vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft. Multiple fraudulent accounts have been opened in my name without my knowledge or consent. I did not authorize these accounts and am not responsible for any associated charges or balances. 

The following unauthorized accounts have been identified with Navy Federal Credit Union : XXXX. * * Credit Card Account # XXXX * * Balance : {$2500.00} XXXX. * * Credit Card Account # XXXX * * Balance : {$2500.00} XXXX. * * Auto Loan Account # XXXX * * Balance : {$42000.00} An identity theft report has been filed with the * * Federal Trade Commission ( FTC ) A copy of the FTC report is enclosed with this letter and a copy of the police report. 

I am requesting that Navy Federal Credit Union conduct an immediate investigation, close these fraudulent accounts, and remove all related inquiries and negative information from my credit reports with all three major credit bureaus. 



Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

ALL of my personal information and identity was compromised through these following Data Breaches from year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The criminals who have stolen my identity have been able to unlock/unfreeze my credit report so that they may use my information without me or any of the credit bureaus being alerted that they have been accessing and using my information, ILLEGALLY. I've been reporting EVERYTHING to all XXXX credit bureaus for YEARS, however, they've failed to comply with little or no progress in removing any of these fraudulent items and inquires from my credit report, purposely damaging my credit score. 

It was only until XXXX days ago that the only thing they have done so far after all these years of waiting for them to remove everything is to put a freeze/lock on my credit report. I have been fighting with the all XXXX credit bureaus and collection agencies since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit report is being negatively affected by information being shared by Transunion, Experian, and Equifax. There are multiple accounts with inaccurate information. This information on the following accounts listed below is in direct violation of FCRA Regulations and all inaccuracies must be removed immediately. It is my right as a consumer to ask these bureaus to investigate these and it is their duty to uphold that right. All information reported must be shared only with maximum accuracy, any small discrepancy and it is a violation of FCRA Regulations. Any bankruptcy reported must be investigated because public records arent reported from courts ; the furnisher of information not being accurately reported is false reporting which is again a violation of FCRA false reporting act Inaccurate Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Highest balance : {$410.00} XXXX XXXX XXXX XXXX : XXXX Date opened : XX/XX/XXXX Highest Balance : {$310.00} XXXX XXXX XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}

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 2025-04-17 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/2025 Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX Experian XXXX. XXXX XXXX XXXX, XXXX Subject : Dispute of Inaccurate Credit Item FCRA 1681i To Whom It May Concern, I recently obtained my credit reports from all three nationwide consumer reporting agencies. I am writing to dispute the following item appearing on my Equifax report, also Experian report that doesnotappear on my TransUnion report, suggesting it may be incomplete, inaccurate, or improperly reported : Furnisher/Creditor : XXXX Account XXXX : Unknown Date XXXX Under the Fair Credit Reporting Act ( FCRA ), 15U.S.C.1681i, you are required to conduct a reasonable reinvestigation of any disputed information. Because TransUnion does not list this same negative entry, I believe Equifaxs and experian information inaccurate. According to the FCRA credit reports must be accurately reporting. 

Please : 1. Conduct a full reinvestigation of this item.

2. Forward all documentation you rely on to verify its accuracy.

3. Remove or correct this entry unless you can furnish definitive proof it belongs on my file.

4. Send me written confirmation of the results of your reinvestigation. 

according to 15 U.S. Code 1692g - Validation of debts Within five days after the initial communication with a consumer in connection with the collection of anydebt, a debt collector shall, unless the following information is contained in the initial communication or theconsumer has paid the debt, send theconsumer a written notice which I DID NOT Receive. 

This alleged debt has been sold to multiple collections as if I owe them legally therefore the debt has been brought and paid for I should have recieved a 10-99 form which I have NOT. 


Enclosed are : Proof of identity ( drivers license ) Proof of social security card Copy of Equifax/Experian current Complaints with the CFPB Please complete your investigation within the 30day period mandated by 15U.S.C.1681i ( a ). If you can not verify the item, it must be deleted from my file. Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im writing request resolutions to a series of issues regarding my now closed XXXX account that I opened in XXXX of 2024 for a promotional {$400.00} bonus after meeting direct deposit requirements. 

When I opened the account, I selected the XXXX sky miles card. I ensured I met the bonus requirements, including the required direct deposits which were made within a month. Despite fulfilling these requirements, I never received the {$400.00} bonus. 

In XXXX, I made a purchase at Target for {$93.00} and a week later I moved funds out of the account so that it would leave a {$1.00} balance while I was still awaiting this bonus. In XXXX or so, way after the expected timeframe of the bonus depositing, I was charged the {$95.00} annual fee, which I found out XXXX weeks later, while going to check if my bonus had come in. This annual fee caused my account to overdraft. 

Whats most concerning is that I was never notified about the overdraft by a call from Truist nor by email, I wasnt even notified that my account had been closed. I only discovered this XXXX days ago when trying to dispute the XXXX transaction as they refused to refund me despite me returning the items by mail ( which I have proof for ) and as well to check if the bonus was ever deposited. I feel completely blindsided by the closure and the lack of communication from Truist.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please review this complaint with the seriousness it warrants. This is not an error or a misunderstanding, my credit report contains mixed and inaccurate information, including accounts and transactions that I have no connection to. These discrepancies are deeply troubling and have caused ongoing stress and anxiety. I expect immediate investigation and corrective action to resolve 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 non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Report of Inaccurate Credit Reporting in Violation of 15 U.S.C. 1681b ( a ) ( 1 ) I am writing to formally address concerns regarding potentially inaccurate information being reported on my credit file, which may be in violation of 15 U.S.C. 1681b ( a ) ( 1 ). According to this statute, a person is prohibited from furnishing any information regarding a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Currently, XXXX XXXX, under the acquisition by the first debt buyer, XXXX XXXX XXXX, has been reporting a debt which was previously deleted from my credit file over a year ago. This raises concerns about the accuracy of the information being reported. 

Additionally, XXXX XXXX is reflecting an inaccurate balance on my credit report. It should be noted that this debt was similarly removed from my credit file over a year ago. 

Given these circumstances, I respectfully request an investigation into this matter to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Let me be clear I never applied for anything with your company, nor did I give you permission to run my credit. This inquiry is unauthorized and should not be on my report, period. Under the Fair Credit Reporting Act, youre not allowed to access someones credit without their direct consent, which you absolutely do not have in this case.

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 2025-04-16 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: EQUIFAX, INC.
State: PA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I had a student loan with Mohela that was deferred. Then out of no where my credit score dropped XXXX points. Mohela reported to the credit bureau that I was missing XXXX outstanding payments that I knew nothing about. The last time I checked my loan was deferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please review this complaint with the seriousness it warrants. This is not an error or a misunderstanding, my credit report contains mixed and inaccurate information, including accounts and transactions that I have no connection to. These discrepancies are deeply troubling and have caused ongoing stress and anxiety. I expect immediate investigation and corrective action to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: PA

Complaint narrative:
Thing on my credit report is not accurate please show proof of all verified accounts. I am aware of this agency claim that they investigated and have not. I am requesting a living person to help me. Please reinvestigate this issue, I have provided all my past investigations, and please provide proof that every investigation Has been conducted on a non-biased basis. Provide proof of each investigation with in 30 days or Update as paid as agreed due to inaccuracy ( which is ground for deletion ), I dont want my score to drop.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please review this complaint with the seriousness it warrants. This is not an error or a misunderstanding, my credit report contains mixed and inaccurate information, including accounts and transactions that I have no connection to. These discrepancies are deeply troubling and have caused ongoing stress and anxiety. I expect immediate investigation and corrective action to resolve 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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am filing a formal complaint regarding a XXXX  day late payment reported by EdFinancial Services on my student loan. This negative mark caused a serious drop in my XXXX XXXX and is damaging my financial standing and personal goals. 
I was never sent any billing statement, email, mail, or phone call informing me that my student loan payments had resumed. I was under the impression I was still in the XXXX forbearance period. I never received a statement 21 days before the alleged due date, which violates 15 U.S. Code 1666b the Timing of Payments provision. 
This provision mandates that creditors mail or deliver a periodic statement at least 21 days before payment is due to legally mark a payment as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian is reporting addresses on my credit report that does not belong to me. The incorrect information is causing me to difficulty to obtain new credit.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-16 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: CA

Complaint narrative:
XXXX  Inquiries : Informative : XX/XX/year>. XXXX XXXX : XX/XX/year>. Equifax Inquiries : Informative : XX/XX/year>. XXXX XXXX : XX/XX/year> 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/2025, I noticed and with other witnesses beside me had seen a variety of incorrect and incomplete information. According to the, Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate ( Kikoff Lend & Account # XXXX ) ( XXXX & Account # XXXXxxxx ) ( XXXX & Account # XXXX ) ( XXXX & Account # XXXX ) ( XXXX XXXXXXXX & Account # XXXX ) One more thing according to 15 USC 1681s-2, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows XXXX reasonable cause to believe that information is inaccurate. 

Check attachments below.

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