vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX account that I never opened appeared on my Experian credit report. It is listed as : XXXX XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Charge-off amount : {$9000.00} Status : Closed Charged OfXXXX I am a victim of identity theft. I have : Filed an identity theft affidavit with the FTC Despite all documentation, the account has not been removed from my Experian credit report and continues to harm my credit. 

This failure to remove the fraudulent information violates my rights under the 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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue Summary : Fifth Third Bank denied my dispute for a {$750.00} XXXX payment even though I was the victim of an induced-authorized scam and submitted all evidence immediately. 

Full Complaint : I am filing this complaint because Fifth Third Bank denied my dispute for a {$750.00} XXXX transfer that was the result of a scam. I made a XXXX payment to purchase an XXXX XXXX XXXX from a seller who misrepresented themselves. After receiving the payment, the seller disappeared, never shipped the product, and stopped all communication. This was a clear case of induced-authorized fraud, where I was tricked into believing I was dealing with a legitimate seller. 

Within two hours of the payment, while the XXXX transfer was still showing as pending, I immediately contacted Fifth Third and filed a dispute. I provided screenshots, chat messages, and evidence showing that the seller was fraudulent, unresponsive, and that no product was delivered. 

Fifth Third initially issued provisional credit, but later reversed it and denied my claim. The decision letter did not adequately address the fraud evidence or the fact that this was an induced-authorized scam. Fifth Third is treating this as a normal authorized transfer, but regulators, including CFPB guidance, distinguish between authorized transfers and transfers authorized due to fraud or deception. 

I am requesting that the CFPB review this situation because : I acted in good faith and was misled into sending the money. 
I attempted to cancel and dispute the transaction immediately. 
The seller vanished after payment clear proof of fraudulent intent. 
Fifth Third did not properly consider the circumstances under the induced-authorized fraud category or the evidence provided. 

I am seeking reimbursement of the {$750.00} and a proper reconsideration of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681.

This inquiry does not belong to me and was not authorized by me.

Violations of my Rights : 15 U.S.C. 1681 Section 602 ( A ) : I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information without my written instructions or consent.

15 U.S.C. 1681c ( a ) ( 5 ) : A consumer report may not include adverse information older than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : No person may furnish information they knowor should knowis inaccurate.

This inquiry was not authorized by me. I did not give written or verbal permission for this company to access my consumer report. Therefore, this constitutes a violation of federal law and must be removed immediately. 

Please delete the following unauthorized inquiry : XXXX Hard Inquiry dated XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi abruptly and without notice closed multiple of my credit-card accounts, including my Citi XXXX XXXX XXXX XXXX XXXX, despite all accounts being in good standing and current. I received no advance warning, no adverse-action notice, and no explanation. 

After calling customer service, I was told no one could provide a reason and that I must write to the XXXX Response Unit in XXXX XXXX, SD. I sent XXXX written requests ( XX/XX/XXXX and XX/XX/year> ) demanding the factual basis for the closures and asking whether the decision was related to any protected characteristic or discriminatory factor. 

Citi responded on XX/XX/year> with a generic statement asserting compliance with anti-discrimination laws but still refused to state why my accounts were closed, saying the reason was internal and proprietary. This response fails to meet the requirements of the Equal Credit Opportunity Act ( 12 CFR 1002.9 ( a ) ( 2 ) ), which obligates creditors to provide a specific reason for any adverse action. 

Citis lack of explanation and refusal to disclose the decision basis appear to violate the ECOA and possibly the Fair Credit Reporting Act. I am requesting that the CFPB require Citi to provide a proper written adverse-action notice identifying the true reason ( XXXX ) for closure, and to review whether Citis internal practices are consistent with Regulation B.

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 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain multiple, conflicting, and damaging inaccuracies involving my identifying information, my account history, and even public record data, and my attempts to correct these issues directly through the credit bureaus have failed, leaving me with no choice but to seek CFPB intervention. First, each bureau reports a different address for meExperian shows XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX, Equifax shows XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX and TransUnion shows XXXX XXXX XXXX XXXXXXXX, GA XXXX of which match precisely, causing confusion regarding my identity and violating my rights under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611, which require accurate identifying information and proper verification. Second, the XXXX account XXXX in XXXX XXXX XXXX XXXX XXXX is being reported with entirely different timelines across the bureaus despite being the same account with a {$0.00} balance : Experian reports a Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, Equifax lists XXXX Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, while TransUnion lists XXXX Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ), and 607 ( b ) due to conflicting, unverifiable, and inconsistent reporting. Third, my Chapter XXXX Bankruptcy is being reported differently by Experian and XXXX lists XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX, while TransUnion reports XXXX Bankruptcy XXXX Reference # XXXX again raises questions about accuracy and violates FCRA 605 ( a ) ( 1 ), 609 ( a ) ( 1 ), 611, and 607 ( b ) because the same public record should not appear under two different descriptions. Lastly, TransUnion is reporting an inquiry from XXXX XXXX dated XX/XX/XXXX, which I do not recognize and for which there appears to be no permissible purpose, violating FCRA 604 ( a ) regarding unauthorized inquiries and 605 ( a ) regarding outdated or unverifiable information. These ongoing issues have caused me distress and have misrepresented my identity, financial history, and creditworthiness, and despite multiple attempts to dispute these errors directly, the bureaus continue to report inconsistent, inaccurate, and unverifiable information, leaving me with no reliable understanding of what my credit file actually contains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint because my credit reports across Experian, Equifax, and TransUnion contain multiple, conflicting, and damaging inaccuracies involving my identifying information, my account history, and even public record data, and my attempts to correct these issues directly through the credit bureaus have failed, leaving me with no choice but to seek CFPB intervention. First, each bureau reports a different address for meExperian shows XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX, Equifax shows XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX and TransUnion shows XXXX XXXX XXXX XXXXXXXX, GA XXXX of which match precisely, causing confusion regarding my identity and violating my rights under FCRA 602 ( a ), 607 ( b ), 609 ( a ) ( 1 ), and 611, which require accurate identifying information and proper verification. Second, the XXXX account XXXX in XXXX XXXX XXXX XXXX XXXX is being reported with entirely different timelines across the bureaus despite being the same account with a {$0.00} balance : Experian reports a Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, Equifax lists XXXX Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, while TransUnion lists XXXX Date of Last Activity of XX/XX/XXXX and Date Reported of XX/XX/XXXX, violating FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ), and 607 ( b ) due to conflicting, unverifiable, and inconsistent reporting. Third, my Chapter XXXX Bankruptcy is being reported differently by Experian and XXXX lists XXXX XXXXXXXX XXXX XXXX XXXXXXXX Reference # XXXX, while TransUnion reports XXXX Bankruptcy XXXX Reference # XXXX again raises questions about accuracy and violates FCRA 605 ( a ) ( 1 ), 609 ( a ) ( 1 ), 611, and 607 ( b ) because the same public record should not appear under two different descriptions. Lastly, TransUnion is reporting an inquiry from XXXX XXXX dated XX/XX/XXXX, which I do not recognize and for which there appears to be no permissible purpose, violating FCRA 604 ( a ) regarding unauthorized inquiries and 605 ( a ) regarding outdated or unverifiable information. These ongoing issues have caused me distress and have misrepresented my identity, financial history, and creditworthiness, and despite multiple attempts to dispute these errors directly, the bureaus continue to report inconsistent, inaccurate, and unverifiable information, leaving me with no reliable understanding of what my credit file actually contains.

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 2025-11-17 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: NC

Complaint narrative:
I am getting overwhelmed & XXXX XXXX  have been bad due to this, I cant get a place because of this negative account. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Im a member of navy federal credit union and have an account with them. I lost my card in early XXXX and had a fraudulent charge on my account XX/XX/year> and alerted the credit union about it and they had an investigation and credit me the amount that was taken from me in XX/XX/XXXX .. a few months go by around XXXX they charge me what they had credited back to me saying it was adjusted credit. And ever since then Ive been battling with them about it and to this day they havent refund me my money. This company just scammed me and wont give me my money back.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In reference to previously filed complaints noted below XXXX XXXX XXXX XXXX The complaints were closed because an account number was requested. There is no account number available for inaccurate personal information being reported. It's personal information. My name, my addresses, and phone numbers. For a refresher and new attention to this matter I'll attach below the initial complaint. Your new detailed attention to this matter is greatly appreciated. 

I called Equifax and spoke to XXXX separate representatives, the last one being " XXXX '' whose ID number is XXXX. I'd previously called Transunion and Experian after being notified of incorrect information. Currently Transunion and Experian reflect the information # # # reporting inaccurate information. This information has already been verified, not just through transunion and experian while having # mi, but I've also been verified to have corrected this, please assist with this matter.. View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In reference to previously filed complaints noted below XXXX XXXX XXXX XXXX The complaints were closed because an account number was requested. There is no account number available for inaccurate personal information being reported. It's personal information. My name, my addresses, and phone numbers. For a refresher and new attention to this matter I'll attach below the initial complaint. Your new detailed attention to this matter is greatly appreciated. 

I called Equifax and spoke to XXXX separate representatives, the last one being " XXXX '' whose ID number is XXXX. I'd previously called Transunion and Experian after being notified of incorrect information. Currently Transunion and Experian reflect the information # # # reporting inaccurate information. This information has already been verified, not just through transunion and experian while having # mi, but I've also been verified to have corrected this, please assist with this matter.. View full complaint

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 2025-11-16 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: CA

Complaint narrative:
I discovered a fraudulent credit card account from XXXX XXXX XXXX  appearing on my credit report as an Authorized User account. I did not open this account, did not authorize anyone to add me as an authorized user, and have no connection to the primary account holder. The account reports the following activity : opened XX/XX/XXXX, reported XX/XX/XXXX, with a balance of {$650.00} and a credit limit of {$1500.00}. 

I never received a card, billing statement, email, phone call, or any communication regarding this account. I did not make any charges or payments. This is an account that was opened or used fraudulently using my personal information. 

I filed an FTC Identity Theft Report and provided a written identity theft statement. Despite this, the account continues to appear on my credit report as open and in good standing under my profile. I contacted the credit reporting agency to dispute the account as fraudulent and asked for it to be removed and blocked under the Fair Credit Reporting Act ( FACTA identity theft protections ). The account has not been removed. 

I am requesting that the fraudulent authorized-user account be fully investigated, blocked from my credit reports, and permanently deleted, since I did not authorize or participate in this account in any way.

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 2025-11-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered a fraudulent credit card account from XXXX XXXX XXXX  appearing on my credit report as an Authorized User account. I did not open this account, did not authorize anyone to add me as an authorized user, and have no connection to the primary account holder. The account reports the following activity : opened XX/XX/XXXX, reported XX/XX/XXXX, with a balance of {$650.00} and a credit limit of {$1500.00}. 

I never received a card, billing statement, email, phone call, or any communication regarding this account. I did not make any charges or payments. This is an account that was opened or used fraudulently using my personal information. 

I filed an FTC Identity Theft Report and provided a written identity theft statement. Despite this, the account continues to appear on my credit report as open and in good standing under my profile. I contacted the credit reporting agency to dispute the account as fraudulent and asked for it to be removed and blocked under the Fair Credit Reporting Act ( FACTA identity theft protections ). The account has not been removed. 

I am requesting that the fraudulent authorized-user account be fully investigated, blocked from my credit reports, and permanently deleted, since I did not authorize or participate in this account in any way.

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 2025-11-16 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: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I hereby request that this financial institution remove any hard inquiries on my credit reports with XXXX, XXXX, and XXXX XXXX respectfully. My reason is not based upon any fraudulent activity of any kind. My reason is purely based upon the laws of duplicity from a civil perspective. In each of these hard-hit inquiries I was also reviewed on credit from a soft pull inquiry. In that capacity, what was the legal reasoning on looking over my credit once again where the information is the same. These hard hit inquiries have hindered me from acquiring fair credit offers, thus causing financial hardship. The inquiry or inquiries showing up as a hard-hit must in all fairness be deleted. In addition, whenever I applied for a vehicle loan, several companies filed multiple hard inquiries against my credit report. This is without getting direct authorization from me personally, but from a car dealership. Without direct authorization, the credit hard hit is essentially a pure violation of the Fair Credit Reporting Act and does not pass the Legitimate Business Need smell test. Accordingly, I demand the deletion of all hard inquiries. ALL HARD INQUIRIES MUST BE DELETED ACCORDINGLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I'm having trouble getting my 1099 from Navy Federal. Despite multiple requests, they refused to provide it. To make matters worse, they repossessed my vehicle, which had checks inside. I was on the phone with them, trying to figure out where my vehicle was, but they didn't know. Some checks went missing, so I filed a police report. According to the law, they had 30 days to respond, or the issue should have been deleted from my credit report. Instead, they added another {$34000.00} to my credit report, which is inaccurate and needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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  XXXX - Balance : {$370.00} - Date Opened : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
We had came to a one time payment to close out the loan! I made the payment so I was under the impression that it was closed! So for then to try and charge me again after 15 years is not right!

Company response to consumer: Closed with explanation