vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting a review of my TransUnion credit report. I am actively working to repair my credit and want to ensure that all information reported is accurate, complete, and verifiable. 

Charged-Off Accounts in Dispute : No charged-off accounts are currently reported on my TransUnion report. Please verify that this information is accurate. 

Inquiries in Dispute : XXXX, XX/XX/year> I do not recall authorizing this inquiry. Please verify and remove if it can not be confirmed as authorized. 

Late Payments in Dispute : XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX/XXXX  Account # XXXX XXXX  Account # 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management ( XXXX ) is reporting a closed {$610.00} XXXX XXXX debt without proof of ownership. CFPB XXXX # XXXX confirms no signed purchase agreement, and XXXX XXXX XXXX XXXX  # XXXX ( XX/XX/XXXX ) confirms the account was sold to XXXX on XX/XX/XXXX. Reporting is unverified under FCRA 623. I request Trident provide the original signed purchase agreement or delete this account from all credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
XX/XX/year> Subject : Formal Complaint Failure to Credit Fraudulent Charge Despite Merchant Refund Agreement Summary of Complaint : I am filing this complaint against Navy Federal Credit Union regarding their refusal to issue a {$4500.00} credit to my credit card account for a charge that has been formally disputed as fraud. 

Details : On XX/XX/year>, I contacted the merchant, XXXX, to cancel lead generation services that were misrepresented and produced fraudulent or non-existent results. I paid {$4500.00} via my credit card type, last XXXX digits XXXX. 
On XX/XX/year>, I received a written response directly from the merchant ( XXXX XXXX XXXX, XXXX ) confirming their agreement to issue a full refund of {$4500.00}. The message stated : That said, we are happy to honor your request for a refund... we are happy to honor your request for a refund we trust that filings with the AG, CFPB, XXXX, or fraud claims will no longer be necessary. 

Despite this written commitment, the merchant has failed to process the refund for over 60 days, and my bank has refused to credit the disputed amount, even though they have received this written documentation confirming the merchants agreement. 

Timeline : XX/XX/year> : Dispute initiated with merchant and formal refund request made. 
XX/XX/year> : Merchant agreed in writing to issue full refund ( {$4500.00} ). 
XX/XX/year> : Supporting documents and merchant correspondence submitted to bank. 
XX/XX/year> : Received message from Navy FCU Fraud department stating supporting documentation was received, however, dispute was closed for insufficient supporting evidence to proceed with the dispute process. 
XX/XX/year> : Called Navy FCU and escalated call to XXXX XXXX located in Florida who confirmed receipt of the email dated XX/XX/year> from XXXX agreeing to refund the {$4500.00} and although over 60 days have passed and a refund still has not been processed ; the bank refuses to reject the charge and issue a credit back to the card. 

Supporting Evidence Provided to Bank : Merchants written agreement to issue refund ( email dated XX/XX/year> ). 
Original refund request email ( dated XX/XX/year> ). 
Proof of payment ( {$4500.00} transaction ). 
Ongoing correspondence with the banks dispute department.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Review all supporting materials ; the inquiries were placed without any forewarning and may not be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/year> we were given a ride from XXXX XXXX XXXX XXXX XXXX XXXX to our hotel XXXX XXXX XXXX XXXX XXXX XXXX a {$17.00} fare. I attempted to pay with my credit card. The card reader repeatedly displayed an error message and did not appear to process the payment. Thinking that it was my card. We then tried my wifes card from a different credit card company. Her card was declined by the same machine with the same error message. Because the merchant system was not excepting any electronic payments I paid the driver in cash, including a tip. 
Despite this both my card and my wifes card were later charged {$1000.00} each for the same failed transaction. 
I noticed this on the Barclays website a day later that I was charged this amount. I immediately filed fraud for the scam on their website. I also contacted the merchant. The merchant emailed me a sale refund for XXXX XXXX XXXX  and that I should see this on my account which I did. At that time I believed everything was taken care of. The merchant and I corresponded through XXXX. 
We continued our travels to different remote areas in XXXX. We arrived home XX/XX/XXXX. I received a letter in the mail from Barclays when we got home dated XX/XX/year>. Stating We attempted to contact you on XX/XX/year> and XX/XX/year> to obtain additional information to support your claim. Since we have not received a response, we have close our investigation. The transaction was placed into dispute status. Not sure how they tried to contact me. 
I wrote several letters explaining my dispute which they allowed me to reopen, the last one was XX/XX/year>. I asked for a detailed written explanation of the basis for their decision to deny and copies of any evidence or records provided by the merchant that you use to reach your decision. The last letter I received from them was XX/XX/year> XXXX days before my last dispute letter. They never got back to me after XX/XX/XXXX. Ive also called them and was told that a supervisor would call me within XXXX hours. Im still waiting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: OH

Complaint narrative:
I am submitting a dispute to Equifax regarding the following accounts. I request that these items be thoroughly reviewed, and if any of them can not be verified, they be deleted from my credit report as required by the FCRA. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX, XXXX, XX/XX/XXXX, {$4600.00} XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$3600.00} XXXX, XXXX, XX/XX/XXXX, {$2100.00} XXXX, XXXX, XX/XX/XXXX, {$4700.00} XXXX, XXXX, XX/XX/XXXX, {$2200.00} XXXX, XXXX, XX/XX/XXXX, {$5800.00} XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$24.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXX/XX/XXXX Late Payment : XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: MN

Complaint narrative:
I am submitting this complaint to dispute the following accounts on my TransUnion credit report. I believe these items are inaccurate and should be removed or corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Late Payments : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccuracies in my credit report. I request an investigation into the following accounts in dispute for each credit bureau ( Equifax, XXXX XXXX XXXX  ). Please review the accounts and inquiries listed below, and if any information can not be verified, I request that the items be corrected or removed from my credit report as per the Fair Credit Reporting Act ( FCRA ). 
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) to address the inaccuracies in my credit report. I request an investigation into the following accounts in dispute for each credit bureau ( EquifaxXXXX XXXX XXXX XXXX  ). Please review the accounts and inquiries listed below, and if any information can not be verified, I request that the items be corrected or removed from my credit report as per the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 Code 1666B 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 ( FCBA ) 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 2025-11-03 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: LA

Complaint narrative:
I am disputing the following accounts as they do not accurately reflect my credit history. I request a thorough review and correction of these items in accordance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX, Account # XXXXXXXX XXXX  Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
I recently reviewed my credit report and discovered several inaccuracies. According to 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2025-11-03 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: NJ

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b.

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, 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 2025-11-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: DC

Complaint narrative:
I requested the information Incomm reviewed that resulted in declining my claim for unauthorized activity and never received such information. Claim XXXX for {$24.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MD

Complaint narrative:
The attached accounts violate the Fair Credit Reporting Act due to the inclusion of information that is inaccurate. These inaccuracies have caused me harm, and I am requesting that they be removed to resolve this 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