vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Equifax for their failure to correct inaccurate personal information on my credit report, despite multiple dispute submissions and valid proof of identity. On XX/XX/year>, I formally disputed the listing of incorrect address that is not part of my residence history : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I provided supporting documents including my government-issued ID, Social Security card , and utility bill to verify my correct and current address at XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX Equifax has failed to delete the inaccurate addresses within the 30-day investigation period as required under FCRA 611 ( 15 U.S.C. 1681i ). This delay and inaction demonstrate noncompliance with federal law and have caused unnecessary distress and potential confusion regarding my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: GA

Complaint narrative:
I woke up this morning and saw that unauthorized inquiries are still appearing on my credit report, and I honestly do not understand why. The inquiries have not been removed at all even after I refreshed my browser, which is very upsetting. Please check the documents I sent right away so I can finally stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The international bank transfer was initiated on XX/XX/XXXX for XXXX {$22000.00} from our checking account at NFCU ( XXXX XXXX XXXX ) to a relative 's bank account at XXXX XXXX XXXX de XXXX ). We were charged approximately XXXX {$2000.00} for the transaction due to fees and currency exchange. XXXX XXXX acted as the intermediary bank. 

On XX/XX/XXXX, NFCU called us to inform us that the recipient 's tax identification number did not match their records. We corrected the information on XX/XX/XXXX in person at the NFCU branch where the transaction originated. After waiting an additional 10 business days, neither NFCU nor XXXX ( XXXX ) knew the whereabouts of the money. XXXX XXXX refused to provide us with any information because we did not initiate the transaction directly with them. We requested that NFCU inquire with XXXX XXXX on our behalf, but they did nothing. 

The transaction is in legal limbo, and no one is taking responsibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting an update regarding my ongoing dispute with TransUnion. The company posted an interim response on XX/XX/year> stating only that it is still working on my issue and may need up to XXXX  days. This is not a formal FCRA extension notice and does not meet the requirements of FCRA 611 ( a ) ( 1 ) ( A ).

TransUnion has now exceeded the standard 30-day reinvestigation period and has not provided any : Verification documents Method of verification Identity correction Source documentation from furnishers Explanation for continued inaccurate reporting Manual reinvestigation Evidence that a human review was performed My XXXX  report dated XX/XX/year> still displays : Incorrect personal information ( misspelled name ) An unauthorized XXXX inquiry Multiple XXXX  XXXX accounts with unverifiable or inconsistent reporting A potential mixed-file account Previously in disputenow resolved notations without validation Because TransUnion has not complied with its obligations under FCRA 611 ( a ), 607 ( b ), and 611 ( a ) ( 2 ) ( B ), I have filed additional escalations with : FBI IC3 United States DOJ Consumer Protection Florida Attorney General Florida Department of Agriculture & Consumer Services I respectfully request CFPB supervisor escalation, as XXXX  has exceeded the legal timeline and continues to report inaccurate information without providing verification. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am submitting this complaints to formally dispute certain items listed on my credit report. As I review the entries, I have come to the realization that some of the information reported is either outdated, inaccurate, or not reflective of my current financial standing. I ask for your prompt attention and correction of these matters in compliance with the Fair Credit Reporting Act ( FCRA ), particularly in relation to the sections mentioned below. 
First, I would like to address the late close item listed under XXXXXXXX XXXX XXXX. This account reflects a {$0.00} balance, which, based on the circumstances, should not have been reported with a late payment status or as closed. According to FCRA 605 ( a ) ( 15 U.S. Code 1681c ), information that is obsolete or no longer applicable should not be reported. I request that this be removed from my credit report, as it no longer accurately reflects my financial history. 
Additionally, there are a few accounts listed that have been charged off, including XXXX XXXX XXXX with a balance of {$2200.00} and XXXX XXXX with a balance of {$11000.00}. These accounts are now showing as charged off but were issued a 1099-C form under the provisions of the FCRA 605 ( b ), which mandates that charged-off accounts with a balance of {$600.00} or more be reported appropriately. I ask that these entries be reviewed and removed as per the proper reporting standards outlined in the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: IL

Complaint narrative:
I am submitting this complaints to formally dispute certain items listed on my credit report. As I review the entries, I have come to the realization that some of the information reported is either outdated, inaccurate, or not reflective of my current financial standing. I ask for your prompt attention and correction of these matters in compliance with the Fair Credit Reporting Act ( FCRA ), particularly in relation to the sections mentioned below. 
First, I would like to address the late close item listed under XXXXXXXX XXXX XXXX. This account reflects a {$0.00} balance, which, based on the circumstances, should not have been reported with a late payment status or as closed. According to FCRA 605 ( a ) ( 15 U.S. Code 1681c ), information that is obsolete or no longer applicable should not be reported. I request that this be removed from my credit report, as it no longer accurately reflects my financial history. 
Additionally, there are a few accounts listed that have been charged off, including XXXX XXXX XXXX with a balance of {$2200.00} and XXXX XXXX with a balance of {$11000.00}. These accounts are now showing as charged off but were issued a 1099-C form under the provisions of the FCRA 605 ( b ), which mandates that charged-off accounts with a balance of {$600.00} or more be reported appropriately. I ask that these entries be reviewed and removed as per the proper reporting standards outlined in the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding Wells Fargo Dispute Case # XXXX. On XX/XX/XXXX, an unauthorized debit to my account in the amount of {$21000.00} was made from my account. I reported this transaction to Wells Fargo as fraud, but the bank denied my dispute without performing a complete or reasonable investigation. 

Wells Fargo did not provide me with any documentation, verification, or evidence supporting their decision. I was not shown any fraud analysis or proof that I authorized this transaction. Under Regulation E ( Electronic Fund Transfer Act ), the bank is required to conduct a good-faith investigation when fraud is reported. That did not happen. 

In addition, after I reported the fraud, Wells Fargo froze my account, restricting me from future use. This was done without explanation and felt retaliatory, effectively punishing me for reporting fraud. This action has caused financial hardship and has further prevented me from accessing and managing my funds. 

I am requesting : 1. A full re-investigation of Dispute Case # XXXX. 
2. Copies of all documents, account records, and evidence used in denying my claim. 
3. Immediate provisional credit of the {$21000.00} while the dispute is re-investigated, as required under Regulation E.

4. Immediate removal of the freeze on my account so I can access my funds.

I am the victim of an unauthorized transaction and should not be held financially responsible, nor should my access to banking services be restricted as a result of reporting fraud. I am requesting CFPB assistance to ensure Wells Fargo complies with federal law and restores my access and funds.

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 monetary relief
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I filed the complaint about these accounts that our on my credit report. I told them that these are not my account and I am a victim of identity thief. I have attached the police report and the FTC report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 XXXX 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 if 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 2025-11-07 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
On [ XX/XX/year>XXXX  ], I discovered a hard inquiry from [ XXXX XXXX XXXX ] on my credit report. I did not apply for credit or authorize this company to access my credit file. I have no relationship with this company. 

Under the FCRA, only inquiries with permissible purpose and consent may be reported. I request that this be investigated and removed immediately. This inquiry is unauthorized and is negatively impacting my credit.

Please provide documentation of my consent or remove the inquiry promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed three related billing disputes with American Express for unauthorized or duplicate charges placed by XXXX XXXX XXXX, Attorney at Law on XX/XX/XXXX ( {$9900.00} ), XX/XX/XXXX ( {$10000.00} ), and XX/XX/XXXX ( {$10000.00} ). AMEX initially credited the charges but later reversed all three after the merchant resubmitted the same packet of documents.

The merchants packet contained : ( 1 ) old retainer agreements from 2022 that never mention AMEX billing ; ( 2 ) a sworn declaration falsely claiming I owed a {$30000.00} balance and made no other payments ; ( 3 ) two conflicting invoices ( {$41000.00} vs {$30000.00} ) created months after the charges; and ( 4 ) Veritext vendor bills addressed to the merchants law office, not to me. None of these show that I authorized these transactions.

AMEXs denials repeat the merchants claim that no refunds were ever promised, even though AMEX already has two written refund confirmations from the merchant dated XX/XX/XXXX and XX/XX/XXXX. I also provided proof of more than {$160000.00} in prior payments that fully covered his services. AMEX never explained how it determined the merchants inconsistent paperwork outweighed my documented evidence or refund emails.

This violates Regulation Z ( 12 C.F.R. 1026.13 ( h ) ), which requires a reasonable, good-faith reinvestigation of billing disputes. I am requesting that the CFPB direct AMEX to reopen this matter, conduct a senior-level reinvestigation, and explain in writing how it verified the merchants submissions against the contradictory evidence already in AMEXs possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting to formally dispute certain late payment accounts on my credit report that I believe have been inaccurately reported. After reviewing my credit report, I noticed several discrepancies involving both open and closed accounts, which I believe are causing undue harm to my credit score. I kindly request that these inaccuracies be thoroughly investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 
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 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 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 XXXX XXXX XXXX XXXX XXXX Under FCRA 602, the Congressional Findings and Purpose of the FCRA are to ensure that credit reporting is accurate and fair. As such, I request that the information on these accounts be thoroughly checked and corrected if any inaccuracies are found. Given that these inaccuracies may have a significant impact on my financial future, I respectfully ask that you investigate these issues under the protections provided by the Fair Credit Reporting Act. Please conduct a complete review of these accounts, correct any errors found, and update my credit report accordingly.

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 2025-11-07 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: NCB Management Services Inc.
State: GA

Complaint narrative:
I am reporting identity theft under FCRA 605B, FACTA, and 18 U.S.C. 1028. My personal data was used, sold, or traded without consent, resulting in fraudulent collection accounts on my credit reports. I request CFPB investigation and deletion of these unverifiable accounts under FCRA 605B.

Due to the government shutdown, I can not file an FTC report. I have uploaded a PDF, which includes a cover sheet, formal dispute letter, and evidence summary listing the accounts and legal citations. 

Please compel XXXX, XXXX, and XXXX  to block or delete all identity-theft-related items. 

Thank you, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my Experian credit report.

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent INQUIRIES that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are deleted immediately. Thank you XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not apply for credit, financing, or any services with these companies on the dates listed. These inquiries are fraudulent, unauthorized, and 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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Yes so on XX/XX/XXXX of XXXX I tried depositing a check that I clearly got from the government for my unemployment and XXXX  not sure why they thought it was fraud but Ive been getting the runaround for the past XXXX  and this bank is call regions bank they locked my account and I dont have a way to pay my bills

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