vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXXXX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-05 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: CA

Complaint narrative:
I am disputing derogatory late payment notations being reported on my XXXX XXXX XXXX XXXX account ( Acct. No. XXXX ) for XXXX, XXXX, and XX/XX/year>. These entries are false and materially misrepresent my flawless payment history. 

I have verifiable evidence ( bank records, cleared ACH transactions, and monthly statements ) proving that all payments were made on time.

These inaccurate notations violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires the maximum possible accuracy in reporting.

I am specifically invoking E-OSCAR Dispute Code 103 ( Account paid as agreed ) and request that the account be updated to reflect Pays As Agreed. 

Additionally, I demand that the Compliance Condition Code be updated to XB ( Account information disputed by consumer ) while the reinvestigation is pending.

Under Metro 2 guidelines, the failure to update this account properly also constitutes noncompliance with the Consumer Data Industry Association ( CDIA ) Reporting Resource Guide.

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 2025-08-05 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: CA

Complaint narrative:
I am disputing derogatory late payment notations being reported on my XXXX XXXX XXXX XXXX account ( Acct. No. XXXX ) for XXXX, XXXX, and XX/XX/year>. These entries are false and materially misrepresent my flawless payment history. 

I have verifiable evidence ( bank records, cleared ACH transactions, and monthly statements ) proving that all payments were made on time.

These inaccurate notations violate 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, which requires the maximum possible accuracy in reporting.

I am specifically invoking E-OSCAR Dispute Code 103 ( Account paid as agreed ) and request that the account be updated to reflect Pays As Agreed. 

Additionally, I demand that the Compliance Condition Code be updated to XB ( Account information disputed by consumer ) while the reinvestigation is pending.

Under Metro 2 guidelines, the failure to update this account properly also constitutes noncompliance with the Consumer Data Industry Association ( CDIA ) Reporting Resource Guide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am filing a formal complaint regarding the inaccurate reporting of multiple late payments by Equifax. These payments were made on time, yet they continue to appear as late on my credit report, which is damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-05 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Navy Federal prioritized their internal loan payment over a legitimate ACH payment I submitted to another creditor. I submitted a {$57.00} payment to XXXX XXXX on XX/XX/year>, while funds were available. On XX/XX/XXXX, Navy Federal withdrew {$70.00} for an automatic loan payment on a charged off account which i didnt authorize. I also notified them I will be making a payment arrangement prior to this occuring without warning. They refused to reverse this internal payment or take responsibility for causing my {$57.00} payment to bounce. I contacted them multiple times and explained that I acted in good faith, and I provided proof. They said, You owe us, so we dont care. 

I am asking for the {$70.00} loan payment to be reversed or any resulting NSF/returned fees to be waived. 

They are now processing my payment for XXXX for XX/XX/XXXX because they already took the payment XX/XX/XXXX and pushed my payment made while I had the funds ( XX/XX/XXXX ) and forced it to process after the fact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
To : Date : From : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX and FCRA Dispute Trust Ownership of Debt To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 ( a ), and pursuant to Metro 2 reporting standards, regarding accounts associated with my name, XXXX XXXX XXXX 

Please be advised that all debts, liabilities, and accounts associated with my personal name have been irrevocably assigned to the XXXX XXXX XXXX XXXX, a private foreign trust, XXXX XXXX, created XX/XX/year>. 

As of the date of assignment, these obligations are no longer associated with my personal credit file and are now privately administered and held in trust. 

Pursuant to Metro 2 Format guidelines, you are required to : - Correct or DELETE all inaccurate data related to these accounts ; - Update the status to Account Assigned to Another Entity/No Longer Collectible or Deleted under the appropriate ECOA code ; - Remove all reporting under my SSN or consumer profile that conflicts with the lawful transfer of obligation to the Trust. 
Accounts : Equifax, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionals Only on Experian : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. All XXXX loans Failure to do so constitutes continued publication of false and misleading information, subject to statutory and actual damages. 

Enclosed you will find : - Trust Indenture and Affidavit of Assignment - Certificate of Trust - Affidavit of Life and Status - Identification This letter serves as NOTICE to cease all reporting of accounts that have been lawfully transferred to the XXXX XXXX XXXX XXXX. Any continued verification will be interpreted as willful noncompliance and will be addressed through formal regulatory complaint and litigation. 

Please provide written confirmation of the deletions or corrections within 15 days. 


Respectfully, XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC 1-308 Enclosures : - Trust Indenture and Assignment Affidavit - Certificate of Trust - Affidavit of Life and Status - Copy of ID

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 2025-08-05 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: GA

Complaint narrative:
To : Date : From : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX XXXX XXXX and FCRA Dispute Trust Ownership of Debt To Whom It May Concern, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and 1681s-2 ( a ), and pursuant to Metro 2 reporting standards, regarding accounts associated with my name, XXXX XXXX XXXX 

Please be advised that all debts, liabilities, and accounts associated with my personal name have been irrevocably assigned to the XXXX XXXX XXXX XXXX, a private foreign trust, XXXX XXXX, created XX/XX/year>. 

As of the date of assignment, these obligations are no longer associated with my personal credit file and are now privately administered and held in trust. 

Pursuant to Metro 2 Format guidelines, you are required to : - Correct or DELETE all inaccurate data related to these accounts ; - Update the status to Account Assigned to Another Entity/No Longer Collectible or Deleted under the appropriate ECOA code ; - Remove all reporting under my SSN or consumer profile that conflicts with the lawful transfer of obligation to the Trust. 
Accounts : Equifax, Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionals Only on Experian : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. All XXXX loans Failure to do so constitutes continued publication of false and misleading information, subject to statutory and actual damages. 

Enclosed you will find : - Trust Indenture and Affidavit of Assignment - Certificate of Trust - Affidavit of Life and Status - Identification This letter serves as NOTICE to cease all reporting of accounts that have been lawfully transferred to the XXXX XXXX XXXX XXXX. Any continued verification will be interpreted as willful noncompliance and will be addressed through formal regulatory complaint and litigation. 

Please provide written confirmation of the deletions or corrections within 15 days. 


Respectfully, XXXX XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC 1-308 Enclosures : - Trust Indenture and Assignment Affidavit - Certificate of Trust - Affidavit of Life and Status - Copy of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A late payment has been recorded in error, which misrepresents my creditworthiness. I urge swift resolution of this issue.

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 2025-08-05 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MS

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
Remove XXXX innacurate accounts from my credit report immediately XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: IN

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with XXXX XXXX, Im requesting that they be removed within the next XXXX  days. Ive included documents that explain my situation.

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 2025-08-06 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with AMEX or any of the affiliates. I have confirmed and advised AMEX that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how AMEX approved a credit under my name, without doing any further review and confirmation. Given the fact that AMEX has the right to investigate and obtain all necessary information prior to approving any credits, AMEX has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, AMEX must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that AMEX must comply with prior to approving any credit card/lines to anyone. Pursuant to AMEX 's online advertisement, AMEX encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from AMEX stating that my information was used or attempted to be used in order to open an account. Thus, AMEX has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, AMEX violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for AMEX to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
PAYPAL PERMANENTLY BLOCKED MY ACCOUNT WITH XXXX IN IT AND REFUSES TO GIVE ME MY MONEY OR TELL ME WHY THEY BANNED MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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