vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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:
Identity Theft Affidavit XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To : TransUnion XXXX Equifax XXXX & Experian Date : XX/XX/XXXX Subject : Identity Theft Affidavit and Request for Removal of Fraudulent Information I, XXXX XXXX XXXX hereby declare that I am a victim of identity theft. I am challenging a dispute with the FTC report regarding the fraudulent items listed below and request their immediate removal from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. XXXX. Violations : XXXX. 15 U.S.C. XXXX Section XXXX A : I have the right to privacy. 
XXXX. 15 U.S.C. XXXX Section XXXX A, Section XXXX : A consumer reporting agency can not furnish an account without my written instructions. 
XXXX. 15 U.S.C. XXXXc ( a ) ( XXXX ) : No consumer reporting agency may make any consumer report containing adverse items of information that predate the report by more than XXXX years. 
XXXX. 15 U.S.C. XXXX ( a ) ( XXXX ) : A person shall not furnish any information relating to a consumer if they know or have reasonable cause to believe the information is inaccurate. 
Remove Unauthorized Fraudulent Accounts : XXXX. XXXX XXXX ( XXXX XXXX, XXXX, Opened : XX/XX/XXXX ) - {$5000.00} XXXX. XXXX XXXX XXXX XXXX XXXX, Opened : XX/XX/XXXX ) - {$1200.00} XXXX. XXXX XXXX XXXX ( XXXX, Opened : XX/XX/XXXX ) - {$5000.00} Legal Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA Sections XXXX & XXXX. If your company fails to comply, I will be required to take legal action, including a potential small claims suit, if you do not respond satisfactorily within XXXX  days of receipt of this certified letter. 
Thank you for your prompt attention to this urgent matter. Sincerely, 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 2025-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: NJ

Complaint narrative:
I received a notice in XXXX that XXXX XXXX was trying to collect a debt of {$1800.00}, which I knew to be related to a medical bill from XXXX XXXX XXXX XXXX XXXX. The 'service date ' is shown as XX/XX/XXXX. The bill in question was already being paid off, as part of a payment plan offered by the hospital itself, in which I am already currently paying off in installments of {$130.00} per month. In fact, I get an automated email every single month when the payments go through, and the hospital 's own payment portal shows an outstanding debt of {$0.00} because all the payments are already scheduled via autopay. By the time XXXX XXXX  sent me this letter, the amount they were trying to collect was already higher than the remaining total of my bill being autopayed ( and of course it wasn't a real debt at all, as the autopay is already scheduled and them collecting would amount to me paying twice the actual amount of the bill ). 

I sent back a dispute of the debt with all the information above, including documentation of the autopayments with the hospital 's portal and the shown remaining balance of {$0.00}. Yesterday, XX/XX/XXXX, I received another letter from XXXX dated XX/XX/XXXX ignoring the documentation in my dispute and saying that my dispute was invalid despite the provided documentation from the hospital itself. They are claiming I still need to send them {$1800.00}, despite this already being paid off through the hospital ( and not even the correct amount ). 

I am of course not going to pay more than twice the amount of the original bill just because XXXX XXXX ignored my original dispute and documentation. Their inability to take an effort to look into the validity of this debt, even when provided with documentation, is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: MS

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 XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-05-30 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX I did not apply for this account this is fraud and I need it 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 2025-05-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute an item on my credit report. The item in question is from XXXX XXXX XXXX XXXX XXXX ( XXXX ), and I believe it is unauthorized. 

Item details : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX Reported Amount : {$6100.00} Date Reported : XX/XX/year> I did not authorize this account or give permission for XXXX or any associated agency to report any debt to the credit bureaus on my behalf. I request that this entry be investigated and removed from my credit report unless verifiable proof of authorization and the legitimacy of the debt is provided. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate, incomplete, or unverifiable. Please provide me with documentation that supports the validity of this account and shows that I consented to it being reported. 

Attached are copies of my credit report with the item highlighted, as well as a copy of my ID and proof of address for verification. 

Please complete the investigation within 30 days of receipt of this letter. If the information can not be verified, it must be deleted from my report. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and/or creditors have failed to respond to my formal dispute letters within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S. Code 1681i ) . 

I submitted written disputes regarding inaccurate or unverifiable information on my credit report, and included all supporting documentation. According to the FCRA, these agencies are required to investigate and respond within 30 days. As of today, I have not received any response or resolution. 

This lack of response violates my rights under federal law, and I am requesting that the CFPB take appropriate action to enforce compliance. I am also attaching copies of the dispute letters I sent, along with proof of mailing and dates, to support my complaint.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because several credit reporting agencies and/or creditors have failed to respond to my formal dispute letters within the 30-day timeframe required under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( 15 U.S. Code 1681i ) . 

I submitted written disputes regarding inaccurate or unverifiable information on my credit report, and included all supporting documentation. According to the FCRA, these agencies are required to investigate and respond within 30 days. As of today, I have not received any response or resolution. 

This lack of response violates my rights under federal law, and I am requesting that the CFPB take appropriate action to enforce compliance. I am also attaching copies of the dispute letters I sent, along with proof of mailing and dates, to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * * * Balance {$0.00}

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 2025-05-30 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: IL

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX * * * * * * * * * * * * Balance {$0.00} XXXX XXXX * * * * * * Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

I looked at my XXXX XXXX XXXX TransUnion 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 XXXX ( XXXX ) ( b ). 

And according to 15 USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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 XXXX XXXX  ) 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 ( XXXX ) 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am demanding immediate action and full documentation regarding my Navy Federal account. Your institution informed meverbally, in writing, and through the CFPBthat the account was being closed. Yet I continue to receive statements, transaction notices, and most recently a withdrawal on XX/XX/XXXX. 

This issue directly relates to CFPB Complaint Case XXXX  : XXXX, in which Navy Federal falsely stated that my account was closed. That claim is demonstrably false, as I have continued receiving account activity, transaction notices, and email statements months after the alleged closure. Your official response to the CFPB directly contradicts my documented experience and raises the possibility of misrepresentation to a federal agency. 

This is not only contradictory, it's unauthorized financial activity. If the account was closed, Navy Federal should not be able to withdraw funds or maintain any active transaction system tied to it. Your continued use of my account after claiming closure is deceptive and possibly unlawful. 

The original justification was a rejected XXXX payment on XX/XX/XXXX from my aunt, XXXX XXXX. That payment was never deposited and was returned. Still, my account was labeled as " risky '' without clear explanation, flagged, and access to answers was denied. I was explicitly told by multiple employees that they were not allowed to discuss it. 

I am demanding the following actions : XXXX. A written explanation of the specific activity that triggered the account flag. 


XXXX. Documentation of any and all account activity after your claimed closure date, including who authorized it and how it was processed. 


XXXX. A formal account closure letter including closure date, final balance, and written assurance that no further transactions will occur. 


XXXX. Immediate removal of my name and data from any internal risk lists or third-party restrictions like XXXX. 


XXXX. Financial remedy for unauthorized access and usage of my personal financial account, failure to disclose cause, and the misleading closure claim issued to a federal agency. 



If this is not resolved within XXXX business days, I will escalate this to the XXXX, XXXX, CFPB XXXX team, and FTC, and reserve the right to pursue legal action for financial harm, account misuse, and misrepresentation to a government agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: WI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( 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. CXXXX XXXXXXXXe ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-30 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 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I submitted a dispute to Equifax regarding a XXXX XXXX account XXXX that is reporting inaccurate payment history and charge off details. After the dispute, Equifax updated the account in a way that now shows recent derogatory activity in XXXX, even though the account was resolved in XXXX. Ive reviewed XXXX different versions of this same account across Equifax reports, and each version contains different late payments, missing data, or inconsistent reporting. XXXX version shows payment activity after the charge-off date, which is incorrect and led to a credit denial in XX/XX/XXXX. 
Ive included a detailed dispute letter that explains the issues clearly, and Im requesting a full review. This is not my only complaint with Equifax, and I believe the information being reported and verified is inaccurate and unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
I am reaching out to request the removal of incorrect addresses from my credit report. The information being reported is inaccurate, and I have included the necessary documents to facilitate this correction. Please process this request promptly and ensure that these addresses are removed without delay.

Company response to consumer: Closed with explanation