vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union is reporting a settled credit card charge-off inaccurately on my credit reports, and is in violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the account details : Creditor : Navy Federal Credit Union Account Type : Credit Card Account Number ( Last XXXX digits ) : XXXX Date of First Delinquency : XX/XX/year> ( again in XX/XX/year> ) Charge-Off Date : XX/XX/year> Settlement Date : XX/XX/year> Settlement Amount Paid : {$2400.00} Original Balance : {$6200.00} Bureaus Reporting Inaccurately : XXXX XXXX XXXX Even XXXX this account was settled in XX/XX/year>, XXXX XXXX XXXX XXXX report a past due balance of {$5900.00} which is false and misleading. The account is also showing inconsistent information across the credit bureaus, which violates the requirement for maximum possible accuracy under FCRA 1681e ( b ).

I disputed this directly with the credit bureaus, but the issue was not corrected. This constitutes a failure to conduct a reasonable reinvestigation under FCRA 1681i ( a ).

Furthermore, under FCRA 623 ( a ) ( 2 ), furnishers are required to promptly update and correct any information they report to consumer reporting agencies. XXXX XXXX has failed to update the status of the account to reflect that it was settled and no longer past due. It also fails to report a XXXX balance, even though there is no remaining debt. 

These reporting practices are causing continued and unjustified harm to my credit profile and creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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 2025-07-20 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charge-Off Reporting XXXX  XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to formally dispute the reporting of a charge-off account from XXXX XXXX XXXX XXXX XXXX XXXXhat is inaccurately listed on my credit report. 

Disputed Information : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX ) : XXXX Reported Balance : {$4300.00} ( Past Due ) Charge-Off Date : XX/XX/XXXX Settlement Date : XX/XX/XXXX Amount Paid : {$3900.00} This account was settled in full for less than the full balance on XX/XX/XXXX, and XXXX XXXX accepted the settlement. However, your report still reflects a past due balance of {$4300.00}, which is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy.

Additionally, I previously disputed this account, and you failed to correct or remove the incorrect information. This constitutes a violation of FCRA 1681i ( a ), which requires you to reinvestigate and update any disputed data within 30 days.

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 2025-07-20 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Charge-Off Reporting XXXX  XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom It May Concern : I am writing to formally dispute the reporting of a charge-off account from XXXX XXXX XXXX XXXX XXXX that is inaccurately listed on my credit report. 

Disputed Information : Creditor : XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX ) : XXXX Reported Balance : {$4300.00} ( Past Due ) Charge-Off Date : XX/XX/XXXX Settlement Date : XX/XX/XXXX Amount Paid : {$3900.00} This account was settled in full for less than the full balance on XX/XX/XXXX, and XXXX XXXX accepted the settlement. However, your report still reflects a past due balance of {$4300.00}, which is misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to ensure maximum possible accuracy. 

Additionally, I previously disputed this account, and you failed to correct or remove the incorrect information. This constitutes a violation of FCRA 1681i ( a ), which requires you to reinvestigate and update any disputed data within 30 days.

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 2025-07-20 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding a fraudulent and unauthorized collection account from XXXX XXXX XXXX XXXX that is currently reporting on my TransUnion credit report. I did not open or authorize any account with XXXX XXXX, and I have no agreement or contract with them. 

I received a mailed collection notice but did not respond because the account is not mine. I later discovered it had been reported to TransUnion, which is damaging my credit. 
I filed an FTC Identity Theft Report, completed IRS Form 14039, and sent a formal dispute to TransUnion and XXXX XXXX XXXX XXXX demanding immediate deletion under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block identity theft-related data FCRA 607 ( b ) Accurate reporting requirements FCRA 611 ( a ) Right to dispute inaccurate/incomplete items FCRA 1681i ( a ) ( 5 ) ( A ) Unverified items must be deleted 15 U.S. Code 1681c-3 Protection against reporting identity theft data I also cited the doctrine of estoppel by silence ( XXXX XXXX XXXX, Mo XXXX XXXX XXXX XXXX XXXX XXXX, as they have failed to provide any legally binding proof or contract. 
The XXXX XXXX XXXX XXXX account is also involved in litigation and should not be allowed to remain on my file while unresolved. I have found discrepancies across multiple reports, which constitutes a XXXX XXXX violation and further justifies removal under the FCRA. 

I request that the CFPB step in to enforce my rights and ensure that : The XXXX XXXX XXXX XXXX account is permanently removed from my credit report No stall tactics are used in response to this complaint TransUnion and XXXX XXXX XXXX XXXX are held accountable for reporting unauthorized and inaccurate data

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 2025-07-20 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am filing this complaint regarding a fraudulent and unauthorized collection account from XXXX XXXX XXXX XXXX that is currently reporting on my TransUnion credit report. I did not open or authorize any account with XXXX XXXX, and I have no agreement or contract with them. 

I received a mailed collection notice but did not respond because the account is not mine. I later discovered it had been reported to TransUnion, which is damaging my credit. 
I filed an FTC Identity Theft Report, completed IRS Form 14039, and sent a formal dispute to TransUnion and XXXX XXXX XXXX XXXX demanding immediate deletion under : FCRA 605B ( 15 U.S.C. 1681c-2 ) Block identity theft-related data FCRA 607 ( b ) Accurate reporting requirements FCRA 611 ( a ) Right to dispute inaccurate/incomplete items FCRA 1681i ( a ) ( 5 ) ( A ) Unverified items must be deleted 15 U.S. Code 1681c-3 Protection against reporting identity theft data I also cited the doctrine of estoppel by silence ( XXXX XXXX XXXX, Mo XXXX XXXX XXXX XXXX XXXX XXXX, as they have failed to provide any legally binding proof or contract. 
The XXXX XXXX XXXX XXXX account is also involved in litigation and should not be allowed to remain on my file while unresolved. I have found discrepancies across multiple reports, which constitutes a XXXX XXXX violation and further justifies removal under the FCRA. 

I request that the CFPB step in to enforce my rights and ensure that : The XXXX XXXX XXXX XXXX account is permanently removed from my credit report No stall tactics are used in response to this complaint TransUnion and XXXX XXXX XXXX XXXX are held accountable for reporting unauthorized and inaccurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I mailed this letter to Experian Equifax and Trans Union and they have not updated my personal information I am writing to update/correct my personal information on file with your company. 

Please update my address to : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX City, XXXX, Zip : XXXX, TX XXXX Please remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 
Please remove all phone numbers. They do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: Radius Global Solutions LLC
State: GA

Complaint narrative:
i looked on my credit report and seen a inquary what was the purpose of the pull on my report and send me all the information you have on the credit pull

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
It was with XXXX services through a XXXX party being sold at XXXX. I can't remember the date. But the XXXX employee mislead me and said I would only be paying a certain amount a month. I believe it was around XXXX $ and when the bill came, it was an exceeding amount way over what I can afford. I called XXXX and they wouldn't allow me to return the phones without a hefty price, again I said please I don't make a lot of money and our family is on a fixed income. I explained to the XXXX provider that these were sold to me under false pretenses and I wouldn't have don't this deal if I new the cell bill was going to be so high. The XXXX employee had also said I can unlock them in a month and pay as I go, that was my plan. But when XXXX bill came in and I had spoke to XXXX  customer service that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: FL

Complaint narrative:
I started a dispute XX/XX/XXXX, Trans union sent me a stall letter XX/XX/XXXX. I contacted trans union XX/XX/XXXX is when I seen letter. Upon being on the phone trans union told me that they were not investigating the report until this date of today XX/XX/XXXX a that it will take another XXXX  days for full investigation to proceed to lenders. Disregarding the fact the dispute initiated starting date was XX/XX/XXXX, which will result in XXXX  months of waiting time. I did inform trans union them that I did not recognize Recognize XXXX  on my credit report a that it need to be removed because I am a victim to identity theft which they received the proper documentation to further there investigation timely without prolonging my time.

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 2025-07-21 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: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion is reporting Unauthorized Hard inquiries in which i am disputing such as XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX, coaf XX/XX/XXXX. Under the fair credit reporting act, section XXXX ( XXXX usc XXXX ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report, Incorrect XXXX XXXX av XXXX nj XXXX XXXX XXXX XXXX va XXXX XXXX Incorrect Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX Date Of XXXX Experian is reporting Unauthorized Hard Inquiries in which i am disputing such as XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report, Incorrect XXXX XXXX XXXX XXXX nj XXXX XXXX east XXXX XXXX XXXX nj XXXX, Incorrect Employment Info : XXXX XXXX XXXX XXXX XXXX XXXX Date Of XXXX EquifaxHard inquiries in which i am disputing such as XXXX XXXX XXXX XX/XX/XXXX Under the fair credit reporting act, section 611 ( 15 usc 1681i ) unverified inquiries must be removed. Please invesitgate and remove any unverifiable inquiries. Please also remove the incorrect personal information below you have listed on my credit report Incorrect Names : XXXX XXXX, Incorrect XXXX XXXX XXXX XXXX nj XXXX, Incorrect Employment Info : XXXX XXXX XXXX XXXX, XXXXXXXX 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 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Date : XX/XX/XXXX XXXXXXXX  Consumer : XXXX XXXX Debt Collector : XXXX XXXX XXXX XXXX I am filing a formal complaint against Debt Collection Agency Name regarding an alleged debt they are attempting to collect, which I believe to be inaccurate, unverified, or not legally owed. 

This debt is currently being reported on my credit report and I have not received any proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. The company has not provided proof that I owe this debt, including : - A copy of the original signed agreement bearing my signature, - Itemized statements or payment breakdowns, - Legal proof of ownership and liability, - Evidence that they are authorized to collect this debt.

Despite my rights under the FDCPA, they continue to report this alleged debt without resolving my dispute. If they are already reporting the debt, they are also required to mark it as disputed under 15 U.S. Code 1692e ( 8 ) which I believe they have failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MI

Complaint narrative:
I am filing this formal complaint against TransUnion for its ongoing and unlawful reporting of inaccurate, false, and defamatory information on my consumer credit report. After thoroughly reviewing my file, I identified numerous accounts, inquiries, and personal identifiers that are either obsolete, unverifiable, unauthorized, or materially incorrectand yet TransUnion continues to report them as accurate. On XX/XX/XXXX, I submitted a detailed written dispute directly to TransUnion, identifying accounts reported without my consent, inquiries never initiated by me, outdated personal details, and educational records released in violation of my privacy rights. To date, TransUnion has failed to correct or delete these items, creating serious harm to my financial reputation, creditworthiness, and ability to obtain fair credit. The information being reported includes accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and othersall of which either contain charge-offs, false late payments, duplicative listings, or unresolved dispute history. Additionally, TransUnion is reporting multiple unauthorized hard inquiries and has disseminated student loan records without my written consent, which is a direct violation of my privacy under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974 ( 5 U.S.C. 552a ). This data breach and failure to maintain integrity in reporting are also in violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681b ( no permissible purpose for access ), 1681e ( failure to maintain accuracy and reasonable procedures ), and 1681i ( failure to reinvestigate disputed information ). Despite the clear and actionable request to delete unverifiable information and cease the unlawful dissemination of my personal data, TransUnion has not provided proof of proper reinvestigation, documentation from data furnishers, or a corrected version of my report. This continued reporting of false and damaging information is not only negligentit is defaming, reckless, and unlawful. The harm this has caused extends beyond inconvenience and includes real financial damages and reputational harm. I am demanding immediate and full removal of the disputed items, and if TransUnion does not comply within the legally mandated timeframe, I will escalate this matter through the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and seek relief through civil litigation for willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2025-07-20 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I wanted to inform you that I've recently faced a data breach that has compromised my personal information. This incident has caused me significant worry regarding the security of my sensitive data. Due to the breach, there are now fraudulent accounts and debts associated with my name. I would appreciate it if you could consider this when examining my credit report and take appropriate actions to correct any inaccuracies or fraudulent entries.

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