vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am filing this formal complaint against Navy Federal Credit Union ( NFCU ) for violating my consumer privacy rights, failing to honor my written opt-out request, and breaching contractual obligations, all in direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and Truth in Lending Act ( TILA ) provisions. 

In XXXX, I formally notified Navy Federal Credit Union in writing that my personal and financial information had been compromised due to data exposure. Along with that notification, I explicitly invoked my right under the Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) to opt out of any sharing of my personal information with any and all third parties, under any circumstances. 

Despite my clear and documented written instructions, Navy Federal has continued to share and disclose my private consumer information, thereby breaching the federal privacy and disclosure restrictions mandated by the GLBA. This conduct also constitutes a material breach of contract and a failure to safeguard sensitive consumer data, which Navy Federal is legally obligated to protect. By disregarding my opt-out directive and continuing to disseminate my personal data, Navy Federal has : 1. Violated federal consumer privacy protections under the Gramm-Leach-Bliley Act.

2. Breached its contractual and fiduciary duty to maintain confidentiality of customer information.

3. Violated the Truth in Lending Act by failing to adhere to proper disclosure and notice requirements regarding consumer data usage and contractual changes.

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 2025-10-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My husband passed away XX/XX/year>, all my cards were paid through an estate. But Im getting daily calls from a law firm so they say, saying I owe them {$3800.00}, I asked him every time I speak to him to please send me the itemized bills that I owe CAPITAL ONE BANK, he says he refuses to give that info to me I have to pay him regardless. The original amount that was already paid was {$680.00} thats it. I am in financial ruins and on social security as my income. I lived with husband income only, and I dont have any collections against me, please help the telephone number of the man that calls me is XXXX I can send you copy of my husbands Death Certificate if you like

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax reports duplicate XXXX XXXX XXXX loans and conflicting payment dates among XXXX XXXX  and XXXX XXXX  accounts, violating FCRA 607 ( b ) and Reg V 1022.42 ( b ) ; Metro 2 Fields 11, 29, 32 & 71.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-07 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:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Attempted to verify the debt, asked for original contract, or purchase agreement, dates of alleged missed payments, specifically the date of the first missed payment, I have no business with this company in any way and insisted it be removed from my credit report immediately as the debt is not verified, please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This is my XXXX  and final warning before I initiate legal action. The continued reporting of inaccurate and unverified information is a willful and negligent violation of the FCRA 1681n ( willful ) and 1681o ( negligent ), as well as the CFPA 1031 for unfair, deceptive, and abusive acts or practices ( UDAAP ). You are fully liable for damages caused to my creditworthiness and personal finances. If immediate deletion is not made, I will pursue a lawsuit and report this to the FTC, CFPB, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I received a loan request denial via mail stating I tried to get a loan but my credit was too low. I didnt apply for a loan of my property and my credit is near perfect.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$7500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
They didnt give my mother credit for paying for XXXX  years and they added {$21000.00} to the unpaid balance in a modification. She only owed {$44000.00} on the existing loan in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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 2025-10-07 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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 filing this complaint against TransUnion because they are reporting inaccurate and misleading information on my credit file regarding accounts that have already been disputed with other credit bureaus and furnishers. Specifically, the XXXX XXXX charge-off and the XXXX XXXX auto loan are being re-aged and reported inconsistently.

For example : The XXXX XXXX account shows a charge-off status but is being re-aged with new derogatory notations well after the account was closed. 

The XXXX XXXX account is marked as in repossession/charge-off with inconsistent balances and payment history that do not match what has already been reported to other bureaus. 
These updates are factually incorrect and materially misleading. The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires TransUnion to maintain maximum possible accuracy in consumer reports. TransUnions reporting violates this duty by continuing to report false or re-aged derogatory data.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information disputed by the consumer is found to be inaccurate or can not be verified, the credit bureau is required to delete the information from the file. Simply updating the tradeline with new inaccurate dates is not compliance deletion is the only lawful remedy.

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 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: NY

Complaint narrative:
On my credit report XXXX  XXXX ( XXXX XXXX ) is reporting a charge off. When trying to reach out to the company. They have no information regarding the debt. The creditor is unable to provide original Documation. Under 15 U.S.C. 1681e ( b ) outlines the compliance procedures for consumer reporting agencies ( CRAs ) under the Fair Credit Reporting Act ( FCRA ). It mandates that whenever a CRA prepares a consumer report, it must follow reasonable procedures to ensure maximum possible accuracy of the information.

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 2025-10-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have XXXX credit card accounts with synchrony that were paid in full but they have not applied the payments to the accounts. The checks were mailed from my bank which is the same bank all payments have been made from during the entire life of all XXXX accounts. Those checks were sent XX/XX/2025 and synchrony acknowledged receiving them on XX/XX/XXXX. Each representative that I talked with on XX/XX/2025 said payments take XXXX hours to post to the account once recieved. I explained that time frame had passed and the amounts should have been applied to the account. They said that I just needed to keep waiting. They all said that synchrony placed a hold on the payments to verify the bank. When I asked why they said it was because it was a large amount. I asked when the payments would be applied and no one gave me a consistent answer. I explained that they are still charging me interest on these accounts. I also explained that I had to continue making my payments even though they had already recieved the total amount that was owed on the accounts and that I am owed money back. I asked to speak to someone who could give me answers and they told me they were having system issues and couldn't transfer me. Left me on hold for over XXXX minutes.

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 2025-10-07 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: IN

Complaint narrative:
I recently received a copy of my credit report and I noticed a few credit inquiries that I did not authorize. I am sending this letter because I believe the items listed herein are inaccurate and thus, I am requesting that the inquiries listed below are removed from my credit report immediately.

Under section 609 of the FCRA [ 15 U.S.C. 1681g ], I have the right to request verification of all credit inquires listed within my credit report. Furthermore, under section 611 of the FCRA [ 15 U.S.C. 1681i ], each credit bureau must conduct a reasonable investigation into the accuracy of the items in which I am disputing. Upon completion of the investigation, if the information contained within the dispute is found to be inaccurate and unverifiable, the consumer reporting agency must delete the information from my credit report and notify me in writing that the information has been removed from my credit report.

Failure to positively verify these accounts has hurt my ability to obtain new credit. Under the FCRA, 15 U.S.C. 1681i, unverifiable items must be removed if I am unable to obtain a copy of verifiable proof. Failing that, I am also aware that I have the right to seek {$1000.00} per violation as outlined under section 616 of the FCRA [ 15 U.S.C. 1681n ] for each company who obtains a copy of my consumer credit report without my consent.

I demand an investigation into the accuracy and validity of the following credit inquiries, which were not authorized by me. 
XXXX. XXXX  XXXX XXXX XXXX of the hard inquiry : XXXX XXXX. XXXX  XXXX XXXX XXXX of hard inquiry : XXXX XXXX. XXXX XXXX XXXX XXXX Date of hard inquiry : XXXX XXXX. XXXX Date of hard inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX of hard inquiry : XX/XX/XXXX XXXX. XXXX  Date of hard inquiry : XX/XX/XXXX XXXX. Flat Out XXXX Date of hard inquiry : XX/XX/XXXX Please remove these from my credit report as I have no recollection of applying for credit with this company.

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 2025-10-07 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe XXXX have been compromised as a result of the data breach affecting Equifax. As a victim of this breach, my personal and financial information was exposed without my consent, placing me at risk of identity theft and fraudulent activity. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information contained in my credit report is accurate, complete, and verifiable. I am requesting that you investigate and promptly delete any and all items that XXXX have been affected by this breach, as they can not be verified as accurate or legitimately associated with me. 
The specific items I am disputing include : Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$9500.00} Account Name : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief