vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified information being reported on my consumer credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

I have disputed multiple accounts directly with the consumer reporting agencies and the data furnishers. Despite these disputes, the information continues to be reported without proper validation, contractual proof, or evidence of a lawful obligation. 

The companies reporting the inaccurate information have failed to provide : A copy of an original signed agreement bearing my signature Proof of legal ownership or assignment of the alleged debts A complete and accurate accounting of the balances claimed Evidence of a reasonable investigation as required by law Specifically, the following accounts are being reported without lawful verification : Central Portfolio Control ( collection account ) XXXX XXXX XXXX XXXX XXXX XXXX ( collection account ) The continued reporting of these accounts without verification constitutes a violation of : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i Failure to conduct a reasonable reinvestigation FCRA 1681g Failure to disclose the nature and source of the information FCRA 1681s-2 ( b ) Failure of furnishers to properly investigate disputed information FDCPA 1692e and 1692g False representation and failure to validate debt I am requesting that the CFPB require the companies involved to : 1. Provide full documentary verification of the alleged debts, or 2. Immediately delete the unverified accounts from all consumer reporting agencies I am also requesting confirmation that these companies cease any further inaccurate reporting and comply fully with federal consumer protection laws. 

Thank you for your assistance in enforcing my rights as a consumer.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Hi, I filed a few disputes in my Cash App account because of wrong amount charged. Ive been on the phone with Cash App, and support chat, to try to upload additional evidence through my account statement that shows deposit id, time, and amount. 

Cash App support is refusing to collect this information, and have closed my account. I know they have the ability to close any account at any time, and Im not disputing that. Im annoyed that theyre not letting me add addititional information regarding my dispute. It is as if they dont want to investigate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am submitting this complaint because Navy Federal Credit Union has misclassified my situation and wrongly held me responsible for losses resulting from an account takeover. The transactions on my account prior to the dispute were fully authorized by me, and there was no fraud related to those original charges. The actual fraud occurred when an unauthorized individual gained access to my Navy Federal account, filed a dispute in my name without my knowledge or consent, and then used or transferred the provisional credit that Navy Federal issued based on that fraudulent dispute.

When I spoke with Navy Federal on XX/XX/, 2023, I clearly stated that I did not file the dispute, that the original underlying transactions were legitimate and authorized, and that I did not spend any of the provisional credit. I also explained that someone else had accessed my account. Instead of correctly identifying this as a case of unauthorized account access and account takeover, Navy Federal interpreted my statements as a request to cancel a claim that I never submitted. Their response in the CFPB portal claims that I asked for the dispute to be canceled, which is factually incorrect and directly contradicts the information I provided. 

As a result of this misclassification, Navy Federal reversed the provisional credit that had been issued to the fraudster, treated the resulting negative balance as my responsibility, closed my checking account, and reported the matter in a way that negatively affects my ability to obtain banking services. Navy Federal did not conduct a proper investigation into the unauthorized access to my account and failed to follow appropriate procedures for account takeover incidents. Their actions have caused financial harm and reputational damage.

I am requesting that Navy Federal reclassify my situation as account takeover fraud, review the recorded call from XX/XX/ 2023, remove any negative balance or associated reporting stemming from the fraudsters actions, and reopen and properly investigate this matter under the correct fraud category. Navy Federals handling of this situation represents a failure to protect my account and a failure to provide an accurate or fair resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a consumer who is disputing the accuracy of the information reflected in my credit report. I request that each of these items be thoroughly investigated and, if inaccurate, removed in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} CAPITAL XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$17000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Late Payments : XXXX XXXX Account Number : XXXX 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US CXX/XX/XXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
To Whom It May Concern : I am requesting validation of the alleged debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXg. I do not acknowledge this debt, and I request the following information : XXXX. The name and address of the original creditor. 
XXXX. The amount of the alleged debt, including an itemized breakdown of fees and interest. 
XXXX. Documentation bearing my signature showing that I am legally obligated to pay this debt. 
XXXX. Proof that your agency is licensed to collect debts in my state. 
XXXX. A full accounting of the chain of custody if the debt was sold or transferred. 

Please note that until you provide the documentation requested, you must cease all collection activity, including reporting this debt to credit bureaus. Any failure to comply may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or my states Attorney General. 

I expect a response within the timeframe allowed by law. Hi 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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint because several items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to have these items corrected through the bureaus directly, but the results have been inconsistent or unresolved. I am requesting the CFPB 's help to ensure each bureau properly investigates and corrects these issues as required under the FCRA. 
XXXX. Charged-Off Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Date XX/XX/year> Balance {$7100.00} * * I dispute this entry because I have not received any proper debt validation. The dates and balance appear inconsistent, and I question whether XXXX has the right to report or collect this account. 

XXXX Acct # XXXXXXXX XXXX XXXX Reported Date XX/XX/year> Balance {$2800.00} * * I dispute the accuracy of this balance and the reporting. XXXX has not provided verification despite previous requests. 

XXXX. Late Payments XXXX Money Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX These late payments are being reported inaccurately. I request verification of the alleged delinquencies. If supporting documentation can not be provided, these marks should be removed.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate items, false addresses, and incorrect account reporting that violate the Fair Credit Reporting Act ( FCRA ). These errors are causing me financial harm, emotional stress, and repeated denials for credit and housing. I am requesting CFPB intervention because the credit bureaus and furnishers have failed to properly investigate and correct these issues even though the information is clearly inaccurate and unverifiable. Under FCRA Sections 602, 603, 604, 607 ( b ), 611, and 623, all information must be complete and accurate, and any unverifiable or incorrect items must be immediately corrected or deleted. 

XXXX XXXX XXXX XXXX XXXX, IL XXXX Issue : Wrong Address I have never lived at this address and it has no connection to me. This is a mixed file error and violates FCRA accuracy requirements. 

XXXX XXXX XXXX PL XXXX, IL XXXX Issue : Wrong Address This is not my address. I never used it for any purpose. This creates identity confusion and should have never been reported. 

XXXX XXXX Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$490.00} * * Issue : Late Payment ( Incorrect Reporting ) The reported late payment is false. I was never late and the furnisher has not provided any proof. This violates FCRA 623 ( a ) ( 1 ) ( A ) because they are reporting inaccurate information. 

XXXX XXXX AUTO Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} * * Issue : Late Payment ( Incorrect Reporting ) This late payment is incorrect. I paid on time and never missed a payment. The credit bureaus continue to show false delinquency without providing verification. 

I C SYSTEM ( Original Creditor : XXXX XXXX ) Acct : XXXX * * Date Opened : XX/XX/XXXX Balance : {$460.00} * * Issue : Collection ( Not My Account ) This is not my account. I never opened any XXXX account and I do not owe this debt. The furnisher failed to provide any valid documentation with my signature. This violates FCRA XXXX ( b ) and FDCPA debt validation requirements. 

XXXX XXXX Dated : XX/XX/XXXX Issue : Unauthorized Inquiry I did not authorize or apply for any Lightstream credit. This inquiry violates FCRA XXXX XXXX because there was no permissible purpose. 

These inaccurate items are damaging my XXXX XXXX, limiting my financial opportunities, and causing long-term harm. I am requesting that the CFPB require the credit bureaus and XXXX to conduct a full investigation, provide proper verification, and delete or correct any information that can not be legally verified. I am requesting immediate action.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I respectfully request that each of these items be reviewed and corrected to ensure they are accurately reflected in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX, XXXX, XX/XX/XXXX, {$660.00} XXXX, XXXX, XX/XX/XXXX, {$2400.00} INQUIRIES XXXX, XX/XX/XXXX CAP XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following accounts that are inaccurately reported on my credit report. I request that they be investigated and corrected as necessary in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts XXXX XXXX, XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : 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 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX ACCOUNTS WERE DELETED BUT STILL CHARGED

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