vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN : XXXX XXXX : XX/XX/XXXX To : EQUIFAX XXXX EXPERIAN XXXX TRANSUNION Date : XX/XX/XXXX Subject : URGENT FRAUD DISPUTE Removal of Fraudulent Account and Address Re : Fraudulent Activity FTC Identity Theft Report & FCRA Violation To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate information that appears on my credit report. This is an urgent matter, and I have filed an identity theft report with the Federal Trade Commission. I request immediate removal of the items listed below under the Fair Credit Reporting Act ( FCRA ). 
Disputed Information : Remove Fraudulent Accounts COLLECTIONS : XXXX XXXX XXXX XXXX XXXX ) # XXXX, Opened on XX/XX/XXXX. 

Remove Fraudulent inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I have never lived at or been associated with this address. 
Please remove it from my credit file. 

Violation of FCRA Law : The information listed above is in violation of my rights under the following sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 602 ( a ) Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits inclusion of outdated and adverse information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits furnishing information known or believed to be inaccurate.

15 U.S.C. 1681 604 ( a ) ( 2 ) Prohibits use of consumer reports without written authorization.

Request for Action : In accordance with FCRA Sections 609 and 611, I request the following : Remove the unauthorized address listed above.

Block and delete any and all accounts, inquiries, or public records associated with this fraudulent information.

Provide me with written confirmation of the deletion.

If you can not verify the accuracy and legitimacy of the disputed information, it must be deleted immediately. If your agency fails to comply with this request within 30 days of receipt, I reserve the right to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies in small claims court. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX SSN : XXXX XXXX : XX/XX/XXXX To : EQUIFAX XXXX EXPERIAN XXXX TRANSUNION Date : XX/XX/XXXX Subject : URGENT FRAUD DISPUTE Removal of Fraudulent Account and Address Re : Fraudulent Activity FTC Identity Theft Report & FCRA Violation To Whom It May Concern, I am writing to formally dispute fraudulent and inaccurate information that appears on my credit report. This is an urgent matter, and I have filed an identity theft report with the Federal Trade Commission. I request immediate removal of the items listed below under the Fair Credit Reporting Act ( FCRA ). 
Disputed Information : Remove Fraudulent Accounts COLLECTIONS : XXXX XXXX XXXX XXXX XXXX ) # XXXX, Opened on XX/XX/XXXX. 

Remove Fraudulent inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX I have never lived at or been associated with this address. 
Please remove it from my credit file. 

Violation of FCRA Law : The information listed above is in violation of my rights under the following sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681 602 ( a ) Right to privacy and accuracy in consumer reporting.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits inclusion of outdated and adverse information.

15 U.S.C. 1681s-2 ( a ) ( 1 ) Prohibits furnishing information known or believed to be inaccurate.

15 U.S.C. 1681 604 ( a ) ( 2 ) Prohibits use of consumer reports without written authorization.

Request for Action : In accordance with FCRA Sections 609 and 611, I request the following : Remove the unauthorized address listed above.

Block and delete any and all accounts, inquiries, or public records associated with this fraudulent information.

Provide me with written confirmation of the deletion.

If you can not verify the accuracy and legitimacy of the disputed information, it must be deleted immediately. If your agency fails to comply with this request within 30 days of receipt, I reserve the right to take further legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies in small claims court. 
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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report, which I am entitled to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. This dispute concerns an incorrect charge or account reported on all my 3 credit bureaus.

On my credit, there are listings from collections agencies I believe is inaccurate. I did not authorize this charge/account, nor have I received any goods or services in connection with it. I have no record of any agreement, application, or transaction with this company that would validate this entry.

As required under the FCRA, I am formally requesting that the information in question be investigated. If the reporting party can not verify the accuracy and legitimacy of this information within 30 days, it must be deleted from my credit file, as stated under 1681i ( a ) ( 5 ) ( A ).

A copy of the portion of my credit report showing the inaccurate information Any relevant correspondence or communications I have had with the company Proof of identity and address ( if required later ) I respectfully request that the inaccurate item be deleted or corrected, and that a revised copy of my credit report be sent to me once the investigation is complete. Furthermore, please notify any parties who have received my report in the past XXXX months ( or XXXX years for employment purposes ) of the correction, as allowed under FCRA 1681i ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) and FTC identity theft provisions. 
On [ XX/XX/XXXX. ], I submitted to Experian an identity theft report along with my government-issued ID and Social Security XXXX XXXX These documents clearly show that certain accounts on my credit report were the result of identity theft. 
Despite providing all required documentation, Experian declined to remove or block these fraudulent accounts. This is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block fraudulent information within XXXX business days of receiving : XXXX. Proof of identity ; XXXX. A copy of an identity theft report ; XXXX. Identification of the fraudulent accounts ; and XXXX. A statement that the information does not relate to any transaction I made. 
XXXX refusal to act has caused ongoing harm, including inaccurate negative information remaining on my credit report, damage to my credit score, and emotional distress. 
I have attached my original identity theft report, proof of ID and SSN, and copies of my communications with Experian to show that I complied with all legal requirements.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Last XXXX of XXXX : XXXX Date : XX/XX/year> Company Complained About : TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint Summary : I am filing this formal complaint against TransUnion, XXXX for willful violations of the Fair Credit Reporting Act ( FCRA ) and failure to conduct a legally compliant reinvestigation of a disputed account. Specifically, I am disputing a false late payment being reported on my XXXX XXXX XXXX XXXX credit card account ending in XXXX. 

Despite multiple disputes, TransUnion has failed to : Provide the Method of Verification ( MOV ) under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) Provide complete details of the investigation Provide copies of all documents used to verify this late payment Ensure maximum possible accuracy under FCRA XXXX ( b ) This alleged late payment is completely inaccurate and has caused me serious financial and emotional harm. I have never been late on this XXXX XXXX account. TransUnion has failed to provide any documentation or proof that I was ever lateonly returning a generic verified as accurate response without explanation or evidence. 

I am demanding that the CFPB compel TransUnion to : Permanently delete and block the inaccurate late payment Update the account to Paid as agreed Never late Restore the account to current and positive standing with no late notations Additionally, TransUnion has failed to comply with its legal obligation to conduct a meaningful and lawful reinvestigation of my dispute. 



Legal Violations Committed by TransUnion : FCRA XXXX ( a ) : Failure to conduct a reasonable reinvestigation FCRA XXXX ( a ) ( XXXX ) : Failure to provide the method of verification FCRA XXXX ( b ) : Failure to ensure maximum possible accuracy FCRA XXXX ( b ) : Failure to properly respond to disputes forwarded by data furnishers FCRA XXXX : Failure to provide documentation used to verify information Important Note for Human Review : This dispute contains material that can not be adequately reduced to standard e-OSCAR codes. This dispute must be reviewed by a live human XXXX for full legal compliance under FCRA XXXX and XXXX ( b ). 



Relief Requested : Permanent deletion of the late payment from the XXXX XXXX XXXX XXXX account ending in XXXX Immediate update of the account status to : Paid as agreed Never late Correction of all credit file entries related to this error Production of documentation and method of verification used in prior investigations If TransUnion can not provide the above documentation and proof of accuracy, this late payment must be deleted permanently in accordance with the 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 2025-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
Misleading Ad by Dave Operating LLC approve up {$500.00} cash. 
But it only approved {$25.00} just to link to my bank account while requiring personal data such as photos/selfies, back/front driver 's license, SS no.and then charge monthly membership fee from my bank account and only offered to possibly increase credit to {$50.00} if I use the {$25.00} and make payments on it. The Dave Operating Bank App charges additional fees with each use. 
The Owner is from XXXX, and uses the {$500.00} instant approval AD as a ploy while collecting all this personal data on Americans to only approve a miniscule amount in order to have access to people 's personal bank accounts so as to charge fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am writing to formally dispute this charge off reporting to my credit report, this charge off by XXXX is being reported to Transunion and I believe that this entry is inaccurate the charge off in question is identified as a charge off, but I do not believe the creditor has followed the legal requirements to report it as such according to FCRA and related laws.Legal basis for dispute under 15 U.S CODE 1681a ( 2 ) the term consumer report does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 disputing inaccurate information on my credit report. I was a victim of identity theft and unauthorized activity due to my account being hacked. As a result, certain accounts or inquiries may appear that I did not open or authorize. These do not belong to me and are harming my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate and fraudulent items be thoroughly investigated and removed immediately. Please update my credit file to reflect only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Credit cards Bank accounts Loans were open using my ID my wallet was lost a few years with my ss card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I spoke with the Department of Education ( XXXX ) they shared that Nelnet was responsible for closing my XXXX XXXX XXXX XXXX XXXX XXXX application. They requested that I reach out to Nelnet for further information. Nelnet states they are unable to provide any information directly to XXXX. More recently, XXXX has recognized and acknowledged my XX/XX/XXXX XXXX  approval. In fact, they shared that XXXX gave them approval to discharge on XX/XX/XXXX. I want to know why Nelnet has not proceed with my discharge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: OH

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
> " I did not authorize this hard inquiry on my credit report. Under the Fair Credit Reporting Act ( FCRA ), any inquiry made without my explicit permission is considered unauthorized. I am requesting that this inquiry be investigated and permanently removed from my credit file as it was not initiated or approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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