vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft due to a data breach. Certain accounts listed on my credit report were opened or used fraudulently without my knowledge or authorization.

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that all accounts resulting from this identity theft be permanently blocked and deleted from my credit file.

The following information is being provided in support of my request : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of current address ( e.g., utility bill, lease agreement, or bank statement ).

3. A copy of a police report or Identity Theft Report filed with the FTC.

4. A list of the fraudulent accounts appearing on my credit report, which I am requesting be blocked and removed. 
The fraudulent accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and permanently block and delete these items from my credit report as required by federal law. I also request written confirmation that this action has been taken. 
If you require any further information or documentation, feel free to contact me by mail or phone. 
Thank you for your attention to this urgent 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 2025-07-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft due to a data breach. Certain accounts listed on my credit report were opened or used fraudulently without my knowledge or authorization.

Pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that all accounts resulting from this identity theft be permanently blocked and deleted from my credit file.

The following information is being provided in support of my request : 1. A copy of a government-issued photo ID ( e.g., drivers license or passport ).

2. Proof of current address ( e.g., utility bill, lease agreement, or bank statement ).

3. A copy of a police report or Identity Theft Report filed with the FTC.

4. A list of the fraudulent accounts appearing on my credit report, which I am requesting be blocked and removed. 
The fraudulent accounts I am disputing are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate this matter and permanently block and delete these items from my credit report as required by federal law. I also request written confirmation that this action has been taken. 
If you require any further information or documentation, feel free to contact me by mail or phone. 
Thank you for your attention to this urgent 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 2025-07-14 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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXXXXXX Balance : {$6100.00}, XXXX  XXXX XXXX Balance : {$570.00}, XXXX  XXXX XXXX Balance : {$500.00}

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 2025-07-14 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:
I am filing this complaint because my credit report contains late payments reported that I believe are inaccurate and/or unverifiable under the Fair Credit Reporting Act ( FCRA ), specifically under 1681s-2 and 1681i. 
XXXX XXXX XXXX XXXXXXXX * * * Balance : {$0.00} XXXX  XXXX * * * * * Balance : {$2700.00} XXXX XXXXXXXX * Balance Owed : {$1200.00XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Company : Navy Federal Credit Union XXXX XXXX XXXX XXXX Description : I am filing this complaint against Navy Federal Credit Union for continuing to furnish inaccurate and damaging credit data to all XXXX  credit reporting agencies. Despite XXXXXXXX XXXX XXXXXXXX accounts in XXXX, NFCU continues to : - Report new XXXX notations monthly through XXXX - Record unauthorized payment activity ( e.g., {$35.00} in XX/XX/XXXX ) - Continues to Seize all funds or apply offsets without a written or verbal repayment plan These actions violate : - FCRA XXXX ( a ) ( XXXX ) ( A ) - FCRA XXXX ( a ) ( XXXX ) I request immediate correction of all data and discontinuation of unauthorized fund XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torriere Holdings INC
State: GA

Complaint narrative:
XX/XX/year> Dear XXXX XXXX XXXX, Re : Reference XXXX XXXXXXXX I am writing in regards to the above account for {$11000.00}, which you state I am responsible for that I never applied for. I do not care that they hired yall.The original company who sold you the debt, which is XXXX XXXX XXXX charged off this fraudulent account and sold it to XXXX XXXX XXXX XXXX and states that I am responsible for. This company sold this accused debt and I am not responsible for this fraudulent account. Under the FCRA, this company failed to comply, and it has led XXXX XXXX XXXX, breaching your own contract by violating the Arbitration Clause Act ( XXXX ), XXXX XXXX Code XXXX. 
Since this contract has been breached, I am demanding you in XXXX  days to remove this account associated with me. In this case, which is the only attempt ; failure to do so will result in complaints to : BBB, State Attorney General, FCRA violation complaint, CFPB Complaint as well as a lawsuit. I have also filed a police report regarding this matter and will be using it for evidence when I file my claim against this company for harassment, and being in violation. 
LAST WARNING TO STOP CONTACTING ME. I have already filed the necessary documents with XXXX XXXX XXXX  about this fraudulent account and they are aware. If you contact me again I will proceed with a lawsuit and seek for XXXX  and damages just like I did with XXXX 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 2025-07-14 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action.

Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner. 

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections. 

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX SECOND NOTICE FAILURE TO REMOVE INACCURATE ACCOUNT XXXX XXXX XXXX ( {$980.00} ) To Whom It May Concern : This letter serves as a final notice and demand to immediately delete the inaccurate and unverified account reported by XXXX XXXX XXXX XXXX XXXX amount of {$980.00}, which was the subject of my original dispute submitted on XX/XX/year>. 
As of today, Equifax has failed to comply with its legal obligation to conduct a reasonable and thorough reinvestigation under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ).

To reiterate : You are continuing to report inaccurate, incomplete, and unverified information.

No original creditor documentation, no signed contract, and no legally valid method of verification has been provided. 
XXXX XXXX XXXX is falsely presenting itself as the original creditor, which directly violates FCRA 1681s-2 ( a ) regarding the duties of information furnishers. 
I have already submitted complete and verifiable identification, including valid photo ID and proof of address. Do not delay or stall this process with further unnecessary requests for identity verification. Any attempt to use stall tactics or claim insufficient information is unacceptable, and will be treated as an act of bad faith and noncompliance under the FCRA. 
Under federal law, Equifax had XXXX calendar days to investigate, validate, or delete any disputed information. Your failure to do so demonstrates willful noncompliance, exposing Equifax to civil liability under 15 U.S.C. 1681n and 1681o. 

I am now demanding the following : Permanent deletion of the XXXX XXXX XXXX tradeline in the amount of {$980.00} from my Equifax credit report Written confirmation of deletion within XXXX business days of receiving this notice. 

If this matter is not resolved immediately, I will escalate without further notice : XXXX. File formal complaints with the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office ; XXXX. Submit documentation to the Better Business Bureau ( BBB ) and initiate consumer action for damages, including recovery of legal costs XXXX. Retain legal counsel and proceed with a civil lawsuit under FCRA, seeking full statutory and actual damages for your continued negligence. 
This is your final opportunity to resolve this matter voluntarily. I expect full compliance within XXXX business days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Reporting of a XXXX XXXX XXXX account ending in XXXX continues to appear on credit reports at Experian, XXXX, XXXX, and XXXX, showing charged-off and closed status despite account closure. On XX/XX/year>, a written request was sent asking for all related data to be removed and reporting to cease. The response denied removal and did not cite any contractual or legal basis for continued furnishing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am writing to formally dispute and report the unauthorized transfer and mismanagement of funds deposited into my Chime account, which are tied to my financial aid and educational support. 

Recently, I noticed that school-related funds that should have been deposited and accessible in my account are instead being moved to a secure account. These transactions were not authorized by me. I have not received clear information regarding the destination, ownership, or purpose of this so-called secure account, and your representatives have failed to provide adequate or verifiable answers. 

This situation is deeply distressing and potentially criminal. These funds are essential for my housing, food, education, and transportation, and their disappearance is putting me in a vulnerable position. Based on the descriptions in my transaction history, it appears that the account is being manipulated to reflect activity that I did not initiate or consent to. 

As a result, I am demanding the following : XXXX. A full transaction audit of my account for the past XXXX  days, especially related to transfers labeled secure account or similar. 

XXXX. The immediate return of all misdirected funds. 

XXXX. A written explanation of what the secure account is, who owns it, and who authorized these transfers. 

XXXX. A copy of your internal investigation findings regarding this issue. 

XXXX. A written resolution timeline. 


If this matter is not resolved within XXXX business days, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Better Business Bureau, and my State Attorney Generals Office. I also reserve the right to pursue legal action if the missing funds are not accounted for and returned. 

Please treat this as an urgent and time-sensitive matter. 

Sincerely, XXXX XXXX this what I sent chime because someone is transferring my money to a secure account in my name they won't explain anything to me they hang up on me they have stolen so much of my funding from s hool

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I noticed that there was a XXXX amount charge from XXXX that was not authorized on my card on XX/XX/XXXX. I called the bank fraud number on the back of my debit card and instead they closed out my account and I tried to call back and going through the auto system. It said that my balance was XXXX and I did not have an account with them the next business day I went to the bank and I had a friend give me a lift because all of my cards were not accessible to me and my debit card is my main card. I did not eat for a whole week as nobody at the bank took me seriously or was willing to give me written documentation that I was there, I went to the police station to get a police report number. The vice president of the bank told me to have my attorney called them and explain to them what regulation he was and what the fair bank act was as they refused and did not offer any type of hardship or access to my funds that whole week that I kept going to the bank, besides releasing my funds and trying to get me to close my account and I said no I wasnt gon na close the account until the dispute was completed because I didnt wan na lose that money but that interaction and engagement really caused me not just financial harm but like mentally and emotionally and physically because it caused me to not have access to any money so I did not eat for a whole week nor did I have money to have access to get my car out of the garage so friends were buying me lifts to get to the bank and their lack of empathy or assistance is just disrespectful. The tellers and the banker were laughing at me behind the screen and refused to open a new bank account for me and told me that its past five when they had me on the phone with fraud and told me I had to call fraud from the bank, so I came back the following day and then when the person on the phone fraud said that the banker has to be the one to make a new account for you they couldnt. The banker was frustrated and said no fraud was supposed to do that for you and I cant because its past five and you wasted time talking and when I looked at the time, it was XXXXXXXX XXXX and she said that they were closed however she did manage to make the time to stand behind the glass with the other tellers, laughing at me and they only thing they were willing to give me was a print out that changed on a daily basis

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 2025-07-14 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:
This complaint is being formally submitted to demand the immediate and permanent removal of all fraudulent, inaccurate, and unauthorized information appearing on my consumer credit report maintained by Experian, in full compliance with my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ).

You are hereby legally obligated to block all disputed information within four ( 4 ) business days of receiving this complaint, as mandated by federal law. Failure to do so constitutes a direct violation of the Fair Credit Reporting Act and may result in legal action and regulatory penalties. 

The following account and collection were fraudulently created without my knowledge, authorization, or consent, and are the result of identity theft : XXXX XXXX opened XX/XX/year> ( account number XXXX ) To support this demand, I have attached the following documentation : A full copy of my Experian consumer credit report showing the disputed items. An official FTC Identity Theft Report ( Complaint # [ XXXX ] ), filed with the U.S. Federal Trade Commission, verifying the above items as confirmed identity theft Let this serve as formal notice that I did not open, authorize, or initiate any of the above accounts, collections, or inquiries. They are 100 % fraudulent, and your continued reporting of these items violates 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 explanation