vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: NJ

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX  accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure

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 2025-06-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my numerous attempt to inform you that I am a victim of identity theft, and I am once again disputing certain items on my credit report that resulted from this fraudulent activity. I did not authorize, nor have I engaged in, any transactions related to the items in question. Therefore, I request that you remove any fraudulent information associated with my credit file. The items I am disputing are unfamiliar to me, and I have observed discrepancies in the information reported, including deletions by other credit bureaus and inconsistencies in the payment histories. These errors cast doubt on the accuracy of the information, and I am unable to verify any legitimate connection to these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-10 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: GA

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc. for reporting inaccurate and incomplete information regarding a XXXX XXXX account ending in XXXX on my credit report. 
1. Incomplete Account Number : The account listed by Experian does not contain a complete account number. Only a partial number is displayed ( XXXX ). This raises a significant concern as to how Experian was able to verify the account with the furnisher, XXXX XXXX, without a complete and accurate account number on file. According to the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain accurate and verifiable information. The lack of a complete account number undermines any claim that the information has been verified and is accurate. 
XXXX. Inaccurate Reporting of Late Payments : Experian is also reporting multiple late payments on this XXXX XXXX account. I dispute the accuracy of these late payments, and I assert that they violate 15 U.S. Code 1666b, which governs the timing of credit card payments. Under this law, a creditor must not treat a payment as late unless : The creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered at least 21 days before the payment due date. 

I have not been provided proof that XXXX XXXX adhered to this 21-day requirement. Therefore, the reporting of late payments without such verification constitutes unfair and inaccurate 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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I was unaware of the original attempt to collect this debt and was not aware that I was sued nor was I aware of any garnishment. The original date of the lawsuit was XX/XX/year>. And 6 years later I am now being garnished without any knowledge of the original attempt. Apparently the original date of collections is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Service, LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute Due to Equifax Data Breach Impact on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report and to notify you that my credit was adversely affected due to the Equifax data breach that occurred in XXXX. 
As a result of this breach, I have been informed that my personal and financial data were compromised, leading to potential identity theft and other financial losses. This breach has caused significant negative impacts on my credit report, including : Disputed Information Account Name : XXXX XXXX XXXX {$40000.00} and {$34000.00} both late payments, XXXX XXXX {$3600.00} Account Number : XXXX XXXX XXXX XXXX Nature of Dispute : Late payments, charge-offs, collections, etc. 


Date of First Delinquency/Negative Report : XXXX XXXX The loss of personal data due to the breach led to unauthorized inquiries, fraud, or misreporting of my credit history, which has impacted my credit score and financial standing. I have taken the necessary steps to protect my identity, including placing fraud alerts on my accounts and monitoring my credit reports. However, the damage caused by the breach is still being reflected in my credit report. 
I respectfully request that XXXX investigate these inaccuracies and remove any fraudulent or incorrect information that has resulted from the Equifax breach. If this information can not be verified, I ask that it be deleted immediately, as it was never authorized by me and resulted from circumstances outside of my control. 
In addition, I request that a full investigation be conducted to ensure that my credit report accurately reflects the situation following the breach and that I am not held liable for any fraudulent activity caused by the compromised data. 
Please send me a written response confirming the actions taken, along with an updated copy of my credit report showing the corrections. 
Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Dear Navy Federal, I apologize for having to file another CFPB complaint, but I am unable to connect with you guys over the phone. Ive tried that for the last few months ( especially in XXXX and XXXX ) and got no help or response. I usually dont get help unless I file a complaint. 
Ive had numerous issues with you previously, and moved all of my money to a secure account. I have had extreme debilitating health issues which have gotten worse over this year one of which is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) anymore. And my mother has XXXX XXXX and thats all the family has focused on the last few months. Any tiny bit of stress, such as this, knocks me XXXX XXXX XXXX 

On my bank account PDF I didnt download statements. Just looked at all the transaction history from XXXX XXXX until current. All in all the damage doesn't look to be too bad, but still a lot of money. Please get this fixed ASAP! 

I am filing a police report this week but you should already have police reports and correspondence/ documents on file. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX veteran. I can not take this! This is a major lawsuit! You dont help me at all and this continues to happen! 
Please get this fixed ASAP! I am begging you! I have to work with attorneys now to help fix this massive credit mess! My credit was spotless a year ago, and now all this XXXX piled up skyhigh from being XXXX XXXX having to get surgeries, testing, treatments done, etc. Taking care of my grandparents with XXXX, and my mother who just got XXXX XXXX XXXX  XXXX a few months ago. I really can not take this. Its literally XXXX XXXX 

Also, that account with the XXXX XXXX XXXXXXXX missing still hasn't been resolved or transferred into me. It is in an old message chat. Please look into it and get this resolved ASAP. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 

XX/XX/XXXXBankruptcy : acct. no : XXXX, XXXX XX/XX/XXXX : acct. no : XXXXXX/XX/XXXX acct. no : 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 2025-06-10 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: OH

Complaint narrative:
XXXX Funding Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX ( XXXX ) Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} Past Due XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} Past Due XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$88.00} Past Due XXXX XXXX XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : 120 Days Late XXXX Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account number unknown These entries were reported without my authorization and without proper verification. These are unauthorized derogatory accounts stemming from fraudulent activity or identity theft and per the FCRA and FDCPA, you are legally obligated to remove them if they can not be fully validated through the original creditor and documentation.

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 2025-06-10 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: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number unknown These entries were reported without my authorization and without proper verification. These are unauthorized derogatory accounts stemming from fraudulent activity or identity theft and per the FCRA and FDCPA, you are legally obligated to remove them if they can not be fully validated through the original creditor and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-06-10 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded 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 2025-06-10 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-10 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

Company response to consumer: Closed with non-monetary relief