vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NJ

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
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a business credit card that I paid the complete balance in XX/XX/XXXX XXXX for {$590.00} my due date was XXXX XX/XX/year>. and the statement closing date was in XX/XX/year> date After that in XXXX I have another amount to pay after I paid the complete balance for {$5.00}, I called the bank to request an explaining because already the balance owed was paid. I was talking with some bank 's agent and told me that the money charged in XXXX was for a remaining amount pending to pay for {$330.00} XXXX make the payment for {$5.00} on XX/XX/year>, and now for XXXX again I have another remaining payment for {$.00} cents because still I have an amount of {$4.00} pending to pay, I called the bank again to make a claim and they told me that still there was an amount pending to pay, and today I was talking with them again to avoid more payments and someone there told me that my account is past due now because I didn't paid XXXX cents and that for the next statement for XXXX I have to pay {$.00} cents plus {$.00} cent as interest. 
How is possible this abuse! The agent told me today that in fact I have to pay {$2.00} dollars more because again the interest of the 100 % again it has produced. 
Please help me with that!!

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 2025-07-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union withdrew {$3200.00} from my savings account to cover a credit card balance of over {$16000.00} a credit card I never opened or authorized. 

This credit card account was created under my name by my mother without my knowledge or consent. I did not apply for this credit card, did not use it, and did not authorize any charges made on it. This is identity theft and financial fraud.

When I contacted Navy Federal, I informed them that I was not responsible for the account. However, they still withdrew {$3200.00} from my personal savings account without allowing me a chance to fully dispute the debt or go through their fraud process. They told me they can only return {$800.00} of the money taken, and they are refusing to return the remaining {$2400.00}.

I am asking Navy Federal to fully investigate this situation as a case of identity theft and return the full {$3200.00} taken from my account. I am also requesting that the {$16000.00} credit card debt be removed from my name and my credit report. I am the victim of fraud and should not be held liable for someone elses actions. 

I have documentation to prove that I did not authorize the account, and I am willing to cooperate fully with an investigation. I would also like to know why Navy Federal acted so quickly in taking my funds without allowing due process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I want to make it unequivocally clear that this complaint is not being submitted in error. My credit report contains multiple inaccuracies that clearly violate the legal requirement for maximum possible accuracy under federal law. These errors are entirely unacceptable and are causing serious and ongoing damage to my financial reputation and overall well-being.

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 2025-07-28 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: NC

Complaint narrative:
i was reviewing my reports an noticed accounts that did not belong to me i didnt authorize or sign up for.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent my XXXX XXXXr XXXX dollars. I had to type a random subject for the payment in and typed random letters that autocorrected to a word that got me suspended. Ive called everyday, confirmed my identity, and still no one has emailed me like the customer service reps said they would. I have money in there from my job and I cant access it at all because my account is suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I was a victim of identity theft and have provided all the documentation needed to the credit bureaus regarding this account. I have requested that this information is removed immediately before a litigation complaint is submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX in XXXX collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX in XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CBC Companies, Inc.
State: NJ

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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX accounts XXXX XXXX ( Partial XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) currently being reported inaccurately on my XXXX XXXX Experian credit report XXXX XXXX. On todays date, Experian notified me via email that they had completed an investigation and verified these accounts as accurate. However, this verification is incorrect, as the accounts still contain significant inaccuracies. 

All three accounts are being repeatedly reported as XXXX XXXX charged off XXXX XXXX for multiple consecutive months following the initial charge-off date. This constitutes XXXX XXXX illegal re-aging XXXX XXXX of the accounts, which is a direct XXXX XXXX violation of the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. A charge-off is a one-time event and should not be reflected in multiple subsequent months in the payment history. This misleading and inaccurate reporting damages my credit profile and misrepresents the status of the accounts. 

XXXX failure to properly investigate and correct these inaccuracies after being notified further demonstrates a XXXX XXXX failure to uphold their duty under federal law XXXX XXXX. 

I am demanding the XXXX XXXX immediate removal of all three accounts ( Partial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX from my Experian credit report due to these ongoing inaccuracies and consumer rights violations.

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 2025-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Hopefully this will be the last time I need to file a complaint regarding this still unresolved issue, but NewRez has yet to completely resolve my complaint. I have now learned who my phone payment on XX/XX/XXXX was refunded to and where the new {$55.00} charge was coming from. I received a voicemail on XX/XX/XXXX to return their call. When I called on XX/XX/XXXX I was told I owed this additional money but ( XXXX XXXX said it was related to the XXXX account change error and did not tell me about a change to my escrow account. I only learned about this increase when XXXX XXXX responded to my prior complaint XXXX XXXXXXXX. As per Swaneesee ( on XX/XX/XXXX ) my account is current, including escrow increase. 

The final unresolved issue, my credit reports have not been fixed to show I have never missed or been late on a mortgage payment. I have now spent XXXX year working to resolve your mistake and get ( accurate ) information about my account. My credit report needs to also be accurate.

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 2025-07-28 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 604 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XX/XX/XXXX, a charge-off account ( ending in XXXX ) was completely removed from my credit report. On XX/XX/XXXX, this same account reappeared on my Equifax credit report without any notification to me.

This violates the Fair Credit Reporting Act Section 611 ( a ) ( 5 ) ( B ), which requires written notice within 5 business days when previously deleted information is re-inserted into a credit report. 

Account Details : - Account opened : XX/XX/XXXX - Account type : Revolving credit card - Status : Charge-off - Balance : {$6900.00} - Date of first delinquency : XX/XX/XXXX Timeline : - XX/XX/XXXX : Account was removed from credit report - XX/XX/XXXX : Account reappeared on credit report - XX/XX/XXXX : I discovered the unauthorized re-insertion I never received the required written notification of this re-insertion. This improper reporting is damaging my credit score and preventing me from accessing business credit needed for my company. 

I request : 1. Immediate removal of this improperly re-inserted item 2. Investigation into the FCRA violation 3. Correction of my credit report with all three bureaus 4. Documentation of the remedial actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to report unauthorized access to my Chase bank account involving fraudulent XXXX transfers. Someone gained access to my online banking account without my permission and initiated multiple XXXX payments that I did not authorize. I did not approve these transactions nor knowingly send these funds. 

Following the unauthorized activity, the individual impersonated me by calling Chase to file a false claim in my name, attempting to receive additional funds. I later contacted Chase myself to report that I had not authorized those XXXX payments, that the previous claim was made fraudulently, and that my personal belongings and account access had been compromised. 

Chase has since denied my claim based on the fact that the same IP address was used for the transactions. However, I did not give consent to send these funds, and the transactions were made without my knowledge or authorization. The use of the same IP address alone should not be grounds for denial when the context involves compromised access and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXXXXXX XXXX XXXX  dated XXXX, XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-28 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: CA

Complaint narrative:
I am disputing an inaccurate collection reported by Equifax. 

On XX/XX/year>, we emailed our XXXX agent, XXXX XXXX, requesting cancellation of our renters insurance policy. The request was not acknowledged at the time, and the policy was not canceled promptly. As a result, the unpaid balance was sent to collections without notice. 

The agent later confirmed the cancellation was processed on XX/XX/year>, verifying our original request was valid. We were only made aware of the collection months later. Once notified, we immediately paid the balance in full on XX/XX/year>. 

We submitted disputes with both XXXX  and Equifax using the same documentation. XXXX  reviewed and removed the collection. Equifax, however, refused to remove it, even though the account has been settled and the issue was caused by a documented agent oversight. 

We are requesting that Equifax re-investigate and remove this collection, as it was the result of an acknowledged error and is now fully resolved. 

We have attached : Payment receipt from the collection agency Email acknowledgment/policy cancellation confirmationfrom the XXXX XXXX XXXX of the XX/XX/year> cancellation request email XXXX dispute resolution showing successful removal Equifax dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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