vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NY

Complaint narrative:
Please remove hard inquiry I do not know where is come from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied for Capital One credit card, i wanted to add authorized user on the account but they never posted that they will need social security and state ID from user.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal is refusing to acknowledge and release my remaining balance in my personal checking account of XXXX XXXX I entered the bank XX/XX/year> XXXX the bank teller acknowledged my balance but said she was unable to close my checking she could only assist with my savings account and handed me XXXX $ remaining from that account and told me to contact customer service to release the funds from my checking account. Confused and concerned I quickly call customer service and see where my funds are. They tell me all my accounts are closed and that I have no remaining balance. I requested documentation of where my funds have gone because my current bank statements show something different and they refused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I am disputing a XXXXday late payment reported by XXXX XXXX to TransUnion and XXXX. I requested documentation to verify this information, including billing statements, payment history, and proof of timely delinquency notifications. The company failed to provide any billing statements or mailed notices, and instead only referenced internal summaries and email timestamps. 

I also requested a notarized compliance statement confirming accurate recordkeeping, which was not provided. Under the Fair Credit Reporting Act ( FCRA ), furnishers must verify that all reported information is accurate and complete XXXX XXXX  did not do so. 

Additionally, this same account is reporting with XXXX late payments to XXXX, which creates an inconsistency between credit bureaus. This violates the FCRA 's requirement for consistent and accurate reporting across agencies. 

Due to the lack of proper verification and inconsistent reporting, I am requesting that the XXXX-day late payment entry be removed from all credit bureaus.

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 2025-05-02 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:
I am disputing a XXXXday late payment reported by XXXX XXXX to XXXX and Experian. I requested documentation to verify this information, including billing statements, payment history, and proof of timely delinquency notifications. The company failed to provide any billing statements or mailed notices, and instead only referenced internal summaries and email timestamps. 

I also requested a notarized compliance statement confirming accurate recordkeeping, which was not provided. Under the Fair Credit Reporting Act ( FCRA ), furnishers must verify that all reported information is accurate and complete XXXX XXXX did not do so. 

Additionally, this same account is reporting with XXXX late payments to XXXX, which creates an inconsistency between credit bureaus. This violates the FCRA 's requirement for consistent and accurate reporting across agencies. 

Due to the lack of proper verification and inconsistent reporting, I am requesting that the XXXXday late payment entry be removed from all credit bureaus.

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 2025-05-03 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: SC

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies for their repeated failure to process and investigate the disputes I have submitted over the past four months, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. Since XXXX, I have mailed multiple dispute letters to the credit bureaus regarding inaccurate and unverifiable information appearing on my credit report. Information such as personal information ( addresses and employment ) and a numerous amount of account are unverifiable. Despite providing all required identification and supporting documentation, I have not received a proper response. Instead, the credit bureaus have falsely claimed that the disputes were submitted by a third party and have therefore refused to process them. Let me be absolutely clear : every letter submitted was prepared and mailed by me personally, the rightful and verified owner of the credit file in question. No third party or credit repair organization has been used. These dismissals are not only unfounded, but they also constitute a willful failure to comply with FCRA obligations, which mandate that credit bureaus must investigate disputes initiated by consumers and correct or delete inaccurate or unverifiable information. As a result of their inaction, inaccurate and damaging information remains on my credit report, negatively impacting my ability to secure housinga basic and critical need, as I intend to apply for a mortgage this year. The continued reporting of false information constitutes harm and ongoing financial injury. I am demanding immediate investigation and removal of the accounts and items listed in my dispute letters due to their inaccurate reporting. Under the FCRA, I have the legal right to a credit report that is 100 % accurate and the right to challenge and remove any information that is incorrect, outdated, or unverifiable. If the credit bureaus continue to ignore my dispute letters or fail to take corrective action, Under FCRA 616 and 617 I have the right to sue. I am prepared to pursue legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ), state attorney generals office, and pursuing a private right of action under the FCRA, which provides for statutory damages, attorneys fees, and punitive damages in cases of willful noncompliance. I respectfully request the CFPB 's urgent assistance in ensuring that the credit reporting agencies fulfill their legal obligations under the FCRA and process my disputes properly and without further delay.

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 2025-05-03 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: SC

Complaint narrative:
I am writing to formally file a complaint against the credit reporting agencies for their repeated failure to process and investigate the disputes I have submitted over the past four months, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i. Since XXXX, I have mailed multiple dispute letters to the credit bureaus regarding inaccurate and unverifiable information appearing on my credit report. Information such as personal information ( addresses and employment ) and a numerous amount of account are unverifiable. Despite providing all required identification and supporting documentation, I have not received a proper response. Instead, the credit bureaus have falsely claimed that the disputes were submitted by a third party and have therefore refused to process them. Let me be absolutely clear : every letter submitted was prepared and mailed by me personally, the rightful and verified owner of the credit file in question. No third party or credit repair organization has been used. These dismissals are not only unfounded, but they also constitute a willful failure to comply with FCRA obligations, which mandate that credit bureaus must investigate disputes initiated by consumers and correct or delete inaccurate or unverifiable information. As a result of their inaction, inaccurate and damaging information remains on my credit report, negatively impacting my ability to secure housinga basic and critical need, as I intend to apply for a mortgage this year. The continued reporting of false information constitutes harm and ongoing financial injury. I am demanding immediate investigation and removal of the accounts and items listed in my dispute letters due to their inaccurate reporting. Under the FCRA, I have the legal right to a credit report that is 100 % accurate and the right to challenge and remove any information that is incorrect, outdated, or unverifiable. If the credit bureaus continue to ignore my dispute letters or fail to take corrective action, Under FCRA 616 and 617 I have the right to sue. I am prepared to pursue legal remedies, including filing a complaint with the Federal Trade Commission ( FTC ), state attorney generals office, and pursuing a private right of action under the FCRA, which provides for statutory damages, attorneys fees, and punitive damages in cases of willful noncompliance. I respectfully request the CFPB 's urgent assistance in ensuring that the credit reporting agencies fulfill their legal obligations under the FCRA and process my disputes properly and without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I am A Victim of identity theft, I demand Credit bureau Experian, Transunion XXXX to DELETE inaccurate accounts not mine. I have filed a report with FTC.

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 2025-05-02 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: NY

Complaint narrative:
Fraudulent charge-off reporting American Express claimed a tax benefit under XXXX XXXX CXXXXe XXXX without issuing the required Form XXXX for cancellation of debtpotentially amounting to tax fraud.Securitization without disclosure : American Express sold the account into the American Express XXXX XXXX , profiting from it multiple times via securitization, and failing to disclose this under XXXX and XXXX XXXX XXXX which would invalidate their continued right to collect or report the XXXX. FCRA and XXXX violations : Citing 15 U.S.C. XXXX ( FCRA ) and 15 U.S.C. XXXX & XXXX ( b ) ( XXXX  ) for failing to report positive payment history and improperly marking the account late without sending a XXXXday notice, as legally required.or ever providing proof of this XXXX  day notice. I have sent payments to XXXX XXXX OF AMERICAN EXPRESS TRACKING NUMBER XXXX, XXXXXXXX XXXX ACCORDING TO SEC FILINGS STILL NOT HONORED.Nor has account status changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and removal of fraudulent information from my credit report, as I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605C and guidance from the Consumer Financial Protection Bureau ( CFPB ). The FTC verifies that I have been a victim of identity theft, and the information reflected on my credit report is not the result of any action taken by me. 

A copy of a government-issued ID A copy of a police report or FTC Identity Theft Report ( if applicable ) A detailed list of the accounts and information I am requesting to be blocked and removed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-02 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under 15 USC XXXX ( C ) ( XXXX ) I am writing to formally dispute certain negative items that appear on my credit report in accordance with the Fair Credit Reporting Act, specifically under 15 USC XXXX ( C ) ( XXXX ). My credit report indicates the following negative items, which I believe are inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( listed XXXX  ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, I have the right to dispute information that I believe is inaccurate or incomplete. I request that you investigate these accounts, as I do not recognize these items or believe they accurately reflect my credit history. 

Please provide me with the necessary documentation to substantiate the accuracy of these entries. I request that you update my credit report to reflect any corrections resulting from your investigation, as required under the FCRA. 



Thank you for your prompt attention to this matter. Please let me know the outcome of your investigation at your earliest convenience.

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 2025-05-02 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under 15 USC XXXX ( C ) ( XXXX ) I am writing to formally dispute certain negative items that appear on my credit report in accordance with the Fair Credit Reporting Act, specifically under 15 USC XXXX ( C ) ( XXXX ). My credit report indicates the following negative items, which I believe are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( listed XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act, I have the right to dispute information that I believe is inaccurate or incomplete. I request that you investigate these accounts, as I do not recognize these items or believe they accurately reflect my credit history. 

Please provide me with the necessary documentation to substantiate the accuracy of these entries. I request that you update my credit report to reflect any corrections resulting from your investigation, as required under the FCRA. 



Thank you for your prompt attention to this matter. Please let me know the outcome of your investigation at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under 15 USC XXXX ( C ) ( XXXX ) I am writing to formally dispute certain negative items that appear on my credit report in accordance with the Fair Credit Reporting Act, specifically under 15 USC XXXX ( C ) ( XXXX ). My credit report indicates the following negative items, which I believe are inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX ( listed XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, I have the right to dispute information that I believe is inaccurate or incomplete. I request that you investigate these accounts, as I do not recognize these items or believe they accurately reflect my credit history. 

Please provide me with the necessary documentation to substantiate the accuracy of these entries. I request that you update my credit report to reflect any corrections resulting from your investigation, as required under the FCRA. 



Thank you for your prompt attention to this matter. Please let me know the outcome of your investigation at your earliest convenience.

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 2025-05-02 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: GA

Complaint narrative:
I am filing a complain with Experian for inaccurate reporting on an auto loan account XXXX XXXX. Despite my formal dispute the account to show an incorrect " Charge- off '' ( XXXX ) status for multiple months from XXXX to XXXX which is misleading and violates the Fair Credit Reporting Act. Additionally the report includes inaccurate late payments from XXXX without a clear or legally complaint timeline for the charge-off.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am filing a complain with XXXX for inaccurate reporting on an auto loan account Exeter Finance. Despite my formal dispute the account to show an incorrect " Charge- off '' ( XXXX ) status for multiple months from XXXX to XXXX which is misleading and violates the Fair Credit Reporting Act. Additionally the report includes inaccurate late payments from XXXX without a clear or legally complaint timeline for the charge-off.

Company response to consumer: Closed with explanation