vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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 reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

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 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Union ( NFCU ) withdrew {$1100.00} from my XXXX XXXX account without my authorization to satisfy a debt owed solely by my husband under his separate XXXX XXXX access number and member account. 



The XXXX  debt does not belong to me, and I am not a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  card or loan in question. These debts are not connected to my online account profile or to any loan documents I have signed. My husband merely shares XXXX ownership of the account that the funds were taken from. 



NFCU took the full balance of the account, leaving it negative, even though a substantial portion of the funds in that account were deposited and owned by me, not my husband. This was done without warning, without my consent, and without documentation explaining the legal authority to do so. 



When I contacted XXXX XXXX about this issue, a XXXX told me they couldnt help me, and then abruptly hung up on the call. This is not only unprofessional but left me without any means to resolve this critical financial violation. 



This action by NFCU appears to be : A violation of banking practices concerning joint accounts. 
A misuse of right of offset against a non-debtor party. 
A denial of due process and failure to provide proper notice. 
Potentially a breach of contract and unauthorized access to consumer funds. 




I am requesting : An immediate and full investigation. 
A refund of the full amount of {$1100.00}. 
Disciplinary or regulatory action if XXXX XXXX is found to have violated consumer protection laws or CFPB regulations. 




This XXXX of my personal funds has caused me XXXX XXXX, overdraft charges, and financial XXXX. I need the CFPBs help to hold XXXX XXXX accountable for their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MO

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : 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 XXXXXXXX MO XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$1000.00}

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 2025-05-28 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: MO

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their blocking and deletion within 4 days : 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 XXXXXXXX MO XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AL

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by TransUnion, and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

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 2025-05-28 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still XXXX payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According XXXX XXXX Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained XXXX  of my character, just to name a couple XXXX should this matter escalate to court. XXXX XXXX XXXX XXXX - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have received 3 letters in the mail from Chase stating that I have attempted to open a new credit card. The first letter I contacted Chase and went in to speak with someone at their office ( this occurred in XXXX of XXXX ). They suggested I file for identity fraud, which I did and then freeze my credit reports. I did all of that. Then I received another later dated XX/XX/XXXX. The third letter I received from chase was dated XX/XX/XXXX and another credit card was trying to be opened under my name, I called Chase on XX/XX/XXXX and they canceled the application, but said they were unable to give me any further information. I have 2 out of the 3 letters available and will attach them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
On XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes. 
Section XXXX ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX  data breach and they have got into the hands of the wrong person.

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 2025-05-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
While applying for a mortgage I learned that Bank of America has not been reporting to any of the credit bureaus, as required by law under the Fair Credit Reporting Act. 
As a result my XXXX XXXX is too XXXX for a mortgage. I have XXXX years of credit with Bank of America XXXX have never had a late payment and pay off my bill in full every month. On XX/XX/XXXX, I spoke to the Branch XXXX of the XXXX location, XXXX XXXX, who was delightful and made every attempt to get this resolved, including spending XXXX hours on the phone with the Bank of America XXXX XXXX. She ended up speaking to a XXXX, XXXX, who although he promised to fax a letter to the branch and mail XXXX to me, that I am in good standing with my account, by XX/XX/XXXX he had still not sent it to either of us. 
I will need for my credit information to be reported to ALL THREE agencies as soon as possible. 
I spoke to a XXXX XXXX of another bank who has XXXX years of experience in the mortgage/financial field who said that Bank of America XXXX XXXX to quickly resolve this issue if they so choose. The XXXX days that they are allowed is not acceptable because it will cause me to XXXX the house that I have a purchase contract for. I have retained a lawyer for the closing of the house and if Bank of America 's mistake causes me to lose the house, I will have the lawyer pursue legal action against Bank of America instead.

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 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is another follow up I apologize in advanced if I seem pestering but, on XX/XX/year>, I received a formal letter from Bank of America confirming that they had submitted my fraud claim to the merchants bank XXXX XXXX ) and were waiting on their response. The letter clearly stated that the merchant had up to XXXX days to reply. 

However, my claim was denied just XXXX  days later, on XXXX XXXX before the XXXX window expired. That decision directly contradicts the investigation process BoA documented in writing. 

Furthermore, I was told by the police XXXX who took my fraud report that Bank of America would not have escalated the case or submitted it to the merchant unless I had filed an official police report. This confirms that BoA did initially view my case as legitimate and serious. 

For BoA to now claim my evidence was insufficient after having : Submitted the case to Remitly Accepted and logged a police report Escalated it to XXXX and law enforcement And issued a denial letter that ignored the documentation entirely proves that the decision was not based on evidence, but on an internal desire to close the case regardless of merit.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest financial services appears on my credit even after years of my insurance company paying of the loan due to total loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: MT

Complaint narrative:
I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX # XXXX XX/XX/year> -- {$45000.00} XXXX XXXX XXXX # XXXX XX/XX/year> -- {$28000.00} XXXX # XXXX XX/XX/year> -- {$1300.00}

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 non-monetary relief
Consumer complaint received 2025-05-28 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:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act the following accounts has violated my rights : These accounts have been paid, but their account status and payment status are incorrect. 

XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX TransUnion/ Experian / Equifax XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  TransUnion/ Experian / Equifax XXXX Account Number : XXXX XXXX XXXX XXXX * TransUnion

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report under FCRA Dear XXXX, I am writing to formally dispute inaccurate and incomplete information that appears on my credit report. The disputed accounts are negatively affecting my credit standing, and I request immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
Disputed Account Information : 1. Creditor : XXXX XXXX XXXX  ( Collection Account ) o Account Type : Collection o Reported by XXXX  and XXXX  o Balance : {$610.00} o High Credit : {$530.00} o Date Opened : XXXX  - XX/XX/XXXX | XXXX  - XX/XX/XXXX o Status : XXXX : Collection/Charge off " Account information disputed by consumer, meets FCRA requirements '' XXXX  : " Customer disputed account Reported by subscriber '' Reason for Dispute : The information reported is inaccurate/incomplete and misleading. Specifically : There are inconsistencies in the dates and amounts reported between bureaus. 
The account has been marked as disputed but continues to appear as a derogatory item. 
The balance appears to exceed the high credit limit, which is not logically possible. 
I am requesting that this account be verified for accuracy or removed entirely from my credit report if the information can not be substantiated. 
Please conduct a thorough investigation and provide a written response with the results of your findings. If the information is found to be inaccurate, please remove or correct the entry and send me a copy of my updated credit report. 
Enclosed are copies of my ID and any relevant documentation to assist in your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am included in XXXX data breach and have requested with signed documentation with validation of request received from COLLECTION COMPANY RESURGENT/LVNV TO VALIDATE the signature that I have agreed to pay the above collection company? They have obtained my personal information illegally and have not received any information validating my request I have numerous requests since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: TX

Complaint narrative:
Im reaching out because there is incorrect information showing up on my credit report, and I need it addressed immediately. 

This item is flat-out wrong, and it should have never been reported in the first place. I take my credit seriously, and I dont have the time or patience for careless mistakesespecially when they directly impact my financial well-being.

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