vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my TransUnion credit report and identified inaccurate reporting that is adversely affecting my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$190000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9100.00} XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$42000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} The above accounts are all being inaccurately reported with late payment notations. I have consistently made payments as agreed and have never missed or been late on these accounts. This inaccurate reporting is a direct violation of FCRA 1681e ( b ), which requires TransUnion to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: AP

Complaint narrative:
I am a XXXX % service-connected XXXX XXXX XXXX XXXX XXXX 

On or about XXXX XXXX XXXX XXXX, Navy Federal Credit Union unlawfully withdrew funds from my checking account ending in XXXX to make a payment toward my Navy Federal credit card. These funds came directly from my XXXX Clothing Allowance benefit, which is federally protected income.

I did not authorize this transfer or set up any automatic payment from this account. The funds used were part of my XXXX XXXXXXXX and Clothing Allowance, protected under federal law.

This action is a violation of 38 U.S.C. 5301 ( a ), which states that VA benefits shall not be liable to attachment, levy, or seizure by or under any legal or equitable process whatever. It is also a violation of 31 C.F.R. 212, which prohibits any financial institution from offsetting, freezing, or redirecting federal benefit payments to satisfy internal debts.

This unauthorized withdrawal occurred after I filed a previous complaint against Navy Federal for delaying my VA Disability Compensation, suggesting possible retaliation. 

Requested resolution : 1. Immediate reversal of the unauthorized withdrawal and full restoration of my VA Clothing Allowance funds.

2. Written confirmation that Navy Federal will cease all offsets, holds, or transfers involving VA-protected deposits.

3. A formal investigation into whether Navy Federal routinely uses veterans federally protected funds to cover internal credit obligations.

4. Enforcement of 38 U.S.C. 5301 and 31 C.F.R. 212 through CFPB oversight and appropriate civil penalties. 

I am attaching documentation showing the withdrawal from account ending in XXXX, my VA Clothing Allowance deposit, and prior communications with Navy Federal.

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 2025-09-30 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 is now my follow up dispute regarding inaccurate and unverifiable information being reported on my credit file. Despite my repeated good faith efforts, the same errors remain, which demonstrates a continued failure to comply with the Fair Credit Reporting Act. These items are directly harming my creditworthiness, and I am requesting their permanent deletion. 
The accounts being reported as charge-offs include : XXXX account number XXXXXXXX XXXX XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$8400.00} XXXX XXXX XXXXXXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  with a balance of {$13000.00} * * Each of these alleged debts exceeds {$600.00}, yet no 1099-C cancellation of debt form has ever been issued to me. Reporting these accounts as charge-offs without the legally required documentation is misleading, incomplete, and a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

In addition, I discovered unauthorized inquiries listed on my credit report, including : XXXX XXXX on XXXX XXXX XXXXXXXX XXXX on XXXX These inquiries were made without my authorization and lack a permissible purpose under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ). Their continued presence further violates FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining or using consumer reports under false pretenses or without consumer consent.

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 2025-09-30 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-09-30 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: GA

Complaint narrative:
b'I am writing to formally dispute inaccurate and/or omitted information currently reflected in my credit report. Upon reviewing my file, I discovered that multiple student loan accounts, as well as an auto loan account, are being reported inconsistently or in violation of federal law. Specifically, I dispute the following:\n XXXX  XXXX  XXXX  Balance: XXXX  \n The reporting of this account is inaccurate for the following reasons:\n\nOmission and Inconsistency: Several student loan accounts have either been omitted entirely or are not reported in alignment with how other credit bureaus reflect these same obligations. This creates discrepancies that misrepresent my overall credit profile.\n\nImproper Delinquency Reporting: Delinquencies are being reported for the above account during a period when consumers were protected under the CARES Act. Under the CARES Act, accounts that received accommodations such as forbearance, deferment, or modified payment arrangements were not to be reported as delinquent. The continued reporting of late payments during this protected period constitutes a violation of federal law.\n\nThe following statutes apply to this dispute:\n\nFCRA 623(a)(2): Requires furnishers of information to correct and update information to ensure it is accurate and complete.\n\nFCRA 611 (15 U.S.C. 1681i): Grants me the right to dispute inaccurate information and requires the credit reporting agency to conduct a prompt reinvestigation.\n\nFCRA 607(b) (15 U.S.C. 1681e(b)): Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy.\n\nCARES Act, Pub. L. 116-136 4021: Prohibits the reporting of accounts as delinquent when an accommodation was made due to the COVID-19 national emergency.\n\nFair Credit Billing Act (FCBA, 15 U.S.C. 1666): Protects against billing errors and inaccurate reporting of account activity.'

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because my credit reports maintained by the major credit reporting agencies ( XXXX XXXX XXXX XXXX  ) as well as certain secondary reporting agencies contain inaccurate or incomplete information. 

These errors include accounts and information that do not belong to me and/or are reported incorrectly. The presence of these inaccuracies is causing me financial harm and may negatively affect my ability to obtain credit and fair lending terms. 

I have not filed disputes directly with the bureaus. Instead, I am requesting that the Consumer Financial Protection Bureau ensure that each credit reporting company conducts a full and proper investigation into my reports and corrects or removes inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ). 

I am prepared to provide supporting documentation as needed, including identification and evidence of inaccuracies, to assist in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am submitting this complaint because my credit reports maintained by the major credit reporting agencies ( XXXX Equifax, and XXXX ) as well as certain secondary reporting agencies contain inaccurate or incomplete information. 

These errors include accounts and information that do not belong to me and/or are reported incorrectly. The presence of these inaccuracies is causing me financial harm and may negatively affect my ability to obtain credit and fair lending terms.

I have not filed disputes directly with the bureaus. Instead, I am requesting that the Consumer Financial Protection Bureau ensure that each credit reporting company conducts a full and proper investigation into my reports and corrects or removes inaccurate information, as required by the Fair Credit Reporting Act ( FCRA ). 

I am prepared to provide supporting documentation as needed, including identification and evidence of inaccuracies, to assist in resolving these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding the following account : Creditor : XXXX XXXX According to my records, this account has never been late, and all payments have been made on time. However, my credit report reflects XXXX or more late payments that are incorrect and damaging to my credit profile. 

Please investigate this matter and update the account to reflect a positive payment history with no late payments. I have included relevant supporting documentation such as bank statements and payment confirmations, if available, to assist with your review. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you complete this investigation within XXXX days and provide a written confirmation once the information has been corrected. 

Thank you for your prompt attention to this matter.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was involved in the Equifax data breach. My information had been used to gain credit cards, without my knowledge, vehicles, etc. I reached out to the Equifax data breach counselor in charge, to get my portion of the class action claims. They advised me that i have missed the deadline for this, and that basically there was nothing they could do. I am taking the blount of damage that was done to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AR

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full investigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I am exercising my rights under the following provisions of the Fair Credit Reporting Act ( FCRA ) : 611 ( 15 U.S.C. 1681i ) : Obligation to investigate disputed information 1681e ( b ) : Duty to ensure maximum possible accuracy 1681i ( a ) ( 5 ) : Removal of unverifiable or inaccurate information 604 : Permissible purpose for obtaining a consumer report

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 2025-09-30 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: FL

Complaint narrative:
This is now my follow up dispute regarding inaccurate and unverifiable information being reported on my credit file. Despite my repeated good faith efforts, the same errors remain, which demonstrates a continued failure to comply with the Fair Credit Reporting Act. These items are directly harming my creditworthiness, and I am requesting their permanent deletion. 
The accounts being reported as charge-offs include : XXXX account number XXXXXXXX XXXX XXXX with a balance of {$8900.00} XXXX XXXX XXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$8400.00} XXXX XXXX XXXXXXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  with a balance of {$13000.00} * * Each of these alleged debts exceeds {$600.00}, yet no 1099-C cancellation of debt form has ever been issued to me. Reporting these accounts as charge-offs without the legally required documentation is misleading, incomplete, and a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.

In addition, I discovered unauthorized inquiries listed on my credit report, including : XXXX XXXX on XXXX XXXX XXXXXXXX XXXX on XXXX These inquiries were made without my authorization and lack a permissible purpose under FCRA 604 ( a ) 15 U.S.C. 1681b ( a ). Their continued presence further violates FCRA 619 15 U.S.C. 1681q and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibit obtaining or using consumer reports under false pretenses or without consumer consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CT

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CT

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
XXXX XXXX is reporting {$24000.00} on my credit report which is fraudulent. This is hindering me from buying a home for my family. I need this deleted as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$37000.00}

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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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