vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
I am submitting this formal complaint to both your agencies regarding repeated and unlawful actions taken by consumer reporting agencies and furnishers of information, specifically XXXX XXXX XXXX XXXX, which have directly harmed my credit profile, financial stability, and access to housing. 



Despite numerous requests and disputes, my credit reports continue to reflect the following inaccuracies and violations : Improperly reported medical debt Incorrect or inflated credit card balances Personal information errors including misspelled name ( s ), outdated addresses, and inaccurate data Adverse items beyond the reporting window of seven years These inaccuracies have caused significant hardship decreasing my credit score, hindering my ability to secure credit or stable housing, and unfairly tarnishing my financial reputation.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602, there is a clear obligation for consumer reporting agencies to operate with fairness, accuracy, and respect for consumer privacy. Yet, in my case, these agencies have repeatedly failed to uphold these standards. I am the consumer protected by these laws, and I am asserting my rights.

I also cite 15 USC 6801, which mandates that financial institutions must protect the confidentiality of consumer information. These furnishers including medical providers and credit card companies did not obtain my written consent as required under 15 USC 1681 Section 604 ( a ) ( 2 ) to share this information with XXXX XXXX XXXX XXXX. I formally revoke any implied, verbal, or previous consent given.

According to 12 CFR 1016.7, I reserve th
e right to opt out of data sharing at any time, and I am doing so now.

Furthermore : 15 USC 6802 ( b ) ( c ) states I should have been informed of my right to nondisclosure. I was not. 15 USC 1681c ( a ) ( 5 ) prohibits the reporting of outdated adverse items yet these still appear. 15 USC 1681s2 ( a ) ( 1 ) ( A ) prohibits the
reporting of any information known to be inaccurate.

15 USC 1681e mandates reasonable procedures to ensure accuracy which have not been followed in my case.

I am asking that the CFPB to step in and enforce the laws written to protect consumers like me. These violations ha
ve real-life consequences, and Im requesting immediate review and support in holding these entities accountable. 



I am happy to provide documentation, including dispute letters, credit report screenshots, and identity verification if needed. I appreciate your time and attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
This CFPB complaint is filed pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that the TransUnion credit reporting agency block the following fraudulent student loan accounts from my consumer credit file within four business days : 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 These accounts were not authorized by me and are the result of identity theft. I did not apply for, initiate, or benefit from any of the above accounts. I have attached a copy of my consumer credit report showing the fraudulent entries, along with a valid FTC Identity Theft Report # ( private case number ) to support my identity theft claim.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
My LexisNexis consumer report has anXX/XX/XXXXamount of incorrect unauthorized and fraudulent information and data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: KY

Complaint narrative:
I have come across the CFPB Equifax lawsuit. I am also a victim of " sham '' investigations of credit report errors. I have been negatively impacted as a consumer by Equifax. They have ignored and/or refuse to provide transcripts of how Equifax has XXXX verified '' the errors and inaccuracies on my credit profile, that the other credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX, and others ) have removed from my credit profile for having errors and inaccuracies. As a victim of identity theft I understand accordingly with FCRA 605b all accounts resulting of Identity theft must be removed in 4 days from this notice. Please provide a full transcript on what you verified, when it was verified, who verified it, and how it was verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, duplicated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be corrected or permanently deleted from my credit profile. 
XXXX XXXX BALANCED {$850.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00} XXXX XXXX BALANCED {$5600.00} XXXX XXXX XXXX BALANCED {$400.00} XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00}

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 2025-05-26 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: TX

Complaint narrative:
I was originally with XXXXXXXX XXXX  and doing a forbearance due to medical reasons in XX/XX/year> they said they set it up and I had nothing to worry about. Id never missed one payment at this point. Then they sold my loan to new lender all of a sudden XX/XX/year> then this new lender Selene Finance says they have no record and they dont offer anything for people like forbearance and they escrow my account so high it doubled my mortgage. It all seems like a scam!!! 

If not Id like them to switch me back to my original lender XXXX which offered me better loan services. It seems XXXX switched me to a terrible lender during a time when interest rates are high and its hard to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-05-26 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: NC

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 2025-05-26 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The delinquent payments shown on my credit report ( XX/XX/XXXX and XX/XX/XXXX ) was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended on XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint is being submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to demand that Equifax immediately block and permanently delete the following accounts from my consumer credit file. These entries are the result of identity theft and are inaccurately associated with me. As required by law, action must be taken within four business days of receiving this dispute. 

The following accounts were fraudulently opened and reported : An auto loan account with XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$2000.00} A credit card with XXXX XXXX XXXX XXXX XX/XX/XXXX, with a balance of {$0.00} A retail card with XXXX  opened on XX/XX/XXXX, with a balance of {$0.00} A credit account with XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$2000.00} A finance account with XXXX  XXXX XXXX opened XXXX XX/XX/XXXX, with a balance of {$4400.00} A loan account with XXXX  opened on XX/XX/XXXX, with a balance of {$2900.00} A student loan reported by XXXX XXXX XXXXXXXX  opened on XX/XX/XXXX XXXX XXXX a balance of {$140000.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$970.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$430.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$640.00} A second collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$560.00} A third collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$610.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$3400.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX XXXX XXXX a balance of {$1700.00} Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), I am also disputing the accuracy and legitimacy of each of these accounts. I demand a full reinvestigation and require that Equifax provide the specific method of verification used for each entry, as well as any original application records or physical documentation relied upon to confirm their accuracy. Failure to supply this evidence constitutes prima facie fraudulent reporting and mandates removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: MI

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 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I had a XXXX  business account. After I sold my merchandise the customer somehow hacked my account and refunded the money back to herself. When I tried to reach out to customer support they just told me that they was closing my account. I even send them the messages from the client after the situation she was texting me laughing about it and I sent that in as well. It was a total of almost {$900.00} between both transactions My email for XXXX  was XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4400.00} Closed Overview You're currently using 278 % of your account 's limit. 

Balance {$4400.00} Credit limit $ XXXX Monthly payment XXXX XXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

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 2025-05-26 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:
The delinquent payment shown on my credit report ( XX/XX/XXXX ) was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended on XX/XX/XXXX. This act amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Cash Express, LLC
State: KY

Complaint narrative:
I have gotten over and over again money through Cash Express and paid it off in full. Now they said I owe XXXX which I don't owe, they are ruining my credit to where I can't get a loan are anything through anywhere. Also I got a letter from them saying they are taken me to court if not paid in full. This is so wrong. I am on XXXX. I also called and tried to talk to a office manager and he was very, very nasty with me..

They have ruined my credit .. and my credit score. I did nothing wrong!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation