vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian P.O. Box XXXX XXXX, TX XXXX RE : FORMAL DEMAND FOR IMMEDIATE DELETION OF UNAUTHORIZED PERSONAL IDENTIFIERS FCRA 1681e ( b ), 1681i, 1681n, 1681o To Whom It May Concern : This letter serves as an * * aggressive and formal legal demand * * under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., requiring your agency to immediately remove all inaccurate, unauthorized, and fraudulent personal identifiers appearing on my consumer report.

The following items * * ARE NOT MINE * *, have never been associated with me, and their reporting constitutes a direct violation of FCRA 1681e ( b ) : All incorrect or unverified addresses All telephone numbers not belonging to me All employment information not tied to my verifiable work history Your failure to maintain accurate information has created mixed-file risks and identity confusion, placing your agency in willful noncompliance with FCRA 1681n and 1681o should you fail to correct these errors upon notice. 
THE ONLY ACCURATE AND VERIFIED ADDRESSES THAT BELONG TO ME ARE : XXXX. XXXX XXXX XXXX XXXX, PA XXXX These Addresses below are not associated with me and need to be removed immediately. 

XXXX. XXXX XXXX XXXX, XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, PA XXXX No other addresses, phone numbers, or employment listings should appear on my file. 
Under FCRA 1681i, you are legally mandated to : 1. Conduct a reinvestigation within 30 days, 2. Delete all unverified or inaccurate information, 3. Provide written confirmation and an updated copy of my consumer report.

If you can not produce * * documented, verifiable proof * * that any disputed identifiers belong to me, they must be * * deleted immediately * *. Failure to comply will result in formal complaints filed with the CFPB, FTC, and Pennsylvania Attorney General, along with all other legal remedies available to me.

I expect written confirmation of removals without

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 2025-12-04 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: NV

Complaint narrative:
Dear XXXX, I am disputing the following charged-off accounts that I believe are inaccurate or incomplete on my Experian credit report. The details of the accounts in question are listed below : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} Inquiries : XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-12-04 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: CA

Complaint narrative:
I am disputing the following charged-off account on my Experian credit report : 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

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 2025-12-04 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 filing this because TransUnion is reporting inaccurate accounts and inquiries that appear unverifiable. My disputes were not properly investigated. 
Charged-Off Accounts TransUnion is reporting the following items inaccurately : 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 XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX Some accounts show incorrect balances, opening dates, or do not match my records. 

2. Unverified Hard Inquiries TransUnion is reporting inquiries that I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) These inquiries were not authorized and TransUnion has not validated them. 

3. Incorrect Late Payment Reporting TransUnion is reporting late payments for : XXXX XXXX XXXX  Acct : XXXXXXXX XXXX XXXXXXXX Acct : XXXX These late payments are being reported inaccurately. I requested verification and did not receive any proper documentation. 

I request that TransUnion remove all unverified, inaccurate, or incomplete information immediately as required under the FCRA.

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 2025-12-04 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: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized.

These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-12-04 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: IL

Complaint narrative:
Subject : Request for Investigation XXXX XXXX  Reporting Inaccurate and Unverifiable Charge-Off ( FCRA Violations ) I am filing this complaint because XXXX XXXX is reporting an inaccurate and unverifiable charge-off on my credit report. The account information they are furnishing violates several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting that the CFPB compel XXXX XXXXXXXX to conduct a lawful investigation and correct or delete the inaccurate data. 

Account Information at Issue : Creditor : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Revolving Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Pay Status : Charge-Off Balance Reported : {$480.00} Last Payment Reported : XX/XX/XXXX FCRA Violations Identified XXXX. FCRA 605 ( a ) XXXX XXXX is reporting information in a manner that is inaccurate, misleading, and inconsistent, which causes the account to appear more derogatory than it should. 
A charge-off account can not simultaneously show a balance, recent payment activity, or inconsistent status coding. 
The data is not being reported in a way that meets the accuracy and completeness requirements of 605 ( a ).

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or should reasonably know is inaccurate.

The account shows contradictory reporting elements ( recent payment during charge-off status, active balance while closed, inconsistent dates ).

These discrepancies prove the account is not being verified with accuracy before being furnished.

3. FCRA 623 ( a ) ( 2 ) XXXX XXXX has failed to update and correct information they previously supplied that is now inaccurate. 
4. FCRA 611 ( a ) ( 1 ) & 611 ( a ) ( 5 ) During my disputes to the credit bureaus, XXXX XXXX has not conducted a reasonable investigation, nor have they provided verifiable evidence supporting the charge-off reporting. 

A charge-off account can not legally show new payments ( XXXX XXXX is reporting last payment XX/XX/XXXX after charge-off closure date XX/XX/XXXX ). 
A charged-off account listed as Closed should not show an active balance unless correctly coded as transferred/sold. 
The furnisher is inconsistently reporting dates, making the entire tradeline unreliable and unverifiable. 
The data furnished does not meet the consumer protection and accuracy standards required under FCRA. 

Because the reporting is contradictory and unverifiable, the account does not meet the FCRAs minimum standards of accuracy and integrity, and therefore must be deleted.

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 2025-12-04 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: PA

Complaint narrative:
I dispute the following accounts listed on my Experian credit report. These items are inaccurate and must be thoroughly investigated and corrected immediately. 

Charged Off Accounts DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} DEPTEDXXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPTEDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I recently reviewed a copy report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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 recently reviewed a copy report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-04 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am filing a complaint because Navy Federal Credit Union has denied my debit card fraud claim twice for unauthorized transactions totaling {$5300.00}, even though I provided a police report and detailed documentation. 

My personal information was stolen during a vehicle theft incident. Police Report # : XXXX. I did not authorize any of the transactions, did not participate in them, and did not receive any merchandise or benefit of any kind. 

Navy Federal denied my claim and my appeal using the same generic message and did not provide : Any evidence that I authorized the transactions Any explanation of how the fraud was determined to be not an error Any documentation from the merchants Any compliance information regarding Regulation E This appears to be a failure to conduct a reasonable investigation as required by Regulation E ( Electronic Fund Transfer Act ).

I am requesting CFPB intervention to : 1. Require Navy Federal to properly investigate the claim 2. Require them to provide documentation supporting their denial 3. Require them to credit the unauthorized amount of {$5300.00} 4. Ensure compliance with all federal consumer protection requirements Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/XXXX -- {$2500.00} XXXX  # XXXX XX/XX/XXXX -- {$8600.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX BANK XXXX. ) # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRY : XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information reported by XXXX and Experian regarding a XXXX XXXX account listed as a charge-off. The date opened, amount, and account status are all incorrect or unverifiable. I previously disputed this under FCRA 607 ( b ) and 611 ( a ), and no original signed documentation or legal proof of debt has been provided.

This qualifies for immediate removal under FCRA 611 ( a ) ( 5 ) ( A ). I also invoke 611 ( a ) ( 5 ) ( B ) to prevent unlawful reinsertion. 

XXXX XXXX has a history of inaccurate data reporting ( see OCC Consent Order XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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