vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX, Equifax XXXX XXXXXXXX XXXX report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 general, 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX ( XXXX ) XXXX or ( XXXX ) XXXX XXXX To Whom It XXXX Concern, Navy Federal Credit Union XXXX : Unauthorized Account and Credit Card Accounts Opened Without Consent I am writing to file a formal complaint regarding serious unauthorized financial activity under the name of an incarcerated individual. While in custody and without the ability to access financial institutions, Navy Federal Credit Union allowed accounts to be opened in their name without consent or authorization. 

Specifically, in addition to the unauthorized bank account, XXXX credit cards were issued and subsequently maxed out. This has created significant financial harm, misrepresentation of the individuals credit, and raises serious concerns about XXXX XXXX account verification and fraud prevention procedures. 

When this matter was discovered, I immediately reached out to XXXX XXXX and provided all necessary documentation, including a police report, to support the claim of identity theft and unauthorized account activity. Despite this, XXXX XXXX denied the claim entirely, refusing to take corrective action or acknowledge the evidence provided. This denial demonstrates a failure to properly investigate and a disregard for the protections owed to consumers. 

As the incarcerated individual did not, and could not, authorize these accounts, I am requesting an immediate reinvestigation into this matter, the closure of all unauthorized accounts, removal of fraudulent charges, and written confirmation that no financial liability will be assigned to the victim. I also request a full explanation of how these accounts were opened without proper identity verification safeguards and why the prior complaint, supported by documentation and a police report, was improperly denied. 


I am now escalating this issue with federal regulators, including the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX ( XXXX ), and any other appropriate oversight agencies. 

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 2025-09-08 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: FL

Complaint narrative:
Several months ago, I identified multiple accounts on my credit file that do not belong to me and appear to be the result of fraudulent activity. In accordance with the Fair Credit Reporting Act ( FCRA ), I submitted a written dispute along with an FTC Identity Theft Report, requesting proper validation for each disputed account, including copies of the original signed contracts or other documentation used to verify their accuracy. 

Despite submitting my request over XXXX months ago, I have not received any of the following : XXXX. Copies of the original signed contracts ; XXXX. The method of verification relied upon ; XXXX. The names of the individuals or representatives contacted at the furnishing companies. 

Additionally, the disputed accounts remain on my credit report. This constitutes a failure to provide the legally required validation under the FCRA, and I respectfully demand that the unverifiable accounts be removed immediately. 

Please provide the requested documentation or confirm deletion of these accounts within the timeframes outlined by federal law.

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 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had a XXXX XXXX credit card with XXXX Bank. At the time, my balance was about {$59.00}, and I intended to pay it. However, when I attempted to make the payment, the account suddenly showed a balance of over {$600.00}. 

I dispute this balance because I never agreed to or authorized any charges that would increase the account from {$59.00} to over {$600.00}. I was ready to pay the original {$59.00} balance, but the company failed to process this correctly and instead reported a much higher amount. 

Now they have charged off the account and sold it to XXXX XXXX XXXX. This account is being reported inaccurately, and I should not be responsible for paying hundreds of dollars beyond the original balance that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me. 
.

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 2025-09-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am an Independent XXXX ( XXXXXXXX XXXX  ) and I have an approved loan on 2020 ( Disaster XXXX Economic Injury ), with an amount of {$28000.00}, which was deposited into my personal Chase XXXX bank account XXXX 

When I tried to use the money, the bank frozen the funds for my use of them, claiming that I do not have a registered company for the use of said funds, and additionally, they closed my bank account. 

I then contacted the XXXX to inform them of what Chase Bank had done with my loan, and they responded that they didn't understand why the bank had taken these actions, since they ( the XXXX ) had decided to XXXX me the loan. They also told me that they had sent those funds to Chase Bank, and that the bank had not returned them to the XXXX, and therefore the loan continued to appear in my records as active. 

I have been charged late fees interest since for more than 2 years ago, and I dont have that money. 

I have filed numerous complaints with Chase Bank, requesting information about the funds. To date, Chase Bank has been unable to provide me with a reason or a transaction number for where the funds were redirected. I have not received any valid response from the bank. 

My current situation is that I have to pay a loan that appears active with the XXXX, but I never used the funds because they were in my account for a few days, and the receiving bank then used them. 

Please ; provide me the next steps how to clarify this situation and find the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Complaint and Request for Investigation of Inaccurate and Unverified Accounts Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint regarding inaccurate, incomplete, and unverifiable information that continues to appear on my credit reports maintained by Experian , Equifax , and TransUnion . 
Despite prior disputes, the accounts listed above remain without proper verification. 
My rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) include, but are not limited to : - * * 15 U.S.C. 1681i ( FCRA 611 ) : * * Credit reporting agencies must conduct a reasonable reinvestigation and delete any item that can not be verified.- * * 15 U.S.C. 1681e ( b ) ( FCRA 607 ( b ) ) : * * Credit reporting agencies must ensure maximum possible accuracy.- * * 15 U.S.C. 1681c-2 ( FCRA 605B ) : * * Fraudulent or identity theft-related accounts must be blocked within four business days.- * * 15 U.S.C. 1692g ( FDCPA 809 ) : * * Debt collectors must provide proper validation of alleged debts upon request. 
I have repeatedly requested validation and correction from the credit bureaus and furnishers. However, the following issues remain unresolved : - Accounts are being reported as active collections without proper verification or documentation.- Some accounts list incorrect balances, statuses, or dates of last payment. 
- My personal information is inaccurately reported. My correct legal name is * * XXXX XXXX XXXX XXXX * *. All misspellings, aliases, or outdated addresses must be removed. 
These errors are causing significant and unfair harm to my creditworthiness. I request that the CFPB intervene to ensure compliance with federal law and that the credit reporting agencies and furnishers provide proper validation or remove the accounts in question. 
Failure to comply constitutes willful noncompliance under * * 15 U.S.C. 1681n & 1681o * *, which provides for civil liability.

I respectfully request that the CFPB investigate this matter and require the credit bureaus and furnishers to correct or delete these accounts in accordance with federal law. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX IL XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXXXXXX XXXX  XXXX that they do not report or furnish XXXX proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the XXXX account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX  lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly harmed both my credit and my score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. The continued presence of these fraudulent entries is alarming and strongly suggests possible identity theft. This unresolved issue is causing ongoing financial and emotional harm.

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 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello, I currently have a checking account with CITIBANK. 
I went into XXXX of their banks on XXXX  XX/XX/XXXX, around XXXX. I made a cash deposit for {$980.00} at XXXX of the ATM machines. The one in the middle. The machine never gave me a receipt but when I deposit cash It usually posts in my account right away. I checked my account and it never posted. I called the bank and they said there is no record of a deposit being made. 
This is a huge inconvenience to me because I needed that money in my account to pay bills. Their machine in this building is obviously not working correctly and now it needs to be investigated. They can look at the cameras and see I was there and made a cash deposit. I went to the branch at XXXX XXXX XXXX XXXX, XXXX, IL 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 monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I was granted permission by my apartment management to extend my lease on a month-to-month basis provided that I paid the prorated rent plus the month-to-month fee. My lease extension covered XX/XX/XXXX, and I paid these amounts in full. Despite this, the collection agency is reporting that I failed to provide sufficient notice and owe rent for XXXX, which is false. 

I have proof that my apartment complex instructed me to notify them if I planned to move before XXXX. I informed management on XX/XX/XXXX, but they are incorrectly claiming I did not notify them until XXXX. 

Since XX/XX/XXXX, I have made repeated attempts to contact the apartment complex to correct this error, but my calls and requests have gone unanswered. 

Because the reported balance is based on false information and can not be verified, I respectfully request that this collection account be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 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 2025-09-08 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) 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.

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 2025-09-08 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:
These accounts are being reported under my name without my knowledge or authorization, and I have never opened, authorized, or managed them. This is entirely unacceptable and represents false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these fraudulent accounts has caused significant concern and distress.

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 2025-09-08 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: NV

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 explanation