vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: MI

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$7000.00} XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$2000.00} XXXX XXXX, XXXX # XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance {$8500.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1400.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$440.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1800.00} DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX - Balance {$420.00} DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$4500.00} DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$4200.00} DEPTEDXXXX XXXX  XXXX - Date Opened XX/XX/XXXX - Balance {$1800.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$13000.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$2200.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$3500.00} DEPTEDXXXX XXXX XXXX - Date Opened XX/XX/XXXX - Balance {$1100.00} DEPTEDXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX - Balance {$1600.00} DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$590.00} DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$7100.00} DEPTEDXXXX  # XXXX - Date Opened XX/XX/XXXX - Balance {$3000.00} XXXX XXXX XXXX  XXXX - Date Opened XX/XX/XXXX - Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: EQUIFAX, INC.
State: DE

Complaint narrative:
It is really disappointing to see that unauthorized inquiries continue to show up on my credit report. I do not know what is causing this problem, but it needs to be resolved immediately. I am requesting that my submitted documents be looked at closely so this issue can be settled and I can have peace of mind again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am sending to formally dispute several inaccurate items on my credit report, which I recently reviewed and found to contain multiple errors that do not accurately reflect my credit history or financial responsibility. As a consumer, I am entitled under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported about me is complete, fair, and accurate. These inaccuracies, if not corrected, have caused and may continue to cause financial harm, confusion with lenders, and potential obstacles to obtaining credit or other financial services. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

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 2025-11-06 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: CA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the inaccurate and misleading information being reported on my consumer credit file. The false address and bankruptcy record listed below are not mine and have been causing continuous harm to my credit reputation and financial stability. These errors violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), which require accuracy, proper verification, and fair reporting of consumer information. I am requesting a full investigation, deletion, and written confirmation of correction for the following items. 

ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX This address is not connected to me. I have never lived or received mail there. Reporting this violates FCRA 1681c ( a ) ( 4 ) and 1681e ( b ) because it misrepresents my identity and fails to meet accuracy requirements. After several disputes, its continued presence proves XXXX failure to maintain reasonable verification procedures. Delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reference # XXXX This is a duplicate and conflicting entry for the same record. Maintaining duplicate, unverified public data violates FCRA 1681i ( a ) ( 5 ) and 1681e ( b ). Duplicate reporting creates confusion and damages my creditworthiness. I demand this be deleted immediately as unverifiable and misleading. 

These inaccuracies are damaging, misleading, and violate my federally protected consumer rights. I am requesting immediate investigation and deletion of all unverifiable and false information from my credit file. I expect confirmation in writing that these items have been permanently removed and that proper compliance steps have been followed. Failure to correct or respond promptly will result in further legal action and reporting to additional regulatory bodies.

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 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I am a XXXX resident who owned a Florida home. 

I have now sold my Florida home and require Truist to send all correspondence to my XXXX address. ( They used to do this years ago by the way ) Despite sending them 2 letters, with copies of my passport for identification, they have not done this. Both letters were sent by XXXX from the XXXX and both were signed for by Truist at their head office. 

In theory I can change my address using the App, but actually this does not work. Ive been trying for 3 months now but all that happens is the app says operational issues when you submit the change, Thats why I wrote. But they have ignored both letters.

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 2025-11-06 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: AZ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$710.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$0.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase support is not notating my account when I am calling in with a serious issue. I have made multiple calls to their support since XX/XX/XXXX and have two people oinline document my issue. This is for account ending in : XXXX. I have XXXX missing thats needed to pay my bills and no one can see that in the system even though i have reported the issue multiple times to multiple departments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-06 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: GA

Complaint narrative:
I am sending to formally dispute an entry on my credit report regarding an account that is inaccurately reported as a " late open. '' The account in question is with XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and currently shows a balance owed of {$2000.00}. After reviewing my credit report, I noticed this account does not accurately reflect the true history or timing of my payments.

As a consumer who values financial responsibility, I have always made every effort to meet my financial obligations promptly. I believe this reporting may have been the result of an error or delay in data transmission, and I request a full reinvestigation to ensure my credit file accurately reflects my payment history.

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 2025-11-06 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: GA

Complaint narrative:
I am sending to formally dispute an entry on my credit report regarding an account that is inaccurately reported as a " late open. '' The account in question is with XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and currently shows a balance owed of {$2000.00}. After reviewing my credit report, I noticed this account does not accurately reflect the true history or timing of my payments.

As a consumer who values financial responsibility, I have always made every effort to meet my financial obligations promptly. I believe this reporting may have been the result of an error or delay in data transmission, and I request a full reinvestigation to ensure my credit file accurately reflects my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Subject : Formal Dispute and Request for Deletion Under 15 U.S.C. 1635 and 15 U.S.C. 1681i Dear Credit Bureau Representative, I am formally disputing the accuracy and validity of the following account being reported on my credit file : Creditor / Collection Agency : National Credit Adjust Original Creditor : Cash One Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$310.00} Status : Collection Account, past due as of XX/XX/XXXX This account is being reported inaccurately and in violation of my rights under 15 U.S.C. 1635 ( Truth in Lending Act, Right of Rescission ). I exercised my right to rescind the underlying credit transaction because the lender failed to provide the required Truth in Lending disclosures and notice of my right to cancel. Once rescinded, the credit agreement and any associated obligations are null and void, and therefore no valid debt should exist or be reported to any consumer reporting agency. 



Despite this, the account remains on my credit report and continues to negatively affect my credit standing. This constitutes inaccurate reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure maximum possible accuracy and to promptly investigate disputed information. 



I am requesting that this account be deleted entirely from my credit report. Please conduct a full investigation and verify this information directly with the furnisher. If verification can not be substantiated with documentation proving that the underlying debt is valid and not rescinded, you are required by law to remove it. 



Please provide written confirmation of your investigation results and any changes made to my file within 30 days, as required under federal law. 



Attached are the following for your reference : A copy of my identification ( drivers license ) Proof of current address ( utility bill ) Documentation relating to my rescission notice and correspondence with the creditor Failure to comply with federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General. 



Thank you for your prompt attention to this matter. I expect to receive written confirmation of your findings within the time allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and noticed inaccuracies in certain accounts that need to be reported and corrected

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
To whom it may concern, I am formally disputing the accuracy and reinsertion of the VyStar Credit Union charge-off currently appearing on my credit file. This account has previously been disputed, yet it continues to reappear as verified without sufficient validation.

This reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) The CRA must conduct a reasonable reinvestigation of any disputed item, not a cursory automated verification.

15 U.S.C. 1681s-2 ( b ) The furnisher ( VyStar ) is obligated to conduct its own reasonable investigation and provide verified, accurate data.

15 U.S.C. 1681e ( b ) The CRA must ensure maximum possible accuracy of all information it reports.

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 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting Act this creditor has violated my right Under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish an account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX -- Balance : {$650.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$1200.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$730.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Balance - {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance - {$1800.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-06 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Good afternoon I disputed the transaction with the Navy Federal initially they gave me a credit as I did not initiate the transactions in XX/XX/year>. As of XX/XX/year>, they went ahead and charge my card without my authorization almost a year later unexpectedly for a charge that I did not authorize. I will be canceling my Navy Federal check-in account. They are unethical they dont work with any of their customers with any disputes And I would like this resolved immediately. Again, this is for Navy Federal credit Union unethically and unauthorized to charge my debit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: NY

Complaint narrative:
I am a consumer working to fix my credit. The following accounts are currently in dispute with Experian : Charged Off Accounts : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$620.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$9600.00} Inquiries : XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Late Payment Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2025-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX

Complaint narrative:
I sent XXXX USD on XX/XX/XXXX and never received the money in my XXXX bank account. I talked to moneygram and they put me on a 10 day waiting period while they investigated. They then proceed to tell me that the transfer was successful when I never received that money. Now they want to escalate again for 21 days but it leads me to believe that they are wasting my time at this point and will not refund me my money that they stole from me.

Company response to consumer: Closed with explanation