vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union is reporting a delinquent/charged-off account that does not belong to me. I disputed this account directly with Navy Federal and requested documentation and debt validation. According to XXXX certified mail tracking, Navy Federal received my dispute on XX/XX/XXXX, yet I have not received any response. They are continuing to furnish information without verification, which violates the Fair Credit Reporting Act ( FCRA ) 611 and 623. 

I discovered a Navy Federal account being reported under my name that I did not open, authorize, or consent to. Due to the fraudulent nature of the account and discrepancies in reporting, I sent a written dispute and request for validation via certified mail. 

XXXX tracking shows the dispute letter was delivered on XX/XX/XXXX. 
As of the date of this complaint, Navy Federal has not responded or provided any documentation.

Major Issues : 1. No Response to a Legally Required Reinvestigation Under FCRA 623 ( a ) ( 8 ) and 611, furnishers must investigate consumer disputes and respond within a reasonable timeframe. Navy Federal has failed to acknowledge or respond to my dispute sent XX/XX/XXXX. 

2. Failure to Validate the Account I requested : A signed application or contract The complete account number Transaction history or statements Proof I authorized or benefited from the account Navy Federal has provided nothing.

3. Inconsistent Credit Reporting Across Bureaus The account appears with different partial account numbers on XXXX  and XXXX, and no account number at all on XXXX. These inconsistencies violate : FCRA 607 ( b ) : maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) : prohibition on reporting information the furnisher can not verify 4. The Account Is Fraudulent I am filing an FTC Identity Theft Report. This account is not mine, and Navy Federal has not substantiated their reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
I am disputing a wrongful smoking violation charge from XXXX that was escalated into collections without proper investigation or verification, placing my credit at risk. 

I have been a loyal XXXX member for nearly 10 years and am a former All-Star Host XXXX 

Timeline : XX/XX/year> ( XXXX ) : Vehicle returned directly to XXXX  XXXX : Fuel invoice submitted no condition issues XXXX : XXXX sent thank-you message requesting XXXX review No complaints raised Two days later on XX/XX/XXXX : Host submitted smoking violation Host photos show rubber floor mats, while the vehicle I drove had cloth mats only. The photographic evidence does not depict my rental vehicle. 

No smoking occurred. 

Despite submitting this discrepancy repeatedly, XXXX provided only boilerplate denials without addressing evidence mismatches or delayed claim filing. 

XXXX has now placed this invalid charge into collections while still under active dispute, violating fair debt and credit accuracy laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit with my understanding that you will investigate these items for me to ensure accuracy. Here is the item Im asking you to verify as accurate. 

XXXX XXXX XXXX Account number : 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 2025-12-10 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: WA

Complaint narrative:
Recently, I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit with my understanding that you will investigate these items for me to ensure accuracy. Here is the item Im asking you to verify as accurate. 

XXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: VA

Complaint narrative:
I recently received a copy of my credit report that you mailed to me with the investigation results, and I noticed that you are reporting a * * late payment for XX/XX/year> * * on my * * XXXX XXXX XXXX XXXX * * account ending in XXXX XXXX XXXX XXXX XXXX 

I HAVE NOT authorized the reporting of inaccurate or unverifiable derogatory information on my consumer file. I am writing this myself. No third party, no automated system, and no credit repair company is involved.

Your company is in clear violation of the law. Under * * 15 USC 1681e ( b ) * * MAXIMUM POSSIBLE ACCURACY you are required to ensure all information reported is accurate, complete, and verifiable. A late payment can not be reported without documented proof from the furnisher.

Under * * 15 USC 1681i * *, if information can not be verified with actual documentation, it MUST be deleted immediately.

Additionally, your reporting violates * * Metro 2 Compliance Standards * *, which your agency is required to follow : * * Metro 2 Field 17A ( Account Status ) : * * You reported the account as CURRENT.

* * Metro 2 Field 24 ( Payment Rating ) : * * You also reported a delinquency code for XX/XX/year>. 
These two fields * * CAN NOT legally coexist * * unless the delinquency is fully documented and verifiable.

No such documentation has been provided.

This is a direct violation of Metro 2 guidelines and FCRA 623 ( a ), which prohibit reporting of inaccurate or unverified derogatory data.

-- - Failure to respond satisfactorily with deletion of the above referenced inaccurate item and failure to send a free updated report showing the correction will result in legal action being taken against your company. I will also be seeking * * {$1000.00} per violation * * for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15 USC 1681 violations 4. Civil liability for willful noncompliance * * 616 / 15 USC 1681n * * I have already submitted this matter to the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * State Attorney Generals Office * *, * * XXXX XXXX XXXX * *, and the * * Federal Trade Commission * *. 

-- - * * Best regards, * *

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 2025-12-10 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: VA

Complaint narrative:
I recently received a copy of my credit report that you mailed to me with the investigation results, and I noticed that you are reporting a * * late payment for XX/XX/year> * * on my * * XXXX XXXX XXXX XXXX * * account ending in XXXX XXXX XXXX XXXX XXXX 

I HAVE NOT authorized the reporting of inaccurate or unverifiable derogatory information on my consumer file. I am writing this myself. No third party, no automated system, and no credit repair company is involved.

Your company is in clear violation of the law. Under * * 15 USC 1681e ( b ) * * MAXIMUM POSSIBLE ACCURACY you are required to ensure all information reported is accurate, complete, and verifiable. A late payment can not be reported without documented proof from the furnisher.

Under * * 15 USC 1681i * *, if information can not be verified with actual documentation, it MUST be deleted immediately.

Additionally, your reporting violates * * Metro 2 Compliance Standards * *, which your agency is required to follow : * * Metro 2 Field 17A ( Account Status ) : * * You reported the account as CURRENT.

* * Metro 2 Field 24 ( Payment Rating ) : * * You also reported a delinquency code for XX/XX/year>. 
These two fields * * CAN NOT legally coexist * * unless the delinquency is fully documented and verifiable.

No such documentation has been provided.

This is a direct violation of Metro 2 guidelines and FCRA 623 ( a ), which prohibit reporting of inaccurate or unverified derogatory data.

-- - Failure to respond satisfactorily with deletion of the above referenced inaccurate item and failure to send a free updated report showing the correction will result in legal action being taken against your company. I will also be seeking * * {$1000.00} per violation * * for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15 USC 1681 violations 4. Civil liability for willful noncompliance * * 616 / 15 USC 1681n * * I have already submitted this matter to the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * State Attorney Generals Office * *, * * XXXX XXXX XXXX * *, and the * * Federal Trade Commission * *. 

-- - * * Best regards, * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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 received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized 1. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting Falsely XXXX XXXXXX/XX/XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting Falsely XXXX XXXXXX/XX/XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS By the provisions of the Fair Credit Reporting Act, I demand that these items be remove and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.15 U.S.C . Sec.

1681 ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) Information Regarding Inquires Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record or inquires in connection with a credit, or insurance transaction that is not initiated by a consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Please note that you have 30 days to compliance this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. l do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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 received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized 1. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting Falsely XXXX XXXXXX/XX/XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting Falsely XXXX XXXXXX/XX/XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS By the provisions of the Fair Credit Reporting Act, I demand that these items be remove and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.15 U.S.C . Sec.

1681 ( 1 ) ( A ) ( B ) ( i ) ( 3 ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general a consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if- ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( XXXX ) Information Regarding Inquires Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record or inquires in connection with a credit, or insurance transaction that is not initiated by a consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Please note that you have 30 days to compliance this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. l do not consent to e-Oscar or any means of automated verification.

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 2025-12-10 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:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BalanceOwed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NC

Complaint narrative:
I am submitting this follow-up regarding a dispute I previously filed concerning multiple inaccurate, inconsistent, and unverifiable items appearing on my Experian, Equifax, and TransUnion credit reports. Despite providing supporting documentation and requesting a reinvestigation, these items remain on my credit file without proper verification or correction. The continued reporting of these errors misrepresents my actual payment history, misattributes accounts, and is causing measurable harm to my credit profile and financial standing. 

XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  BalanceOwed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BalanceOwed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX Balance {$7500.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. 

The continued reporting of these inaccuracies violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation of any disputed information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. The continued presence of unverifiable or inaccurate items constitutes a violation of these federal requirements.

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 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: TN

Complaint narrative:
The creditor and the credit bureaus ( XXXX XXXX XXXX XXXX  ) are reporting inaccurate and inconsistent information on my credit report regarding an account that shows an incorrect late payment. The account is closed with a {$0.00} balance, meaning no delinquency ever occurred. Additionally, the opening dates do not match between the bureaus, and the account number is reported differently, making the information unverifiable and unreliable.

I disputed the account and provided full identification, yet the bureaus failed to conduct a proper investigation as required under FCRA 1681i. The furnisher also failed to notify me 21 days prior to reporting negative information, violating federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have found this account to be fraudulent under FCRA and 605 b this account with XXXX ACCT # XXXX is an account that can show I didnt use it nor make purchases or payments. I called and found this is a XXXX XXXX card and I dont own a home to use that type of store. I am requesting this account be removed and I have filed a complaint with the FTC and XXXX XXXXXXXX XXXX was reported but was not and they said I can ask for a good faith removal due to me being sick and off work when they agreed to give me a 30 day extension. I am asking for this account to be updated as current. 
XXXX XXXX XXXXis an old account that was charged off and carrys a balance still and is under violation thru the FCRA and needs to be removed because the creditor didnt issue me a XXXX after they wrote it off. 
XXXX XXXX XXXX was not authorized by me I have a lease with XXXX that wouldnt allow me to get a new car at that time

Company response to consumer: Closed with non-monetary relief