vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My name is XXXX XXXX I am filing this complaint because XXXX is reporting inaccurate and unverifiable information on my credit report regarding my Navy Federal Credit Union account.

I recently submitted a dispute to Experian pointing out several clear errors, including repeated Invalid date entries in the comments and payment history section. Despite these obvious inaccuracies, XXXX marked my dispute as updated and verified within only 2 hours, which is not a reasonable investigation under the Fair Credit Reporting Act ( FCRA ).

The account continues to report incorrect payment history, inconsistent charge-off dates, and invalid dates in multiple fields, which makes the account inaccurate and misleading.

I am requesting that the CFPB require XXXX to : Fully investigate this account with proper documentation from Navy Federal Credit Union.

Provide me with a clear Method of Verification ( MOV ) describing exactly how they verified the account.

Permanently delete this inaccurate account from my credit report if they can not provide proper validation.

I have attached screenshots showing the inaccurate reporting and the XXXX dispute result, which was completed in an unreasonably short time with no meaningful investigation.

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 2025-07-06 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:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections XXXX XXXX XXXX$9000.00} XXXX & XXXX {$610.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
This credit dispute is being submitted as a new evidence dispute. The accounts that are being XXXX XXXX XXXX XXXXXXXX ) disputed do not belong to me. The below is my sworn statement concerning these credit issues. 
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States, '' if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated

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 2025-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing Midland Credit Management 's continued reporting of a XXXX XXXX XXXX account ( Account ending in XXXX ) on my credit report. 

I was listed as an authorized user, not the primary account holder, and therefore I am not legally responsible for the repayment of this debt. Under the Fair Credit Reporting Act ( FCRA ), authorized user accounts should not be reported negatively when the individual is not liable. 

Furthermore, the account was settled in full on XX/XX/XXXX XXXX for a total of {$650.00}. Midland Credit Management issued written confirmation that the balance is {$0.00} and clearly stated, You have no further obligation on this debt. During settlement, Midland representatives also indicated the account would be removed from credit reporting. 

Despite this, the account is still being reported on my credit reports as an open collection, which is both inaccurate and misleading. This is a violation of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate FDCPA 807 ( 2 ) ( A ) misrepresenting the legal status of a debt This inaccurate reporting is negatively impacting my credit profile, and I am formally requesting its immediate deletion from XXXX XXXX XXXX XXXX 

I have uploaded supporting documentation that confirms the account is settled and the balance is XXXX. I respectfully ask the CFPB to assist in enforcing compliance and protecting my consumer rights.Original Creditor : XXXXXXXX XXXX Merchant Name : XXXX XXXX XXXX Original Account Number : XXXX MCM Account Number : XXXX Current Balance : {$0.00} Current Owner : Midland Credit Management , Inc . 
Total Payments Made : {$650.00} Recent Payments Receipt # : XXXX Date Amount XX/XX/ {$650.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-06 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I received notice XXXX XX/XX/year> from Venmo that my account was suspended and to send them a picture of my Driver 's License. After sending a picture of my IL driver 's license, they said my account was permanently suspended and would not tell why. I offered to explain every single one of my transactions to prove I do nothing illegal ( I'm an XXXX in the XXXX XXXX ... I don't do anything illegal for the sake of my security clearance... ) and they refused to explain and each emailed response became more hostile sounding, with my last one ( dated XXXX XXXX ) stating they would not be responding to me anymore. Again, all I'm asking for is an explanation on what in the world caused my account to be permanently suspended because I know as a 100 % fact I did not do any " illegal '' transactions and I've read through their terms and conditions and can not find anything that would be remotely related to any of my transactions. The last few transactions I did were : received money from a coworker, paid my dog sitter, and than donated money to a dog charity. 0 idea what in the world could trigger their system. I have read similar instances online from other XXXX  customers stating XXXX is extremely hostile and will close accounts randomly and even keep their money unless the CFPB intervenes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: TX

Complaint narrative:
I disputed a collection account from XXXX XXXX with the credit bureaus because the account shows conflicting and inaccurate information. The dates opened, last active, and last reported are inconsistent across bureaus, and the comments are vague and unverifiable. Despite my dispute, the information was not corrected or removed. This is harming my credit and violates the Fair Credit Reporting Act ( FCRA ). Im requesting the CFPB require deletion of this account due to unverifiable and inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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:
XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EXPERIANcredit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections - XXXX XXXX XXXX$9000.00} XXXX & XXXX {$610.00} These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

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 2025-07-06 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX  XXXX Your Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX. Amount {$10000.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX and co resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-07-06 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: NY

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the improper handling and reinsertion of a collection account on my credit report.

Unauthorized Sale and Transfer of My Personal Information The original creditor appears to have sold or transferred my personal identifying information to a third-party collection agency without my consent or knowledge. This transaction, if it occurred, was done without proper notice or legal authorization, thereby breaching my privacy and violating FCRAs requirement to ensure that the use and dissemination of consumer information is done with permissible purpose ( 15 U.S. Code 1681b ).

Duplicate or Reinserted Collection Account Without Proper Notice The collection agency has either reinserted a previously removed collection account or reported a duplicate entry of an account that already exists on my credit file. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted, the credit bureau must notify me in writing within 5 business days. I have received no such notification, meaning this reinsertion is both improper and unlawful.

Deceptive and Misleading Reporting Practices Reporting the same debt multiple times ( either through different collection agencies or using slightly altered account numbers ) is a tactic known as re-aging or double reporting, which is misleading and damages my credit unfairly. This practice violates 15 U.S. Code 1692e ( 8 ), which prohibits furnishing false or misleading credit information.

Failure to Validate Debt Upon Demand If the collection agency has failed to provide complete and verifiable validation of the debt after my request ( as required by 15 U.S. Code 1692g ), then their continued reporting constitutes continued collection activity without proper validation, which is illegal.

Violation of Accurate Reporting Requirements Credit bureaus are required under 15 U.S. Code 1681e ( b ) to maintain maximum possible accuracy in consumer credit reports. Allowing the same debt to appear twiceor allowing a removed account to be reinserted without proper protocoldemonstrates a reckless disregard for accuracy and my rights as a consumer.

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 2025-07-06 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: NY

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) concerning the improper handling and reinsertion of a collection account on my credit report.

Unauthorized Sale and Transfer of My Personal Information The original creditor appears to have sold or transferred my personal identifying information to a third-party collection agency without my consent or knowledge. This transaction, if it occurred, was done without proper notice or legal authorization, thereby breaching my privacy and violating FCRAs requirement to ensure that the use and dissemination of consumer information is done with permissible purpose ( 15 U.S. Code 1681b ).

Duplicate or Reinserted Collection Account Without Proper Notice The collection agency has either reinserted a previously removed collection account or reported a duplicate entry of an account that already exists on my credit file. According to 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), if a previously removed item is reinserted, the credit bureau must notify me in writing within 5 business days. I have received no such notification, meaning this reinsertion is both improper and unlawful.

Deceptive and Misleading Reporting Practices Reporting the same debt multiple times ( either through different collection agencies or using slightly altered account numbers ) is a tactic known as re-aging or double reporting, which is misleading and damages my credit unfairly. This practice violates 15 U.S. Code 1692e ( 8 ), which prohibits furnishing false or misleading credit information.

Failure to Validate Debt Upon Demand If the collection agency has failed to provide complete and verifiable validation of the debt after my request ( as required by 15 U.S. Code 1692g ), then their continued reporting constitutes continued collection activity without proper validation, which is illegal.

Violation of Accurate Reporting Requirements Credit bureaus are required under 15 U.S. Code 1681e ( b ) to maintain maximum possible accuracy in consumer credit reports. Allowing the same debt to appear twiceor allowing a removed account to be reinserted without proper protocoldemonstrates a reckless disregard for accuracy and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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