vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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:
XX/XX/XXXX these accounts are also way past the statue of reporting which is 7 years! 

None of the illegal accounts/INQUIRIES below is tied to any of my addresses, they were all illegally opened. By FTC and FCRA these ACCOUNTS MUST BE REMOVED WITHIN 30 DAYS OF RECEIPT OF NOTICE Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX  . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

These addresses nor accounts are tied my Equifax report and these illegal items needs to be removed Immediately. This is seriously causing a delinquency on my score. These accounts are not listed on my ADDRESS ON MY EQUIFAX AND NEEDS TO BE REMOVED ASAP! 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, Equifax, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: 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 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 2025-05-15 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 2025-05-15 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: IN

Complaint narrative:
XX/XX/year> Subject : Complaint Regarding Unresolved Credit Card Dispute with Best Buy Credit Services ( Citi ) Amount : {$1000.00} Account Ending : XXXX Dispute Case ID : XXXX To Whom It XXXX Concern, I am filing this complaint regarding an unresolved dispute with Best Buy Credit Services, operated by Citibank, for a charge of {$1000.00} made on XX/XX/year>, at the XXXX, IN Best Buy location. The transaction was for a XXXX XXXX XXXX ( XXXX + XXXX ) that I never received. 

Summary of Events : I placed an online order and picked it up in-store the same day. 

When I returned to the office, I immediately noticed the box was unusually light. Upon closer examination, I saw that the seal had been cleanly cut and the box showed signs of tampering. 

I did not open the box. I returned to the store within XXXX minutes and reported the issue directly to the store XXXX. 

The XXXX reviewed the box and acknowledged the condition. I was instructed to file a dispute with the card issuer, and was assured Best Buy would not contest the claim. 

I also filed a police report with the XXXX XXXX Police Department to document the missing/stolen item. 

Police Report # : XXXX I submitted a dispute to Citi ( Case ID : XXXX ), along with photo evidence and a detailed written statement. 

Citi denied the claim, citing that the receipt was signed and the card was present at the time of pickup, without addressing the evidence of tampering or the store 's acknowledgment of the issue. 


Why XXXX XXXX This Complaint : I am seeking CFPBs assistance in reopening or escalating this claim. I acted in good faith, followed all recommended steps, reported the issue immediately, involved law enforcement, and was directly instructed by Best Buy staff to dispute the charge. 

XXXX response disregarded these critical facts and focused only on technicalities, failing to consider that the product was never actually in my possession. 

Supporting Evidence : Receipt from Best Buy Photos of the tampered box Police report Denial letter from Citi Timeline of communication I am requesting that Citi and Best Buy Credit Services be held accountable and that this dispute be resolved fairly and fully refunded. I am also willing to submit any additional documentation needed for review. 

Thank you for your time and support. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
I decided to look into my credit report and noticed several accounts with XXXX  that were not opened by me. The accounts are XXXX, XXXX, XXXX, XXXX. I contacted the FTC and filed an identity theft report because I was not sure how to handle it, FTC report # XXXX. I tried to dispute the account through Experian but it is too difficult. Experian report # XXXX. I have attached the FTC report and documents required as per FCRA 605 ( b ) and would like this information blocked. Thank you

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 2025-05-15 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) for their negligent handling of a refund I was owed by XXXX XXXX. Navy Federal initially acknowledged the issue and offered to assist with a 3-way call. When I called to follow up, I was told this was " not proper. '' My refund was held for months, resulting in the collapse of my trucking business due to expired insurance, missed loads, and inability to operate. 

This delay triggered negative auto-debits, a closed checking account, and multiple derogatory tradelines all avoidable had NFCU acted responsibly. Even after I filed complaints and NFCU released the funds, they left all the negative items on my credit. I submitted identity theft documents, utility bills, and correspondence. They failed to delete the tradelines, provide verification, or offer proper resolution. 

I believe this violates federal law and resulted in avoidable business destruction and lasting credit harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account XXXX XXXX XXXX that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
the following company Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX reported a collection on m y credit report this collection was previously removed due to account being opened fraudulently. XXXX XXXX 2025 the company listed above reported an illegal account on my credit report and i am request for it to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several accounts and unauthorized account information reporting on my credit report. these remarks have been detrimental to life and credit health. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
A financial contract ( collateral security, negotiable instrument, promissory note ) was presented to me lawfully under the rules and guidelines of Negotiation outlined in Article 3 of the Uniform Commercial Code. I was prompted to perform, and as the holder of the negotiable instrument, and made four special indorsements, identifying whom the instrument is to be made payable to. The instrument was then returned to the maker of the instrument, thus completing negotiation. The instrument was processed accordingly, and was never denied, dishonored, or not accepted. About a month later, I received what was labeled as a copy of the instrument, but my four indorsements were altered. The maker, or someone in the company of the maker, or someone who manages and processes financial instruments on behalf of the maker, such as the agent for the indenture trustee, forged and altered my four special indorsements into four blank indorsements. The financial contract was worth approximately {$67000.00}. The originally stated payee never received the value of the instrument after it was processed. The forgery stripped away the instructions of the lawfully made indorsements, and completely changed the nature of the contract/agreement/promissory note. Again, it was never denied, dishonored, or not accepted. It was altered without my consent of knowledge beforehand, and gave the defrauder a deceptive and unlawful advantage over the instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This is a follow-up to a previous CFPB complaint ( Reference # XXXX ) regarding a disputed charge. My credit card company responded, but isnt responding directly to my dispute. They need to provide additional evidence proving receipt of goods. 

In the original dispute, I explained that a substantial portion of the charge was for XXXXXXXX XXXX XXXX XXXX  which were never provided to me during my visit. I submitted a sworn statement confirming that I never received or used the credits, which constitutes a failure to deliver services a valid basis for a dispute under the Fair Credit Billing Act ( FCBA ).

Despite this, the credit card company recycled their original denial and failed to address the core issue : the non-receipt of services. Their response ignored my sworn statement and made no indication that any further investigation was performed after new evidence was submitted. They simply are showing receipts that I signed for the purchase, but the agreement is signed for was implying the amount of cash I paid equated to these gift certificates.

This is a violation of their duty to conduct a good faith investigation under the FCBA. A signed receipt or agreement does not excuse a merchant from delivering the services paid for.

I am requesting that the credit card company be required to re-investigate the dispute based on the actual claim ( non-receipt of goods/services ), and that the portion of the charge related to the undelivered XXXX XXXX credits be refunded. 

Supporting documentation, including the sworn statement, can be provided again if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-15 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: FL

Complaint narrative:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report inaccurate information and unverifiable accounts after formal disputes were submitted. 
Details : Equifax failed to correct : Outdated address and inaccurate employer data A XXXX XXXX  account that has a {$0.00} balance but is marked as derogatory A sold XXXX XXXX account being falsely reported as a charge-off A third-party collection account ( XXXX ) that was never validated All documentation was provided, and multiple requests for correction were ignored. These actions violate FCRA 611, 623, and where applicable, FDCPA 809.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PR

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Several fraudulent XXXX charges were made against my daughter 's minor checking account with Truist using her debit card on XXXX XX/XX/year>XXXX  that ultimately totaled {$6700.00}. I immediately reported the first fraudulent charge to our local Truist bank branch in XXXX, MD to deactivate the ATM card and re-issue a new card. But the bank corporate headquarters refused to provide re-imbursement of all except one charge, even though we immediately notified them, and bank management said that I was required to pursue the claim with XXXX for the fraudulent adjustment shipping charges. The Truist Bank fraudulent case reference # is XXXX. I also filed a complaint with XXXX  but have not yet been contacted- the XXXX case number is 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been receiving alerts about my account being past due I called XXXX they stated that I had been dropped from school but been attending since XXXX up until XX/XX/year> they stated I was dropped two different times and I wasnt Ive noticed negative and false credit reports that I believe are effective due to me attempting to apply for jobs and also start my business line of credit as the reports are inaccurate I followed up with XXXX XXXX and XXXX as well which they both confirmed the errors Im in the process of a in school deferment but as I attempting to apply for business credit from lenders with my new established business I believe the inquiry makes a difference as it still shows and has been showing for months in now Im certain that all of this is on file in my records as well as theirs Im going through tough times right now I began to stress and became XXXX  once I starting receiving delinquent notices which took a toll on my grades and disrupted my focus on my exams All in all this definitely doesnt help my credit situation I believe it has only caused more harm and damages Im hoping to talk to someone about possible legal actions

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