vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" In XX/XX/2025, I identified that my XXXX XXXX account with a balance of {$9.00} was not being reported on my Experian credit report. I contacted XXXX XXXX immediately and provided all requested documentation to have the account reinserted. Under the Fair Credit Reporting Act, including 15 U.S. Code 1681s-2 and 1681i, I have the right to accurate and complete credit reporting. Despite these legal protections, XXXX XXXX has not corrected this issue. I request that the CFPB ensure that XXXX XXXX promptly reinserts my account on Experian, as the absence of this account is negatively affecting my credit score.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am formally disputing some incorrect and unauthorized items on my credit report. According to the FCRA ( 15 U.S. Code 1681b ( 2 ) ), my personal data was used without my written consent, and accounts I didnt open are now listed. This could be identity theft under 15 U.S. Code 1681c-2. Im requesting that you look into this and fix these problems right away.

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 2025-07-22 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: NJ

Complaint narrative:
I filed a dispute with Experian, within hours they responded that it was verified without an investigation, the dispute isn't bogus, Equifax, and TransUnion, have the correct information yet Experian won't do what's required by law, 15 U.S.C. 1681 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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Payment went to the wrong company. Once I noticed it I brought it to the attention of Navy Federal Credit Union. The company advised that they could not locate the payments and would not provide me proper information to contact XXXX and advised I go through my bank. So I went through my bank to resolve the issue of fraud. But Navy Federal did not dispute all unauthorized charges I reported. But only 3 were refunded. Transactions XX/XX/year> amount {$4400.00} XX/XX/year> amount {$4300.00} XXXX ending XXXX, XXXX XXXX XXXX. I have spoken tXXXX XXXX Property Manager XXXX XXXX and Cooperate Director XXXX XXXX who stated that they can not locate the transactions. Navy Federal has refused to dispute this matter on my behalf and this has gotten very lengthy in time and unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Purchased XX/XX/XXXX in store. Upon delivery the full wood didnt smell like wood. It smelled like awful chemicals. I complained. Weeks went by, then a month went by, i complained again. They offered to send a technician out. How that helps solve anything i dont know, but i waited. No show. Then XXXX ghosted me! I disputed with synchrony, they denied it weeks later with no explanation or anything after i submitted over 12 documents for my case. They have no where to try and appeal- so now Im here.

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 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
I am disputing a collection account listed on my credit report because I do not owe this debt. The account was placed by a collection agency that I have never done business with, and I was never notified of any debt. I am requesting verification and supporting documentation to prove that I am legally obligated to pay. So far, I have not received any proof from the company. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am asking for this account to be investigated and removed from my credit report if it can not be verified.

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 2025-07-22 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 submitted a formal dispute to Experian regarding an account appearing on my credit report that I do not recognize or recall authorizing. I provided sufficient information and requested a proper investigation, as is my right under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, Experian has failed to take any meaningful action. The account remains on my report without explanation or verification. This lack of response indicates a failure to meet FCRA obligations, including the duty to ensure the maximum possible accuracy of consumer information and to respond to disputes in a timely and reasonable manner.

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 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I lost my XXXX XXXX  XXXX XXXX and whoever found it used it and charged an amount of XXXX. 
I called the credit card company when I received a message from them asking me if I tried using my card. I called them back and told them I must of lost the card and someone else got it and used it. 
So they dispute that charge and sent me a new card and removed the charge from my account. 
Time passed by and I didn't hear from them. Then I seen the charge was back in my account. I called them and requested to dispute the charge again and they did. But this time they didn't remove the charge. I also wrote their dispute center a letter that I will be attaching here.They told me verbally and in writing that I wasn't required to make a payment towards the dispute amount. I also got another letter stating that the investigation has been resolved and it's determined that the charges are not mine. 
Now what I don't understand is why are the charges and late fees still on my account. XXXX customer service keeps calling me to make a payment. And this has negatively impacted my credit score XXXX points. 
They have terrible customer service that is not willing to help me with this matter anymore. 
This has been going on since XX/XX/year> till now. 
I have the letters that they sent me. I will be attaching them here. 
Thank you for your help

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 monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
Upon reviewing my credit file, I noticed that this installment loan account is not mine. The name is XXXXKOALAFI reported on XXXX XXXX this account does not belong to me. According to the Fair Credit Reporting Act ( FCRA ), any information that can not be verified or is inaccurate must be deleted from the credit report. 

Please conduct an investigation regarding this account. If you can not provide verification of the accuracy and validity of this accountincluding documentation such as the original loan agreement, payment history, and balance detailsI respectfully request its immediate removal from my credit report. 

Please update me with the results of your investigation in writing within the 30-day time frame as required by law. I have attached a copy of my government-issued ID, a utility bill for address verification, and a copy of my credit report with the account in question highlighted. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX XXXX Balance {$680.00} XXXX XXXX XXXXXXXX Balance {$1300.00}

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 2025-07-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex didnt increase my credit limit for two reasons One is Based on your credit report, you have too many requests for credit And two that I was late/past due with other creditors And I was never late or past due at all I never requested too many recent Credit I had AMEX flagged credit card application I didnt apply for.

Im not sure if AMEX is pulling someone else credit report that has the same name like mines I send AMEX some documents with the reference number XXXX Amex ref and I never heard from them. I send them my proof of income and my bank statements and my recent copy of XXXX  credit report I will upload the documents on CFPB portal and have AMEX look at them please. They are not increase my credit limit at all. If they claimed that I was late or past due then why my accounts are still open. I dont have any late remarks reported to the credit bureau and I have a XXXX credit score with XXXX  and I sign up for AMEX my credit guide I dont see any past due remarks on them. I will also upload this I send AMEX a copy of the credit report and my bank statements and other stuff by mail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
To add to my previous complaints, I will attach the following : A text of XXXX XXXX XXXX stating no credit agency contacted him during the investigation period. You may call him to confirm this. It is too late for the credit agencies to call him. Because he may now become a witness to give his truthful account of this situation in a future civil suit. Please inform them that they had their chance for the last few months to Contact him. 

EXPERION. EQIUFAX, XXXX  : SINCE YOU SEEM SO DETERMINED TO FORCE YOUR VERSION OF REALITY DOWN PEOPLES THROATS. EVEN LIES ... I DEMAND YOU IMMEDIATLY REMOVE ALL NEGLIGENT INFO FROM MY IMMEDIATELY, NOT 60 DAYS, The report in question I BELIEVE is still in process. NONE OF THE AGENCIES, not ONE time called to do ANY sort of investigation. They simply SAID they did. This shows the absolute malice, disregard for ethics, honesty and truth with which these companies operate. Acting in a powerful manner may be a good thing if the motivation is the truth. Or honesty. These credit agencies are most interested in maintaining their total control over all information whether it's true or not. I have not even HEARD of this happening before until it happened to me.

Their actions are so devoid of honesty, integrity, and truth I AM REQUESTING IMMEDIATE ACTION TO REMOVE ALL DEROGATORY CREDIT REPORT. Furthermore, their multiple, now proven small investigations of my credit report have been proven patently false. IMMEDIATELY REMOVING ALL DEROGATORY INFORMATION WOULD BE A SMALL START TOWARDS RIGHTING THIS WRONG. Haven't I suffered long enough due to the lies they propagate? Please force them to act now. See attached file. 60 days for resolution when this is the most clear-cut example of deliberate felony crime vs. ANYONE else this too long to wait. See attached file. 60 days for resolution when this is the most clear-cut illustration of the kind of fraud these people feel powerful and hateful enough to commit right in front of you and then deny later.

Company response to consumer: Closed with explanation