vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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 am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several items that are incorrectly reported or showing inaccurate data. Below are the details of the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$72.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently received notice of a lawsuit, which prompted me to carefully review my credit reports. During this review, I discovered significant discrepancies and inconsistencies in the way multiple accounts and personal information were being reported across the major credit bureaus. 
I attempted to resolve these issues by uploading documentation directly to the credit reporting agencies, but their platforms were difficult to navigate and did not reliably allow me to submit the full details. As a result, I mailed physical copies of my dispute packet and am uploading the same materials here with the hope that this process will expedite a thorough investigation and correction of the inaccurate data. 
My goal is to ensure that all items reported are complete, accurate, and consistent in accordance with 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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently received notice of a lawsuit, which prompted me to carefully review my credit reports. During this review, I discovered significant discrepancies and inconsistencies in the way multiple accounts and personal information were being reported across the major credit bureaus. 
I attempted to resolve these issues by uploading documentation directly to the credit reporting agencies, but their platforms were difficult to navigate and did not reliably allow me to submit the full details. As a result, I mailed physical copies of my dispute packet and am uploading the same materials here with the hope that this process will expedite a thorough investigation and correction of the inaccurate data. 
My goal is to ensure that all items reported are complete, accurate, and consistent in accordance with 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 2025-06-12 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX Date : XX/XX/year>2025 To the Consumer Financial Protection Bureau, I am submitting this formal complaint regarding Experian, Equifax, and TransUnion continued refusal to remove inaccurate debt information from my credit report, despite multiple disputes. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires credit reporting agencies to conduct a reasonable investigation and remove unverifiable or inaccurate information within 30 days.

The debt in question has not been validated by the furnisher or properly investigated by Experian, Equifax, TransUnion.This is a direct violation of my rights under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, which requires debt validation upon request.

I am requesting the CFPB to intervene and have this unverifiable and inaccurate debt permanently removed from my Experian, Equifax, TransUnion credit file. Please investigate Experian, Equifax, TransUnion non-compliance and assist in enforcing my consumer rights and monetary damages Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
To whom it may concern, I am writing to formally dispute the presence of certain accounts on my consumer credit report, as indicated below, which appear to have arisen as a consequence of potential fraud or unauthorized activity. I respectfully request that you provide verifiable evidence bearing my signature/electronic signature. This letter represents my personal communication on this matter, and I kindly request your thorough review.

I must emphasize that I have not authorized these actions, and their inclusion on my credit report may constitute a violation of my consumer rights under the Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C.

1681b ]. Upon reaching out to these companies, it has come to my attention that these actions may have been initiated without proper validation or original proof from any of the reporting entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
On XX/XX/year> an account was opened with XXXX using my information. I contacted this company and explained to them Ive never opened an account or given anyone to open an account on my behalf. Since speaking with the company I thought it was investigated and removed from my credit. However XXXX I received a letter from Midland credit management about this same debt. Ive since submitted an Identity Theft report to get this issued resolved. I am requesting a thorough investigation be performed and this item removed from my credit profile immediately. There are also discrepancies from the company such as my personal information as well that furthermore shows that this is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno XXXX party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
See CFPB complaints XXXX and XXXX. 

I have yet to receive a solution from the USAA client " advocacy '' team. They pretended to reach out Tuesday XX/XX/year> and never followed up with me when I returned their call. This is the second time- this time nobody left a voicemail. When I finally reached the right person ( maybe : XXXX ) I was given the runaround ( see attached audio clips * * ) and my call has yet to be returned. 

I will continue to file until a resolution is reached- it really shouldn't have taken more than XXXX filing, for a reputable company. The inaction from USAA has directly impacted and reduced my quality of life, as well as damaged my credit, and will continue to do so unless action is taken in my favor. 

* * Clips XXXX and XXXX were too long to add to this 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint to formally report that TransUnion has unreasonably withheld access to my credit report and score, which has resulted in significant and ongoing financial and personal hardship. 

Despite multiple attempts to access my credit file and resolve reporting discrepancies, TransUnion has blocked the release of my credit report and score, preventing me from : Verifying my identity for critical background checks, Securing employment as a XXXX XXXX XXXXincluding recent lost job opportunities exceeding $ XXXX at major tech firms, Qualifying for rental housing, thereby placing me at risk of homelessness, Purchasing or financing a vehicle, Obtaining personal or business credit or securities, Resolving inaccurate or misrepresented data reported by unknown or unresponsive creditors. 

Each time I attempted to contact TransUnion or the listed creditors to dispute this, I was unable to reach a live agent, often receiving automated responses indicating that my issue does not qualify for live support. This creates an unreasonable barrier to resolving urgent consumer issues and violates my right to access and dispute information under the Fair Credit Reporting Act ( 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 2025-06-12 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: WY

Complaint narrative:
I have dispute is the following account several times and transunion and equifax are not doing a proper investigation.i also reached out to XXXX XXXX XXXX and XXXX XXXX XXXX for the original contract with my signature on it proving I owe the amount on my credit reports.i didn't give XXXX XXXX or XXXX XXXX XXXX written permission giving permission to share my personal information like my social security number and date of birth with a 3rd party and XXXX XXXX and XXXX XXXX XXXX is committing identity theft for sharing my information with transunion and equifax XXXX.the original credit was XXXX XXXX and they sold.my information to XXXX XXXX XXXX account number XXXX with a balance of {$6800.00} and it's reporting as a collection/charge off and it's also reporting as ope account.which is violating the fair credit reporting act the account is reporting as a 1month open charge off collection.transunion equifax and Experian are not investigating the identity theft that XXXX XXXX XXXX is committing.i filed an FTC report for identity theft.i want this account deleted from all 3 credit bureaus immediately.i also want {$10000.00} in damages paid to me and mailed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX because this account is making it impossible to rent an apartment and it left me homeless and not able to rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several items that are incorrectly reported or showing inaccurate data. Below are the details of the items in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
I dont recognize the address please remove it from my credit report thank you 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : Inquiries 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 2025-06-12 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:
To whom it may concern, I kindly bring to your attention the violation of my consumer rights through the dissemination of inaccurate information. It is essential that those in control treat me fairly, and I request all available details regarding their failure to ensure accuracy and compliance.

I have a zero tolerance policy towards negative information, regardless of certification. The crucial factor for me is the veracity of the facts concerning your company and the data related to my credit profile. I am surprised by the inaccuracy of the credit report provided, as adherence to the FCRA and applicable XXXX XXXX data field formatting standards is expected. 
Hence, I challenge you to prepare a verified, complete, and truthful document presenting evidence for each claim. Failure to follow these standards, as highlighted in the 2020 CRRG, poses a significant threat to data integrity, which must be addressed promptly to safeguard your data 's integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
To whom it may concern, I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified 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 non-monetary relief
Consumer complaint received 2025-06-12 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:
To whom it may concern, I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report.

I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether.

I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified 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 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: FL

Complaint narrative:
A collection account that I do not recognize is being reported on my TransUnion credit report. I have not received any proper validation or notice of this debt. The information appears to be inaccurate, and I believe it may be fraudulent. 
I recently reviewed my credit report and found a collection account listed under XXXX XXXX. The account was opened on XX/XX/year>, with a balance of {$200.00}. It was last updated on XX/XX/year>. I do not recall opening this account, and I have never received any prior notice or validation of this debt. There is no payment history shown and no explanation of the terms. 

Under 15 U.S. Code 1681c-2, I have the right to request a block or removal of any information that may be the result of identity theft or an unverified debt. I submitted a dispute to TransUnion and requested an investigation, but I am filing this complaint because I want the Consumer Financial Protection Bureau to ensure that this inaccurate account is fully investigated and removed if not verified.

Im requesting that TransUnion Immediately investigate the account Remove or block it from reporting if unverified Provide full validation and documentation if they claim it is valid

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 2025-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX VS NAVY FEDERAL CREDIT UNION A depisit was made to my savings account on XX/XX/XXXX to pay an account that was negative. I deposited {$170.00} into my savings account. According to the policies and rules at NFCU cash money is immediately available. Therefore I was able to transfer this money to my checking to pay the balance. However when I did this I noticed that my savings account was placed in a negative status of XXXX. On the same day I deposited a check for {$100.00} which I complained to NFCU that I never saw pending. Between XXXX - XX/XX/XXXX I continued to communicate with several different representatives at NFCU via e-messages. None of them ever mentioned to me that the account was I the negative instead u received replies indicating that the funds would be available by XX/XX/XXXX and that my savings was negative because the CASH DEPOSIT @ I made was pending, NOT TRUE, if it was pending it would not had been available to allow me to transfer it to my checking account. Consequently, after spending almost an hour on the phone with two other NFCU reps I was able to determine through the FALSE INFIRMATION that I was given that NFCU had actually taken action and placed restrictions on my account to seize all and any incoming money WITHOUT explaining this to me. I understood that I have a CLOSED CREDIT CARD balance however I also had a checking account that was negative. I attempted to bring the account current as I had five so every month even after the credit card closure and with NO PROBLEM until now. I had to figure the actions NFCU had taken against me through trial and error. This is not fair or acceptable. Additionally NFCU reported that I filed bankruptcy on XXXX XXXX. This is a FALSE report. I HAVE NOT FILED BANKRUPTCY. 

I never received any notification that any monies deposited would be seized I never received any notification that I had the right to dispute the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation