vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This company has XXXX XXXX XXXX as a collection on my account claiming I owe them when I clearly showed how the payment was made to peoples gas directly. I requested over XXXX days ago to have this removed from my account. It is causing damage. At this point it becomes fraud to continue to report incorrect information on my report each month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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 dispute is submitted directly by me, XXXX XXXX XXXX I have not authorized any credit repair agency to represent me. I am a confirmed victim of the XXXX  Equifax Data Breach and am invoking my rights under the Fair Credit Reporting Act ( FCRA ).

1. Unauthorized Inquiry ( FCRA 604, 609 ) The following hard inquiry was not authorized by me and must be deleted immediately : XXXX  If you can not provide original documentation verifying
my consent, this inquiry must be removed without delay.

2. Inaccurate Personal Information ( FCRA 609 ( c ), 611 ( a ) ) My credit report contains incorrect and outdated addresses. This inaccurate reporting violates the FCRA. Please update or delete this information to ensure accuracy.

3. Fraudulent / Not Mine Accounts ( FCRA 609, 611, 623, 605 ) The following accounts are not mine or the result of identity theft. Unless you can verify each with an original signed contract, they must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation Requested ( FCRA XXXX ) The following account must be verified within 30 days with a full signed contract and account history, or be deleted : XXXX / XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
( Original Creditor : 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 XXXXXX/XX/year>

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 2025-08-02 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: GA

Complaint narrative:
I have noticed several unrecognizable accounts appearing on my credit report, each associated with hard inquiries that I did not authorize and that are in no way connected to my account or financial activity. These inquiries are inaccurate and concerning, as they may indicate potential fraud or reporting errors. I am requesting that these hard inquiries be investigated and immediately removed from my credit report to ensure the accuracy and integrity of my credit file.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was XXXX on [ XXXX Start Date ] and returned on [ Return Date ]. During this time, I was serving in [ Branch of Military e.g., XXXX XXXX ], and due to operational circumstances and limited communication access, I was unable to make timely payments on this account. 

This situation falls under the * * Servicemembers Civil Relief Act ( SCRA ) * *, which provides protections to military members during periods of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I was XXXX on [ XXXX Start Date ] and returned on [ Return Date ]. During this time, I was serving in [ Branch of Military e.g., XXXX XXXX ], and due to operational circumstances and limited communication access, I was unable to make timely payments on this account. 

This situation falls under the * * Servicemembers Civil Relief Act ( SCRA ) * *, which provides protections to military members during periods of 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 2025-08-02 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: CA

Complaint narrative:
I was XXXX on [ XXXX Start Date ] and returned on [ Return Date ]. During this time, I was serving in [ Branch of Military e.g., XXXX XXXX ], and due to operational circumstances and limited communication access, I was unable to make timely payments on this account. 

This situation falls under the * * Servicemembers Civil Relief Act ( SCRA ) * *, which provides protections to military members during periods of 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 2025-08-02 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: LEXISNEXIS
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
Dispute # XXXX Denied Your dispute was denied Check your email for more information. 
On Friday, XX/XX/XXXX You disputed 3 transactions Check your email for more information. 
On Monday, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XX/XX/XXXX at XXXX XXXX  {$300.00} Denied {$3100.00} Denied {$82.00} Denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX is reporting a debt without fully validating it as required by federal law. Despite my written requests under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), they have failed to provide : A signed copy of the original contract or agreement bearing my signature, A complete itemization of the charges that make up the alleged balance, Documentation showing they have legal ownership or assignment of the debt.

Their failure to provide this basic and required documentation constitutes a violation of 15 U.S. Code 1692g and FCRA reporting standards under 15 U.S. Code 1681s-2 ( b ). XXXX is attempting to collect and report a debt that has not been verified, which is misleading and damaging to my consumer report. 

I am requesting the immediate deletion of this account from all credit reporting agencies, or full validation with proper, legally acceptable documentation. Continued reporting without full validation is both deceptive and unlawful.

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 2025-08-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
In reference to CFPB complaint # XXXX, I was previously advised that I would be able to open a new savings account with Navy Federal Credit Union XXXX However, despite following all directives provided by Navy Federal representatives and the resolution provided in the aforementioned complaint, I have been denied the ability to open a new savings account on multiple occasions. 

Each time I have attempted to open the account- via the website, mobile app, and by phone- I have either encountered system-generated errors that block my access, or I am informed by representatives that the system prevents them from proceeding further. No formal written explanation has been provided, nor has a denial notice been issued as required under the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., and its implementing regulation, Regulation B, 12 C.F.R. 1002.9.

This ongoing issue suggests I am effectively blacklisted within Navy Federals system, which contradicts the resolution communicated in my original complaint and may represent continued adverse action. Further, this unexplained and repeated denial may also violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly if internal or third-party consumer data is being used to make eligibility determinations without proper disclosure or notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NJ

Complaint narrative:
I am writing you about the Fraudulent use of my social security number due to the Equifax Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth so there will be no discrepancy on the fraudulent accounts listed by me. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

1. 
XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Capital One # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
CFPB Credit Reporting Complaint Consumer : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX SSN ( last XXXX ) : XXXX Reporting Agency : Equifax XXXX XXXX XXXX Date : XX/XX/XXXX Issue Category : Credit Reporting Incorrect Information and Unauthorized Inquiries Complaint Summary : I am filing this complaint to report multiple errors on my Equifax credit report, including inaccurate late payments and several unauthorized hard inquiries that I did not initiate or approve. I have made efforts to resolve these matters directly with Equifax but have not received proper resolution. The information reported is causing significant harm to my credit standing and financial wellbeing. 



Late Payment Disputes : Due to a period of financial hardship and medical challenges, I was unable to make on-time payments for a limited time. I have since resolved these issues and am now financially stable. The following accounts reflect late payment entries that I respectfully request to be removed as a goodwill adjustment : XXXX XXXX Acceptance ( ending in XXXX ) XXXXXXXX XXXX XXXX XXXX  ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( ending in XXXX ) XXXX  XXXX ( XXXX separate accounts affected by the same hardship ) These entries do not reflect my current credit behavior. I am requesting Equifax to either delete or correct these entries based on updated financial standing or provide clear documentation verifying the reporting. 



Fraudulent or Unauthorized Hard Inquiries : My credit file also contains hard inquiries that were either unauthorized, not consented to, or repeated excessively by auto dealerships and lenders without my approval. The following companies have placed such inquiries : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX  multiple repeated pulls ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with many of these entities, and I did not give permission for multiple inquiries to be made on my behalf. These entries violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681b ), which requires permissible purpose and consumer authorization.

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 2025-08-02 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: CA

Complaint narrative:
CFPB Credit Reporting Complaint Consumer : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX SSN ( last XXXX ) : XXXX Reporting Agency : Equifax XXXX XXXX XXXX Date : XX/XX/XXXX Issue Category : Credit Reporting Incorrect Information and Unauthorized Inquiries Complaint Summary : I am filing this complaint to report multiple errors on my Equifax credit report, including inaccurate late payments and several unauthorized hard inquiries that I did not initiate or approve. I have made efforts to resolve these matters directly with Equifax but have not received proper resolution. The information reported is causing significant harm to my credit standing and financial wellbeing. 



Late Payment Disputes : Due to a period of financial hardship and medical challenges, I was unable to make on-time payments for a limited time. I have since resolved these issues and am now financially stable. The following accounts reflect late payment entries that I respectfully request to be removed as a goodwill adjustment : XXXX XXXX Acceptance ( ending in XXXX ) XXXXXXXX XXXX XXXX XXXX  ( ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( ending in XXXX ) XXXX  XXXX ( XXXX separate accounts affected by the same hardship ) These entries do not reflect my current credit behavior. I am requesting Equifax to either delete or correct these entries based on updated financial standing or provide clear documentation verifying the reporting. 



Fraudulent or Unauthorized Hard Inquiries : My credit file also contains hard inquiries that were either unauthorized, not consented to, or repeated excessively by auto dealerships and lenders without my approval. The following companies have placed such inquiries : XXXX XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX  multiple repeated pulls ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for credit with many of these entities, and I did not give permission for multiple inquiries to be made on my behalf. These entries violate the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681b ), which requires permissible purpose and consumer authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
Identity Theft Dispute Immediate Deletion of Fraudulent Accounts Compliance with FCRA 605 ( b ) and 15 U.S.C. 1681c-2 I am formally contacting you regarding fraudulent accounts currently appearing on my credit reports with Experian, Equifax, and TransUnion. These accounts resulted from identity theft and were opened without my knowledge or authorization.

I am requesting immediate action as required by law, specifically under FCRA 605 ( b ) and 15 U.S.C. 1681c-2, which obligate credit bureaus to block the reporting of identity theft-related information within XXXX  business days of receiving a consumers dispute.

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 2025-08-02 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: NC

Complaint narrative:
Identity Theft Dispute Immediate Deletion of Fraudulent Accounts Compliance with FCRA 605 ( b ) and 15 U.S.C. 1681c-2 I am formally contacting you regarding fraudulent accounts currently appearing on my credit reports with Experian, Equifax, and TransUnion. These accounts resulted from identity theft and were opened without my knowledge or authorization.

I am requesting immediate action as required by law, specifically under FCRA 605 ( b ) and 15 U.S.C. 1681c-2, which obligate credit bureaus to block the reporting of identity theft-related information within XXXX  business days of receiving a consumers dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is submitted directly by me, XXXX XXXX XXXX I am not working with any credit repair service. As a confirmed victim of the XXXX XXXXXXXX  XXXX XXXX, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to correct and remove inaccurate, fraudulent, or unverifiable information from my credit file.

1. Unauthorized Inquiry ( FCRA 604, 609 ) The following inquiry was not authorized by me and must be deleted immediately XXXX XXXX If you can not verify this inquiry with original documentation, it must be permanently removed. 

XXXX. Incorrect Personal Information ( FCRA 609 ( c ), 611 ( a ) ) There are inaccurate addresses listed in my credit report that must be corrected or deleted. This misreporting violates FCRA accuracy requirements.

3. Fraudulent / Not Mine Accounts ( FCRA 609, 611, 623, 605 ) The following accounts are either fraudulent or not mine. Unless you can provide original signed documentation, they must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation Requested ( FCRA 611 ) Please validate the following account with an original signed contract and full account history : XXXX / XXXX XXXX Failure to verify this account within 30 days requires its deletion.

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 2025-08-02 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: TX

Complaint narrative:
This dispute is submitted directly by me, XXXX XXXX XXXX I am not working with any credit repair service. As a confirmed victim of the 2017 Equifax Data Breach, I am exercising my full rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX. Unauthorized Inquiry ( FCRA 604, 609 ) The following inquiry was not authorized by me and must be removed immediately : XXXX You are required to verify this inquiry with original documentation or delete it without delay. 

XXXX. Inaccurate Personal Information ( FCRA 609 ( c ), 611 ( a ) ) Your records contain incorrect and outdated addresses. These inaccuracies violate FCRA requirements. Please update or delete the incorrect personal information.

3. Fraudulent / Not Mine Accounts ( FCRA 609, 611, 623, 605 ) The following accounts are either fraudulent or not mine. If you can not verify each with an original signed contract, they must be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Validation Requested ( FCRA 611 ) Please validate the following account by providing the signed contract and complete account history within 30 days : XXXX / XXXX XXXX If you can not validate this account, it must be deleted immediately.

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