vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand the immediate removal of all inaccurate, harmful, or unauthorized information being reported by Equifax as a direct result of their recent data breach and failure to maintain reasonable procedures to protect my personal information. XXXX  has violated its obligations under the Fair Credit Reporting Act ( FCRA ) by failing to safeguard my data and by continuing to report information that may have been exposed, altered, or compromised. Their negligence places me at risk for identity theft, financial harm, and continued inaccurate reporting. Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to assure maximum possible accuracy. A data breach is clear proof that they did NOT follow reasonable procedures. Any information they continue to publish about me is now unreliable, unverified, and potentially corrupted. Additionally, under 15 U.S.C. 1681i ( a ), once notified of a dispute or potential inaccuracy, Equifax must conduct a reinvestigation. A reinvestigation is impossible when the system holding my data has been compromised. Therefore, all disputed information must be removed immediately. 
XXXX XXXX XXXX XXXX : Provide Physical Proof of Verification First XXXX  XXXX : Provide Physical Proof of Verification XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Provide Physical Proof of Verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: DC

Complaint narrative:
Privacy and Confidentiality under 15 USC 1681XXXX XXXX has violated my rights. 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 an 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. Accounts needs to be removed from 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 2025-11-26 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 extremely frustrated because these inaccurate accounts continue to appear on my credit report even after all this time, and they still have not been removed. I am urgently asking that the documents I provided be reviewed carefully so I can finally stop stressing over this.

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 2025-11-26 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: TX

Complaint narrative:
I am extremely frustrated because these inaccurate accounts continue to appear on my credit report even after all this time, and they still have not been removed. I am urgently asking that the documents I provided be reviewed carefully so I can finally stop stressing over this.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I initiated a withdrawal for {$2000.00} from my XXXX account to my bank account. XXXXPayPal provided XXXX trace numbers associated with the withdrawal : XXXX XXXX I contacted my bank, and they confirmed that no XXXX transaction, no deposit attempt, and no trace matching either number was ever received. They verified that no XXXX file entered their system for either trace number. 

I escalated to XXXXPayPal XXXX XXXX and XXXX XXXX XXXX XXXX They repeatedly told me to work with my bank and refused to provide any proof that the XXXX actually entered the Federal ReserveXXXX XXXX XXXX or provide the XXXX file XXXX XXXX  confirmation, or settlement verification for either trace number. 

I am requesting CFPB intervention so PayPal/XXXX is required to : XXXX. Provide verifiable Federal ReserveXXXX XXXX for both trace numbers, XXXX XXXX. Provide the XXXX file showing settlement for either trace number, XXXX XXXX. Refund my missing {$2000.00} since no XXXX  record exists for either trace number. 

Withdrawal date : XX/XX/year> Amount : {$2000.00} XXXX numbers : XXXX, XXXX XXXX account name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am a victim of identity theft. Fraudulent activity occurred under my name that I did not authorize. As a result, Navy Federal restricted my account access. I have already filed an official FTC Identity Theft Report and submitted XXXX XXXX required security appeal form with all supporting documents. 

Despite completing all steps, I still can not access or manage my account, which is preventing me from using my funds. I am requesting that Navy Federal properly review my identity theft case, remove any fraud-related restrictions, restore account access, and comply with all federal protections for identity theft victims.

I need Navy Federal to investigate this matter promptly and provide written confirmation of the resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 


XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
In addition to the previously listed accounts and inaccuracies, I am formally disputing the following incorrect addresses and account entry that appear on my Experian, Equifax, and TransUnion credit reports. These items are not associated with me and must be XXXX to ensure the accuracy and integrity of my credit file. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NV

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-26 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
RADIUS GLOBAL SOLUTIONS is a company that has already been removed from my credit report, I have no business with them. I have asked by XXXX  mail for my signature showing what business I had with them and they didn't reply, they refuse to pick up the phone and are damaging my credit report. If this is not removed from my credit report XXXX be filing a XXXX lawsuit against this company for fraudulent reported, and attempted extortion.

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 2025-11-26 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: EQUIFAX, INC.
State: OR

Complaint narrative:
TransUnion is reporting my credit utilization as XXXX %. First this is mathematically impossible. I have open revolving credit account. I have XXXX long term debt ( DofE ). This right here is defamation of character on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OR

Complaint narrative:
TransUnion is reporting my credit utilization as XXXX %. First this is mathematically impossible. I have open revolving credit account. I have XXXX long term debt ( DofE ). This right here is defamation of character on my credit reports

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 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I lived at the property and moved out, the roommate XXXX XXXX IS RESPONSIBLE FOR THE DEBT, I signed a paper before I moved and was told by property I am NOT RESPONSIBLE, then the rental place management t changed! I never heard from no one THIS COLLECTION AGENCY NEVER CALLED ME, NO COMMUNICATION AND EVEN CONFIRMED WITH XXXX XXXX WHO TOLD THEM ON RECORDED CALLS AND IN PERSON AND EMAIL THIS WAS ONLY HER! They over and over reassured her I was NOT ON THERE! Even admitted they see XXXX different accounts and I was removed. XXXX XXXX is the name. I want this removed off my credit report! I have proof I ended lease and have signed paper! I will sue for damages if this is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
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! 


XXXX XXXX XXXXXXXX ONEMAIN - XXXX INQUIRIES : XXXXXXXX XXXX XXXX XX/XX/year>

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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX a XXXXXXXX XXXX I bank with USAA. I reached a XXXX percent XXXX rating in XXXX. Ive been denied a few more times for vehicle, personal, or home loan 's than I can remember by USAA. Even my inquiries for a secure credit line were denied. To be XXXX year loyal member and I have to reach out to other lenders that approved me for same exact things that USAA denied me for is outrageous at this point. I dont know what kind of discrimination practices you all have with me but I need answers and solutions as soon as possible because this isnt right.

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 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Recovery Systems LLC
State: TX

Complaint narrative:
Company threatened to take me to court for unverified information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am writing to dispute a collection account on my credit report.The collection is listed without a full account number, which makes it impossible for me to verify it's validity or confirm it belongs to me.To assist I ask that you review the payment history. Please conduct a thorough investigation and respectfully provide me with the following ; 1. Verification that I am the person who is legally obligated to pay this alleged debt.2.A complete and itemized accounting of this alleged debt, including the original principal, all interest fees, charges added, dates and the amounts applied. 3. The name and address of the original creditor, along with the original account number. The date this account went into collection. Proof that the alleged debt was transferred, assigned or sold to your agency. 4. Proof of your authorization to collect this debt in my state, including your state license number.Plus name of licensing authority. 6. A copy of the assignment contract or agreement bearing my signature that created the alleged obligation. Under 15 U.S.C subsection 1692 ( g ) you must cease All collection and reporting until the requested validation is provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1.\tLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Everything with this account blew up out of nowhere. My aunt sent me money on the XXXX I used it that same evening to buy food, no problem. Then suddenly, at XXXXXXXX XXXX  on the XXXX, my card started declining like I was broke, even though I still had money sitting in the account. I checked the app and the bank made it look like my paycheck magically posted on the same day they closed the account, which is not true. 

I never got any warning, notice, email, text nothing that my account was supposedly at risk of closure. I wouldnt have let my money get deposited there if I knew they were about to shut the whole thing down the next day. 

When I called, they told me my account was closed because it had been negative for 120 days, but nobody ever told me that at any point during those 120 days. Then the charges started happening. The bank took money out using weird codes Ive never seen before, and my balance kept going down even though I physically couldnt use my card everything was declining. 

And to top it off, this all went down during my birthday weekend, so instead of celebrating, I was literally spending hours calling the bank trying to figure out why they were taking money from an account that was already closed and why I couldnt access my own funds. 

Ive tried reaching them multiple times, got transferred around, given different explanations, and still dont have a real answer on what happened or when XXXX get my money back. 

Fact Breakdown + Supporting Evidence Negative balance before deposit : I had a {$10.00} balance before my paycheck posted. 

After paycheck posted : The bank immediately charged me : FORCE CLOSED ACCOUNT FDES NMO for {$10.00} REVERSE PREVIOUS CREDIT ENTRY FDES NMO for another {$10.00} No explanation was given for either charge. 

Todays new charges : I now have XXXX additional charges labeled : Debit hold XX/XX/XXXX for {$21.00} Debit hold XX/XX/XXXX '' for {$20.00} I did not authorize any of these transactions, and I couldnt use my card because it kept declining. 

XXXX : XXXX sent to me : XX/XX/XXXX Food purchase went through normally : XX/XX/XXXX XXXX started declining : XXXXXXXX XXXX on XX/XX/XXXX Account closure appears to show the same date as my deposit, which is misleading. 

Evidence attached : Three-day call log showing I repeatedly contacted the bank with no resolution. 
Screenshots of : My aunt messaging me confirming the money she sent My food purchase The app showing the deposit as XX/XX/XXXX My card declining My balance decreasing from unauthorized charges The duplicate Debit hold charges The FDES NMO coded withdrawals All showing the bank removed money and held funds even though the account was supposedly already closed.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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