vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Including but not limited to : Also, Navy Federal Credit Union took {$200.00} out of my savings account on XX/XX/year>. After the credit card account was already discharged. See attached letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXXBalance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX Balance {$650.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: KY

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXXBalance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX Balance {$650.00}.

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 2025-07-01 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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:
Between XX/XX/XXXX and XX/XX/XXXX, multiple fraudulent accounts were opened using my personal information without my authorization. I first discovered the identity theft in XX/XX/XXXX after reviewing my credit report and noticing unfamiliar accounts and charges. 

A credit card account was fraudulently opened with XXXX XXXX XXXX in XX/XX/XXXX, with a balance of {$6800.00}. A second account was opened with XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX, showing a balance of {$440.00}. In addition, fraudulent auto loan and lease accounts were created with XXXXXXXX XXXX XXXX  ( opened in XX/XX/XXXX for {$290.00} ) and XXXX XXXX XXXX ( opened in XX/XX/XXXX for {$600.00} ). 

I did not open, authorize, or benefit from any of these accounts. As soon as I became aware of the activity, I filed this identity theft report with the FTC, contacted the credit reporting agencies, and began taking steps to secure my identity and dispute the fraudulent charges. 

This situation has caused me financial and emotional hardship, and I am requesting assistance in blocking and removing these accounts from my credit report and ensuring no further harm is done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I

am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification. Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item. Please provide this information within 15 days of receiving this request, as required by federal law.

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 2025-07-01 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
My data, idenity and personal information was part of the XXXX XXXX breach, and there is information on my credit report that does not belong to me, in the amount of {$40000.00}. 
And accounts that are not mine, and I did not open or authorize them to be open, with addresses that were never mine. 
ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX  XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this complaint as a follow-up to a previous complaint submitted on XX/XX/year>, regarding a disputed XXXX ( XXXX XXXX ) credit card account on my Experian credit report. That complaint is still marked as awaiting a response from Experian. 

I originally disputed the account by mail on or around XX/XX/year>, and included a written request for the Method of Verification ( MOV ) as allowed under FCRA 611 ( a ) ( 7 ). Experian responded online stating only that the account remains, but never responded to my MOV request within the required 15 days. 

As of today, XX/XX/year>, it has been over 45 days since my mailed dispute, and Experian has failed to provide any written response to my MOV request or submit documentation through the CFPB portal. 

This is a clear procedural violation of my rights under the Fair Credit Reporting Act. I am not responsible for the XXXX account it was reported as an Authorized User account, which I did not open, control, or benefit from. 

I am requesting full deletion of the XXXX account from my Experian credit report due to Experians failure to provide timely verification under FCRA 611 ( a ) ( 7 ). 

Prior CFPB Case Number : XXXX Company : Experian Account in dispute : XXXXXXXX XXXX ( Authorized User ) Relief requested : Immediate deletion of the account from my Experian 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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
The Affrim is refusing to refund me for a credit card charge when the hotel i booked did not refund me for a cancellation i did a head of time hotel states that you have 24 hours to cancel booking before i would be charged and i did cancel before the 24 hours was up. i called the hotel to cancel but now they are trying to charge me for a room i never stayed in. i disputed the charge with Affirm and less then 24 hours they turned down the refund i called the hotel and they told me that know one form Affirm ever tried to call them.Affirm is trying to allow them to keep my money. the hotel name is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/year>, I attempted to send approximately {$600.00} USD to a family member in the XXXX ( I am in XXXX XXXX ) via XXXX. Chase Bank INCORRECTLY said she was NOT registered with XXXX, which is NOTtrue. The problem may have been she gave me her XXXX account via email rather than her phone number, as she thought she had registered both to her account. Perhaps there was a syncing problem. At any rate, the response said " Pending '' because she was erronesouly listed as " not registered with XXXX '' ( see " XXXX XXXX pending '' file ) and yet she has sent funds to me in the past via XXXX. We tried to test whether {$1.00} could be sent and show Chase Bank that we both have XXXX accounts ( it worked successfully for the {$1.00} -- see " XXXX XXXX Success '' file ), yet Chase Bank closed my account for XXXX hours due to " suspiscious activity '' and then cancelled my XXXX submission even though they said it would give me 14 days before canceling for recipient to accept funds. I called to explain the situation, but the Bank closed my account AGAIN after briefly opening it after the XXXX window. So I can not send money via XXXX ( even though I the sender and the recipient both have XXXX accounts ) and instead, I have TWICE been LOCKED out of my account when I try to send her the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-01 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: GA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
XXXX is inaccurately reporting a collection account from Aargon Agency on my credit report. The account is listed as opened on XX/XX/year> with a balance of {$410.00} and marked as past due and in collection as of XX/XX/year>. 
This timeline is not only extremely compressed, but also inconsistent with fair credit reporting practices. A one-month terms account being reported as delinquent within 90 days of origination raises serious concerns. There are no recorded payments, no validation of the debt, and no evidence that I was notified or provided an opportunity to resolve it before collection status was assigned. 
This has negatively impacted my credit profile, and I request a full investigation. If XXXX can not provide documentation validating the debt and timeline, I respectfully ask that the account be deleted or corrected.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-01 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: NJ

Complaint narrative:
This letter serves as a formal follow-up to a previously submitted dispute regarding inaccurate and unverifiable accounts that remain on my credit file. I am demanding the immediate removal of the following accounts : XXXX XXXX * * * * XXXX  XXXX * * * * XXXX XXXXXXXX XXXX XXXXXXXX * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter serves as a formal follow-up to a previously submitted dispute regarding inaccurate and unverifiable accounts that remain on my credit file. I am demanding the immediate removal of the following accounts : XXXX XXXX * * * * XXXX  XXXX * * * * XXXX XXXXXXXX XXXX XXXXXXXX * * * *

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 2025-07-01 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: OH

Complaint narrative:
My student loans have been in deferment with the recent law changes and the stand still with the repayment plans I called to make sure my loans would stay in deferment. The lady told me she put my request in because I work in a non profit healthcare I would be considered or I could just do IDR I checked the website by XXXX and it stated my payments are not due until XX/XX/XXXX or XX/XX/XXXX my payments in my credit are showing missed I even made payments in XXXX XXXX and XX/XX/XXXX because of the inaccuracies. I recently called XXXX again and was told I do not owe any money my loans are in deferment, I also told them my credit report is showing missed payments. The lady could not help me any further I was told to issue a complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: OH

Complaint narrative:
My student loans have been in deferment with the recent law changes and the stand still with the repayment plans I called to make sure my loans would stay in deferment. The lady told me she put my request in because I work in a non profit healthcare I would be considered or I could just do IDR I checked the website by XXXX and it stated my payments are not due until XX/XX/XXXX or XX/XX/XXXX my payments in my credit are showing missed I even made payments in XXXX XXXX and XX/XX/XXXX because of the inaccuracies. I recently called XXXX again and was told I do not owe any money my loans are in deferment, I also told them my credit report is showing missed payments. The lady could not help me any further I was told to issue a complaint to CFPB.

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 2025-07-01 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: OH

Complaint narrative:
My student loans have been in deferment with the recent law changes and the stand still with the repayment plans I called to make sure my loans would stay in deferment. The lady told me she put my request in because I work in a non profit healthcare I would be considered or I could just do IDR I checked the website by XXXX and it stated my payments are not due until XX/XX/XXXX or XX/XX/XXXX my payments in my credit are showing missed I even made payments in XXXX XXXX and XX/XX/XXXX because of the inaccuracies. I recently called XXXX again and was told I do not owe any money my loans are in deferment, I also told them my credit report is showing missed payments. The lady could not help me any further I was told to issue a complaint to CFPB.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I was paying a parking ticket to XXXX. I used my cashapp account. Send them {$51.00} and about XXXX minutes later I get a email that it was rejected. Because I sent the wrong amount. So it was canceled in XXXX minutes. Well the money never went back into account. Said I have to wait 14 days. I waited and nothing. Now cashapp is telling me that the money was put back into my account. It wasn't. So I'm out {$51.00} and it's not fair. Cashapp is scamming me. Plz help.

Company response to consumer: Closed with explanation