vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-12-02 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: GA

Complaint narrative:
XXXXTransunion has failed to fulfill its legal obligation under the fair Credit Reporting Act (FCRA) to conduct a reasonable investigation 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 Transunion, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Transunion 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 Transunion's inaction violates federal law and my rights as a consumerXXXXAccount: XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: GA

Complaint narrative:
XXXXTransunion has failed to fulfill its legal obligation under the fair Credit Reporting Act (FCRA) to conduct a reasonable investigation 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 Transunion, alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Transunion 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 Transunion's inaction violates federal law and my rights as a consumerXXXXAccount: XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
I did not open this account, and the information being reported is incorrect.

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 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I called and requested to get my personal line of credit to be stopped due to financial hardship. I was simply asking to get my line of credit to be put into a state of forbearance or deferment to stop accruing the ridiculous 299 % APR I had on my line. It was bloating too much for me to reasonably pay. They gave me an option to stop the auto pay but that's it. My line of credit would still be charged interest and now I'm also going to have have pay a fee for late repayment. Eventually I figured that I wasnt going to be able to pay them back and called on XX/XX/XXXX to request my account to be put into collections before it ballooned into something I couldn't reasonably pay in the eventual outcome that it would be put into collections. I knew if I didnt win the lottery or got some serious financial help it woild balloon into something so big I couldn't reasonably pay it without going bankrupt. They declined and said that they can put that note into my account but thats it. So I had a credit line of XXXX dollars and now I have to pay them back XXXX dollars because they refused to give me any leniency or assistance when I needed it most.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MI

Complaint narrative:
Appeal for cash app account because it is closed for some reason and won't let me get an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dear Experian This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( # XXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report XXXXXXXX XXXX XXXXXXXX Account Number : XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
2. The inquiry was not authorized XXXXXXXX XXXX Date of Inquiry : XX/XX/2025 I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 Chapter 41 specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
3. The inquiry was not authorized XXXX Date of Inquiry : XX/XX/2025 I formally request the immediate removal of these transactions from my report as they violate my rights as a federally protected consumer under Title 15 Chapter 41 specifically 15 U.S. Code 1681n and 15 U.S. Code 1681a ( 2 ) ( B ). 
Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

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 2025-12-02 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: FL

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a formal complaint against TransUnion Information Services LLC regarding multiple fraudulent accounts on my credit report resulting from identity theft, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TransUnion has failed to comply with FCRA 605B, which requires the immediate blocking and removal of fraudulent information, and has not provided disclosures under FCRA 609 ( e ), including applications, contracts, or account histories related to these accounts. This inaction is causing significant harm, damaging my credit, and violating my consumer rights. I demand that TransUnion immediately delete and block all fraudulent accounts, notify all furnishers and other bureaus, provide all supporting documentation, and confirm in writing that the accounts have been removed. Resolution sought : immediate deletion, block, and written confirmation of removal of all fraudulent accounts.

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 2025-12-02 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: CA

Complaint narrative:
I have found fraudulent accounts on my credit report, XXXX XXXX opened on XXXX, XXXX XXXX XXXX opened on XXXX, XXXX XXXX XXXX opened on XXXX and fraudulent address XXXX XXXX XXXX, XXXX, CA XXXX, please remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
I have made three separate attempts to dispute these items that are filled with inaccurate information across all three bureaus on my credit report and have not received any documentation or proof of validation from the credit bureau. Furthermore, I received correspondence requesting that I provide updated account details for each disputed item, along with proof of identification, before any further investigation could proceed. Given this, it would have been impossible for my disputes to be lawfully verified and updated ( as noted ) without a complete reinvestigation, which constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Description of the Problem I am filing this complaint because Navy Federal Credit Union repeatedly provided misleading and inconsistent information about my direct deposit and their early pay process. I called several times regarding a pending deposit, and every representative gave me different information. 

One agent told me my deposit would be released early. Another said something completely different. Then a regular customer service agent told me I had to wait until XXXX XXXX, which is not accurate and contradicts Navy Federals own policies and what other agents told me. 

Because of all the conflicting information, my deposit did not post at the time Navy Federal employees claimed it would. As a result, I was charged a {$20.00} overdraft fee, which happened only because I relied on the incorrect information that their representatives provided. 

In addition, several agents were extremely rude, dismissive, talked down to me, and even hung up on me when I asked for clarification. This behavior feels unprofessional and abusive. 

Navy Federals misinformation and unprofessional conduct have caused me financial loss and emotional distress. 



What I Have Already Done Called multiple Navy Federal agents for clarification Received multiple conflicting explanations about when my deposit would be released Was told the incorrect XXXX XXXX information by a regular agent Experienced rude and unprofessional behavior, including being hung up on Was charged a {$20.00} overdraft fee directly because my deposit was not released as I was told it would be Requested Resolution I am requesting : 1. A refund of the {$20.00} overdraft fee, since it resulted from Navy Federal giving me inaccurate information. 
2. A full investigation into the conflicting and misleading information I received.

3. Clear written clarification of Navy Federals early direct deposit policy.

4. Corrective action for agents who were rude, dismissive, or hung up on me.

5. Assurance that this does not continue, as it affects my financial stability. 



Impact This situation caused unnecessary stress, confusion, and financial harm. I rely on accurate deposit timing to avoid overdraft fees and meet essential expenses. Navy Federals misinformation directly caused this overdraft, and the rude treatment made it harder to resolve.

I am requesting CFPB intervention because Navy Federal has not provided consistent information or professional customer service when I contacted them directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-02 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: KY

Complaint narrative:
I am writing to notify you that I have been a victim of the Equifax data breach, which compromised the confidential personal information of millions of individuals. 
After reviewing my credit report, I have identified several accounts and inquiries that I do not recognize, were not authorized by me, and were clearly opened or initiated by third parties using my stolen personal information, or are otherwise inaccurately reported on my credit file. 
The information in question is as follows : - Account : Inquiry : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ] Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am formally demanding the immediate blocking, deletion, and permanent removal of all fraudulent accounts, inquiries, and any related information from my credit report.

Because this matter involves identity theft, you are legally required to : 1. Block this information within 4 business days, 2. Conduct a reasonable reinvestigation, and 3. Notify any furnishers of the disputed information, as outlined under FCRA 15 U.S.C. 1681c-2 ( a ) ( c ).

I respectfully request that my statement be taken seriously and that all legal protections and procedures be applied to block and delete this unauthorized information from my credit report. Please send written confirmation once the fraudulent information has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NJ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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