these accounts, and if they can not be confirmed as accurate, they must be removed.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive noticed late payment entries on my credit report that I believe are inaccurate. In accordance with 15 USC XXXX ( b ) and 15 USC XXXX, only accurate, complete, and verifiable information should be included in my report. I am requesting verification of these entries, and if they can not be confirmed, they must be updated or deleted accordingly.

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 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I cant withdraw money from casino merchant sended to wise bank deposit details On XXXX. XXXX i gave this details : XXXX To https : //tsars.com for withdrawing my funds Tsars casino maded 2 transfers and they have sended me Confirmation of the payments As they are XXXX XXXX sended to wise details from company name XXXX XXXX XXXX XXXX WISE AND XXXX XXXX XXXX FROM XXXX XXXX XXXX XXXX XXXX WISE Wise is Holding my money from 3 MONTH AND WE ARE GOING ON CIRCLE THEY SEND ME DIFFERENT EMAILS EVEN WITH DIFFERENT LANGUAGE THEY REQUEST PROOF OF ACCOUNT OWNERSHIP OF THE SENDER I SENDED THEM REQUIRED FILES THEY RESPONSE THAT THEY WANT BGN ACCOUNT DETAILS BUT THE 3RD PARTY GAMBLING SITE CANT PROVIDE ME A BGN IBAN, I HAVE TOLD THEM THAT I HAVE ALSO PROVIDED THEM MY XXXX XXXX  DETAILS AS AN ALTERNATIVE DETAILS BUT THEY WANT THE IBAN TO BE ON THE SENDER

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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 went to XXXX XXXX on XX/XX/year> to open a business account. While doing so, the clerk suggested I sign up for a business credit card. I was already going to do this so I go ahead and sign up. Around XX/XX/year>, I get a letter saying I was denied because they was unable to verify business, business phone number, and/or business ownership. These are all the things they needed to open the business account, which was already open and running before I even started to sign up for the credit card. I went back to XXXX XXXX on XX/XX/XXXX to speak to Branch Manager about the situation. She was not in that day but a guy helped me somewhat. He reviewed everything I brought in and realized that I had provided the correct documentation, it was a system error on their end. Went back Thursday. No Branch Manager. Friday at XXXX I finally spoke to her. She called to see if they would run it without me resubmitting my paperwork but they denied. Now my FICO score is down XXXX points and dont have anything to show for it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is being submitted pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the inaccurate information I have found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I reviewed my Experian credit report and noticed a hard inquiry from XXXX XXXX , dated XX/XX/year>. I never applied for credit, financing, or any loan with this company, nor did I authorize them to access my credit report. 

This inquiry does not correspond to any open or existing account and was made without my written or verbal consent. Therefore, it appears to be an unauthorized access to my personal credit file.

According to the Fair Credit Reporting Act ( FCRA ) 1681b ( a ), a

consumer report may only be accessed for a permissible purpose and with proper authorization. Additionally, 1681b ( f ) prohibits obtaining a consumer report under false pretenses or without a legitimate business purpose.

I contacted Experian to dispute this inquiry and requested documentation proving my authorization, but no such documentation has been provided. This unauthorized inquiry is negatively impacting my credit score and must be removed immediately under FCRA 1681i ( a ), which requires the credit bureau to investigate and delete unverifiable information.

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 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: MO

Complaint narrative:
I purchased my current XXXX XXXX through CNAC/Byrider in XXXX, Missouri, and have experienced ongoing problems with how my account is being managed. The company retained a {$4900.00} advance toward my deferred down payment, required additional down payments, and has repeatedly misapplied payments or shown changing balances without explanation. My pay dates were adjusted earlier this year, but CNAC has refused to update my due date even though theyve done so before. Ive requested my signed loan paperwork and an accurate payment breakdown several times since XX/XX/year>, but they have not provided it. I have continued to make payments in good faith, most recently offering one on XX/XX/year>, but CNAC stopped responding to written communication and continues to threaten repossession. Im concerned that they are refusing to document my account properly and are avoiding transparency in how they handle customer payments and deferred down payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
XX/XX/XXXX XXXX i received an alert that fund was being sent to a random person name XXXX XXXX. I immediately got into my account and noticed my checking and savings was wiped clean. I called chime made the dispute and told them everything they asked me a few questions after being transferred to the special department for fraud and claims. I never authorized this and didnt even know this person that some how wiped my XXXX from my account. This is fraud I should be able to trust my money in a bank and protected if something like this happens. I have no funds for 2 weeks and they dont care and closed my claim and denied it and said there was no error!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Back in 2022, living in XXXX XXXX apartments my apartment flooded XX/XX/XXXXonce during XXXX causing damages to gifts etc, there was also a horrible roach infestation that was never handled, and it was dismissed in court XX/XX/XXXXyears later its in collections increasing amount, it started at XXXX which I wasnt aware of when I checked it was at XXXX and when I got on the phone with collection agency it went up to XXXX Im not sure if its a scam or what but I know for certain I do not owe them anything and they are full well what they are doing wrong as far as the collection agency, I dont know if they are real or not but theres no way, my debt should have even been there or increased to that amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NJ

Complaint narrative:
On XX/XX/XXXX, I discovered that an account reported by [ NAME OF THE COMPANY / CREDITOR ] appeared on my credit report without my authorization or consent. I have never applied for, opened, or signed any agreement related to this account XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. After noticing this entry, I contacted the company requesting verification and a copy of any signed documentation proving that I authorized or consented to this account. However, the company failed to provide any valid proof or contract. This reporting is inaccurate and misleading, constituting a violation of my rights under the Fair Credit Reporting Act ( FCRA ) specifically sections 602 ( A ) ( requirement of accuracy and fairness in credit reporting ), 623 ( A ) ( 1 ) ( A ) ( furnishers duty to report accurate information ), and 611 ( a ) ( 1 ) ( A ) ( consumers right to dispute unverifiable information ). Because I never authorized this account and no evidence of my consent exists, I consider it a fraudulent or unauthorized account that is harming my creditworthiness and violating my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Subject : Request for Investigation and Verification under FCRA 609 To Whom It May Concern, I am writing to formally dispute the following item ( s ) that appear on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the original source and verification of these accounts.

The account ( s ) I am disputing are : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$3400.00} Date Opened : XX/XX/XXXX I do not recognize this account as valid and request that you provide : 1. 2. 3. The original signed contract or agreement bearing my signature.

Name and address of the original creditor.

Copies of any documents used to verify the account.

If you can not verify the accuracy of this account, please remove it from my credit report immediately as required by FCRA 611.

Enclosed are copies of documents to support my identity and dispute ( such as my drivers license, Social Security card, and a recent utility bill ).

Please conduct an investigation and provide me with written confirmation of your findings. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Subject : Request for Investigation and Verification under FCRA 609 To Whom It May Concern, I am writing to formally dispute the following item ( s ) that appear on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide the original source and verification of these accounts.

The account ( s ) I am disputing are : Creditor Name : XXXX XXXX  Account Number : XXXX Reported Balance : {$3400.00} Date Opened : XX/XX/XXXX I do not recognize this account as valid and request that you provide : 1. 2. 3. The original signed contract or agreement bearing my signature.

Name and address of the original creditor.

Copies of any documents used to verify the account.

If you can not verify the accuracy of this account, please remove it from my credit report immediately as required by FCRA 611.

Enclosed are copies of documents to support my identity and dispute ( such as my drivers license, Social Security card, and a recent utility bill ).

Please conduct an investigation and provide me with written confirmation of your findings. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
I am writing to formally dispute certain charged-off accounts appearing on my credit report. These accounts are being reported as charged off by the original creditor and/or collection agencies, yet no Form 1099-C ( Cancellation of Debt ) has been issued or provided as required under IRS reporting regulations when a debt has been deemed canceled or uncollectible.

According to IRS Publication 4681 and Form 1099-C regulations, creditors are required to file and provide a copy of Form 1099-C to the debtor when {$600.00} or more of debt has been canceled, discharged, or deemed uncollectible.

I have attached the name of 13 accounts that have been Paid/Never Late or Charged Off that are harming my credit worthiness and need to be deleted for being inaccurately reported across all 3 credit bureau 's .

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 2025-10-13 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: CA

Complaint narrative:
I am writing to formally dispute certain charged-off accounts appearing on my credit report. These accounts are being reported as charged off by the original creditor and/or collection agencies, yet no Form 1099-C ( Cancellation of Debt ) has been issued or provided as required under IRS reporting regulations when a debt has been deemed canceled or uncollectible.

According to IRS Publication 4681 and Form 1099-C regulations, creditors are required to file and provide a copy of Form 1099-C to the debtor when {$600.00} or more of debt has been canceled, discharged, or deemed uncollectible.

I have attached the name of 13 accounts that have been Paid/Never Late or Charged Off that are harming my credit worthiness and need to be deleted for being inaccurately reported across all 3 credit bureau 's .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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 formal complaint against Equifax and XXXX XXXX XXXX XXXX for illegal continued charge-off reporting and re-aging of a derogatory tradeline. 
The account XXXX XXXX XXXX XXXX Account # XXXX shows a Date of First Delinquency of XX/XX/year> and was charged off. However, both Equifax and the furnisher continue to report a new CO ( charge-off ) status month after month, which is a direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 605 ( c ).

Once an account has been charged off, it can not be re-aged or reported as a new delinquency each month. This is misleading, inaccurate, and artificially extends the negative credit impact, which violates my right to accurate reporting under FCRA 602 ( A ) and FCRA 605 ( a ) ( 4 ).

I am requesting that this account be fully deleted, not updated, as the manner of reporting is materially non-compliant with the FCRA. I am seeking complete removal of the XXXX XXXX XXXX XXXX tradeline from Equifax.

I am attaching a screenshot showing multiple consecutive months marked as CO even after the original charge-off date, proving continued and unlawful negative re-reporting.

Please require Equifax and the furnisher to delete this account entirely, as it is being reported in a false, harmful, and non-FCRA-compliant manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for failing to maintain accurate and verifiable information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( b ) and XXXX ). A company named XXXX XXXX XXXX, XXXX ( also known as XXXX ) has reported a collection account on my credit profile that I have disputed multiple times. 

This company has refused to provide lawful proof that I ever authorized them to collect, possess, or report my personal information. They have failed to show a signed agreement, assignment, or validation of any kind. I filed a XX/XX/XXXXcomplaint against this company and attached evidence showing that they continue to upload the same documents that do not show my consent or authorization. The XX/XX/XXXX has reopened my case due to their ongoing failure to comply or provide proof. 

Despite the lack of validation, this account remains on my credit report. I have already received duplicate messages from CFPB when rewording my complaints, but this is not a duplicate issue... it is an ongoing violation. This company has also stated that they will no longer respond, which shows they are intentionally avoiding accountability. 

The credit bureaus continue to report this information without confirming the accuracy, validity, or lawful authorization of this third-party debt collector. This violates Metro 2 compliance standards and shows a failure in the E-OSCAR reinvestigation process where data furnishers and the bureaus must verify or delete unverifiable data. The continued reporting of this invalid account shows negligence and disregard for the consumers rights under the FCRA. 

I have uploaded my ID, and i have uploaded everything they have sent me. Nowhere it say " XX/XX/XXXX'' on the lease. Please work with me. I am trying to avoid going to my lawyer, but i have no choice if noone is working with me to get this removed from my reports. 

Thank you in advance.

Company response to consumer: Closed with explanation