vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
To whom this may concern, i am on a Journey to improve my credit to purchase a home and a vehicle, upon reviewing my report I noticed these UNAUTHORIZED CHARGES, FRAUDULENT ACCOUNTS, UNKNOWN, INACCURATE AND OR MISSING INFORMATION, and INCORRECT INFORMATION on the ACCOUNTS listed below : XXXX XXXX opened on XXXX, XXXX, UNKNOWN, FRAUD. XXXX XXXX opened on XXXX, XXXX, UNAUTHORIZED ACCOUNT, FRAUD. 
XXXX opened on XXXX, XXXX, UNKNOWN, FRAUD. XXXX XXXX, opended on XXXX, XXXX, INACCURATE, MISSING INFORMATION, UNAUTHORIZED CHARGES, INCORRECT INFORMATION. XXXX  opened on XXXX, XXXX, XXXX opened on XXXX, FRAUD, UNKNOWN UNAUTHORIZED TRANSACTIONSXXXX XXXX XXXX XXXX XXXX, UNKNOWN. XXXX XXXX XXXX, XXXX FRAUD UNKNOWN. XXXX XXXX XXXX XXXXXXXX, UNKNOWN, FRAUDULENT ACCOUNT. This INACCURATE UNAUTHORIZED INFORMATION has causing me severe XXXX because I am unable to exercise my rights. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of reportWhenever 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete and remove.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My concern and disappointment is with Navy Federal Credit Union regarding the handling of my auto loan account. 
On Saturday, XX/XX/2025, my vehicle unfortunately caught fire and was subsequently towed by XXXX XXXX XXXX. I was under the impression that Navy Federal, as the lienholder, retrieved the vehicle shortly thereafter since my husband and I signed over the release of the vehicle. However, I never received any correspondence or update regarding the status of the vehicle or loan from your institution. 
Despite the incident, my husband and I continued to make our auto loan payments in good faith, expecting follow-up communication. When I contacted your office on Wednesday, XX/XX/2025, I was told that the vehicle is still at the tow yard and that Navy Federal deemed the car not financially viable.No one had informed us of this decision or the car 's status. Now we are responsible for the tow yard storage fees ( {$3000.00} ) and the remaining loan balance ( {$11000.00} ). 

I reached out again to Navy Federal on Thursday, XX/XX/2025 and was directed to talk to the XXXX  Department. I encountered a rude representative by the name of XXXX. She was very dismissive, nonchalant, and overall didnt care what I had to say. I asked to talk to a supervisor and she refused to transfer me to a supervisor, then lied and said that she had to put in a request that will allow me to get a call back from a supervisor within XXXX hours ( I never received a call from a supervisor ). I asked for her name and employee identification number and she refused to give me that as well. I dont even think XXXX is her real name. 

Additionally, due to an issue with our full coverage insurance policy ( which caused the premium payments to double up ), our coverage was downgraded to liability only just days before the incident. This occurred just one week prior to our wedding, adding significant emotional and financial strain. 

All in all, I have been a loyal member of Navy Federal for years and find it unacceptable that no formal communication was provided about the disposition of the vehicle, nor was any guidance offered about next steps or financial 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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX/XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX BANK XXXX  Date : XX/XX/XXXX XXXX BANK XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX BANK XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX. XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-15 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: TX

Complaint narrative:
This letter is to dispute a hard inquiry listed on my credit report without my consent. I have no knowledge of any transaction or application that would justify this inquiry.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
That l am a victim of identity theft an that this account is not mines

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
Date : XXXX XXXX XXXX  Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX Company Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Type : Billing / Unauthorized Charges/ Debt Collection Issue Description of Issue : XXXX XXXX XXXX XXXX XXXX I ported XXXX phone numbers XXXX XXXX XXXX XXXX ) from XXXX to XXXX. 
XXXX. On XX/XX/year>, I called XXXX to confirm the port. A representative confirmed the XXXX lines ported successfully and a third line ( XXXX ) would be canceled at the end of XX/XX/year>. 
XXXX. After this, my account should have been closed. I could not access the account due to forgetting my PIN. 
XXXX. From XXXX XXXX XXXX XXXX I received no bills, emails, texts, or other notifications about any remaining balance. 
XXXX XXXX continued charging my XXXX XXXX XXXX XXXX XX/XX/year>, even though the account should have been closed. Partial refunds were recovered from XXXX. 
XXXX. On XX/XX/scrub>XXXX XXXX XXXX  I spent over XXXX hour on the phone with XXXX customer service : XXXX requests to escalate to a supervisor were ignored initially. 
XXXX XXXX ended the call abruptly without resolution. 
Representative XXXX confirmed a XXXX balance but did not indicate that Southwest Credit Systems, L.P. would be notified to halt collections. 
XXXX. Southwest Credit Systems , L.P. has sent a collection notice claiming I owe {$460.00}. I have already sent them a certified dispute letter on XX/XX/year>, requesting validation of the debt. 

Requested Resolution : XXXX. Confirm that no debt is owed to XXXX for the period after the account closure. 
XXXX. Issue a full accounting and refund/credit for any payments made on services that were canceled or should have ended in XX/XX/year>. 
XXXX. Ensure that Southwest Credit Systems, L.P. ceases any collection attempts for this account. 
XXXX. Provide written confirmation that all future communications will be in writing. 
XXXX. Address the failures in billing, notification, and account closure to prevent future unauthorized charges. 

Legal Basis : FCCPA ( Fla. Stat. 559.55, 559.72 ) : Requires accurate billing and proper handling of disputes.

FDCPA ( 15 U.S.C. 1692g ) : Requires validation before third-party debt collection and prohibits misrepresentation of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I received notice of the change to the online transaction agreement on XXXX XXXX XXXX  XX/XX/year> when I attempted to go online to access my account. I called PNC and I was told I had to go to the local branch to get a copy of the online banking agreement. 
I no longer have access to my online accounts or can perform online banking transactions ( e.g., paying bills, checking deposits and check payments ) because PNC Bank required that I consent to an XXXX page electronic transaction and digital agreement page. I was not given any advance notice of the new agreement or that I would not be able to have access to my accounts online. I believe I should have been given at least 30 days or more to review the lengthy agreements. I was unable to download the new agreements and had to go to the PNC local bank office to get a copy of the new agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: LA

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. ''

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