vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 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:
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 2025-08-16 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: GA

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 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 2025-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Loan # XXXX Navy Federal Credit Union XXXX XXXX. cash out refinance of property XXXX XXXX XXXX XXXX XXXX, XXXX. This loan settled on Wednesday, XX/XX/XXXX, in the amount of {$81000.00} however, at the last minute, the morning of the signing the paperwork on XX/XX/XXXX, at XXXX changed to {$80000.00} a XXXX less then the original amount {$81000.00} and an additional {$1000.00} added to make a of total loan {$82000.00}. Also, on the evening of XX/XX/XXXX, I received a phone call from XXXX XXXX XXXX XXXX Mortgage XXXX XXXX, requesting a reserve amount of {$14000.00}, I ask for what, he stated for taxes and insurance in a Reserve in case XXXX cant pay taxes and insurance. this was illegal because I was approved for a waiver on XXXX for taxes and insurance and it was approved. I stated, I won't have that kind of money however, he went over all my accounts at Navy Federal and XXXX accounts, and said I did. I told him No! and where are the disclosures, which was not submitted to confirm this request. He mentioned that he was sorry. But the original loan amount changed the next morning within hours before the settlement signing which was XXXX. The loan amount changed to {$80000.00} not the {$81000.00} with an additional {$1000.00} addedI which made total amount {$82000.00}. I have requested a response from XXXX XXXX, pertaining to these changes, and corrections of mistakes/errors made on this loan. I asked the following questions : XXXX. Why did the loan amount changed from {$81000.00} to {$80000.00} the morning of settlement as well as {$1000.00} being added? 

XXXX. Why was a request made they needed {$14000.00} as a reserve for Taxes and insurance when a waiver of taxes and insurance was approved. Regulations X ( XXXX CFR Part XXXX ) which are for XXXX Accounts. 

XXXX. Why was an additional {$1000.00} added to the loan.XXXX XXXXXXXX did responded that Navy Federal XXXX XXXXXXXX can hold a reserve for taxes and insurance however they gave me a waiver. And no bank can hold a reserve unless its a Jumbo Loan, this amount is under {$100000.00}. 

XXXX. As a result of these mistakes, the monthly payment changed from {$710.00} to {$720.00}. 

XXXX. As of today, XX/XX/XXXX at XXXX, XXXX XXXX Responded with nothing can be done the XXXX has been funded, unless we redo the loan again. He confessed that mistakes were made!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
I am filing this complaint against TransUnion because they continue to report false and unverified information on my credit file, even after I have disputed it multiple times. 

First, they are still showing two wrong addresses that do not belong to me : XXXX XXXX XXXX, XXXX, NY XXXX and XXXX XXXX Av, XXXX, CA XXXX. I have never lived at these addresses, never used them on any application, and have no connection to them. Despite my previous disputes, TransUnion has left them on my report. This creates confusion, increases the risk of my file being mixed with another consumers, and leaves me exposed to possible identity theft. 

Second, TransUnion continues to report a collection account from XXXX, Account XXXX XXXX, showing a balance of {$290.00} and an opened date of XX/XX/year>. I have never had any relationship with this company and I have never received any proof that this account belongs to me. I have disputed this account before, but TransUnion has failed to provide documentation or remove it. 

These errors are damaging my credit, lowering my score, and making it harder for me to access fair financial opportunities. I have followed the dispute process properly, but TransUnion has failed to correct or remove the inaccurate information. I am asking the CFPB to step in and require TransUnion to delete the wrong addresses and the XXXX collection account from my credit report.

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 2025-08-16 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: GA

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 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 2025-08-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX, XXXX & XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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 explanation
Consumer complaint received 2025-08-16 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:
On XX/XX/year> I submitted. my XXXX dispute for errors on my credit report. They responded XX/XX/year> that it was being reviewed. It is now XX/XX/year>. No contact. No updates. They have taken over XXXX  days and are willfully complicit in aiding fraud as a result of allowing inaccurate information on my report. I submitted an ftc theft report and they have ignored me and the laws that require any fraudulent accounts be removed and blocked in accordance to 15 U.S.C 1681eb.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
On XX/XX/year> I submitted. my XXXX dispute for errors on my credit report. They responded XX/XX/year> that it was being reviewed. It is now XX/XX/year>. No contact. No updates. They have taken over XXXX  days and are willfully complicit in aiding fraud as a result of allowing inaccurate information on my report. I submitted an ftc theft report and they have ignored me and the laws that require any fraudulent accounts be removed and blocked in accordance to 15 U.S.C 1681eb.

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 2025-08-16 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 2025-08-16 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: 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 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 2025-08-16 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-08-16 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: FL

Complaint narrative:
This is not a mistake. My credit report contains inaccuracies that do not meet the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing ongoing harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Duplicate Derogatory Reporting My credit report shows the account as Charged Off and also continues to list late payments ( XXXX, XXXX, XXXX, XXXX, XXXX  days ) after the charge-off date. 

This is misleading and results in double penalization for the same delinquency period, which is inconsistent with accurate reporting standards. 

Balance Exceeds Credit Limit Without Explanation Credit limit is reported as {$2200.00}, but the balance is {$3000.00}. 

XXXX XXXX has not provided a clear explanation or documentation for how the balance exceeded the limit, making this information unverifiable and potentially 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 2025-08-16 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: VA

Complaint narrative:
My personal, financial, and student loan information has been unlawfully reported and shared without my authorization. This includes late payments, inquiries, and student loan data that violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), and FERPA ( 20 U.S.C. 1232g ). The credit bureaus ( Equifax, Experian, and TransUnion ) are reporting inaccurate and unverifiable information, and my federally protected student loan data was disclosed to third parties without my consent. I am requesting immediate deletion of all inaccurate and unauthorized information and full compliance with my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-16 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: FL

Complaint narrative:
I am filing this complaint because Equifax has failed to maintain accurate and verifiable information on my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. Despite my previous disputes, the following accounts and inquiries remain reported inaccurately and without proper documentation : XXXX XXXX XXXX Account # XXXX This account shows a late payment, yet no proof of contractual delinquency has been provided. My payment history is being misreported, which is damaging my creditworthiness. 

XXXX XXXX  Account # XXXX Equifax continues to list alleged late payments without supplying a complete payment ledger or original creditor validation. 

XXXX XXXX XXXX Account # XXXX This account is reporting a late payment even though it has a {$0.00} balance and should no longer be actively reported as delinquent. 

Unverified Inquiries The following inquiries were conducted without my knowledge or permissible purpose : XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) Equifax has failed to demonstrate that these inquiries were authorized or initiated by me. This violates 15 U.S.C. 1681b, which limits when and how a consumer reporting agency may furnish a report. 

I have made good-faith efforts to resolve these issues directly with Equifax, but they have either ignored my requests or provided incomplete responses. The continued publication of inaccurate, unverified, and incomplete information is causing significant harm to my ability to obtain credit and is a clear breach of their legal obligations. 

I am requesting that the Consumer Financial Protection Bureau investigate Equifaxs procedures for handling disputes and ensure that they remove or correct these accounts and inquiries in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: VA

Complaint narrative:
When I pull my credit report, it shows late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. My PNC Core Credit Card account was closed by PNC due to inactivity. I reported the charges placed on my card as fraudulent activity and was informed that they had verified this information. I spoke on the phone with them along with my husband multiple times. They assured me that it had been rectified. My husband is currently XXXX XXXX military. We noticed the charges on the account were from an unknown location that we had not travelled or lived in. I visited local branches as well in regard to this matter. The late payments are adversely affecting my credit score and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation