vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On the date of XX/XX/year>, I ordered a sofa set from the XXXX XXXX Website Directly, spending a total of {$1000.00}. The items were shipped and delivered to my doorstep in 3 total boxes. I noticed immediately the packaging was damaged on the larger box, and upon inspection the contents, which was the larger sofa was damaged ( see attached photos ). 



Part of their ( XXXX XXXX ) shipping process was supposed to include the XXXX scheduling delivery, which they failed to do. Also, part of XXXX XXXX shipping policy is the right to refuse a damaged package and return it before accepting it. This option was not given unfortunately, and the return shipping cost fell on me. 

After receiving the damaged goods, I attempted to return the damaged item for a refund, and followed the steps given by XXXX XXXX  return policy, which is request for a return authorization, and waited for the ability to return the item. 

I have contacted XXXX XXXX multiple times via telephone, and email. 

When I called, I got a recording that eventually hung up, urging you to send XXXX XXXX a message at the email address provided. I have since sent numerous emails which go unanswered, mainly the Return request. I have received an email from this address before regarding an inquiry I had so it is an active email, however, this company has not been answering.

Navy Federal Credit union denied my claim stating the merchant provided documents, of which I was never provided.the information The resolution desired is a full refund

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-23 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: IL

Complaint narrative:
Theres multiple inquiries that I dont recognize nor gave anyone permission to access my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-07-23 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: IL

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 2025-07-23 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: Follow-Up Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to follow up on my previous request to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-07-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am writing to address several inaccuracies listed on my credit report. Despite my efforts to resolve these discrepancies with the creditor, collection agency, and credit bureau involved, I have not received the requested information or evidence to substantiate their claims. Each party has stated that the account belongs to me but has failed to provide any proof. This situation has caused me considerable stress, and if it is not resolved promptly, I will be compelled to pursue legal action in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: World Acceptance Corporation
State: AL

Complaint narrative:
I am writing to address several inaccuracies listed on my credit report. Despite my efforts to resolve these discrepancies with the creditor, collection agency, and credit bureau involved, I have not received the requested information or evidence to substantiate their claims. Each party has stated that the account belongs to me but has failed to provide any proof. This situation has caused me considerable stress, and if it is not resolved promptly, I will be compelled to pursue legal action in small claims court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-23 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I just realized there are some of the hard inquiries in my credit report, which I didnt apply the credit card application. From that I believe my information might be used by someone without authorization, and I believe it would be a fraud.

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 2025-07-23 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: FIFTH THIRD FINANCIAL CORPORATION
State: NV

Complaint narrative:
I just realized there are some of the hard inquiries in my credit report, which I didnt apply the credit card application. From that I believe my information might be used by someone without authorization, and I believe it would be a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between approximately XXXX and XX/XX/scrub> 2025, around {$3500.00} was withdrawn from my Chase business account and used to make payments to a XXXX XXXX XXXX XXXX that does not belong to me. I did not authorize these transactions and was unaware of them until I reviewed my account more closely. I do not even know the person who is using my account to make these payments. In XX/XX/year>2025, I called Chase and specifically asked them to stop any further payments to this account, but they continued to allow payments to go through to this individual. I filed a dispute with Chase, but they denied it, stating that the person had my account and routing number. However, I never gave permission for these payments, nor did I receive any benefit from them. I am requesting that Chase re-investigate the issue and reimburse the unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Inconsistent Reporting XXXX XXXX # XXXX / XXXX XXXX XXXX # XXXX I am submitting this letter to formally dispute the reporting of XXXX accounts on my credit reports associated with XXXX XXXX. The information reflected in both my Equifax and TransUnion credit files contains inaccuracies, conflicting data, and missing information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681c. 
XXXX. XXXX XXXX Account # XXXX ( Equifax Report ) Report Date : XX/XX/XXXX Page XXXX of XXXX Issues : Reports a XXXX delinquency in XX/XX/XXXX and a XXXX delinquency in XX/XX/XXXX No first date of delinquency is listed No purge/removal date is listed Information is not aligned with TransUnion report XXXX. XXXX XXXX XXXX Account # XXXX ( TransUnion Report ) Report Date : XX/XX/XXXX Page XXXX of XXXX Issues : Reports maximum delinquency of 30 days in XX/XX/XXXX and XX/XX/XXXX for {$150.00} Fails to match Equifax 's payment history No consistent closure or charge-off date is reported Dispute Basis : According to the FCRA : All items on a credit report must be complete, accurate, and verifiable ( 1681i ) Negative accounts such as delinquencies must be removed after 7 years from the date of first delinquency ( 1681c ) Failure to list this date, or report consistent payment histories, constitutes noncompliance Requested Action : Conduct a formal reinvestigation of both accounts with the furnishers ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide full documentation used to verify the reported delinquencies, including the first date of delinquency If unverifiable or inconsistent, both accounts should be deleted from my credit file Clearly update or include the scheduled removal dates as required by law Please respond with written confirmation of the results of your reinvestigation within 30 days, in accordance with the FCRA. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I solemnly affirm Under the risk of legal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized AccountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies & # 39 ; processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My accounts for business and personal was closed without my permission and i was told things was resolved and fixed. Yet I was lied to yet again by chase bank and managers. Chase bank not only have been playing with our funds they even put funds in wrong accounts of what we was told resolved to where we could operate. Which was resolved on XX/XX/2025. As of today XX/XX/2025 they have closed all accounts to where we had to move funds to another bank to companies would no longer take on any more damage from chase bank. Besides that the cards that was obtain through XXXX XXXX which has close to XXXX miles and wife fly 's for free with a credit line of XXXX has been closed, my united airlines card that has a credit line of XXXX with flying miles of XXXX plus a XXXX card that was obtained through them has a credit line of XXXX or XXXX with points for hotel stay was all closed. Those was obtained way before ever opening any account with chase bank. I never gave them permission to close those nor add fraud or anything. They have damage our operations for working and those cards are the only thing i do care as again i had prior of doing business with chase. They are partnered but i did not go through them for that nor should i lose them or the lines i have built through the years because they are upset that I'm turning them in for bad business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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:
Subject : Response to CFPB Fraudulent Account Transfer and Credit Reporting Error To Whom It May Concern, I am writing in response to a recent issue involving my XXXX XXXX  XXXX account and a company named XXXX XXXX XXXX. 

XXXX  XXXX XXXX is my original creditor. However, I have discovered that my account was allegedly sold or transferred to XXXX XXXX XXXX without my knowledge or consent. I have never signed any documents or authorized any transfer of this account to this company. I have also previously reported that my identity has been stolen on two separate occasions, which may be related to this situation. 

Despite not authorizing any transaction with XXXX XXXX XXXX, I have been receiving numerous harassing phone calls, emails, and mailed letters from them. This activity has caused a significant and negative impact on my credit score, and I have verified that this account is being incorrectly reported on my credit reports as if it is valid. 

This is a case of fraudulent activity, and I am requesting that the CFPB : Investigate how XXXX XXXX XXXX obtained and is attempting to collect on this account. 

Request the immediate removal of all tradelines, collections, or references to this account from all three major credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Ensure that I am no longer contacted by First Source Advantage regarding this fraudulent matter. 

This situation is causing undue stress and financial harm, and I appreciate the CFPBs attention to this matter. 

Thank you for your time and support. 

Sincerely, 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