vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 explanation
Consumer complaint received 2025-07-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX a do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX I received an email from my bank ( XXXX ) informing me that my account has been restricted. When i reached out to them i was told i had to contact the XXXX XXXX  XXXX XXXX. After I contacted them i was told to contact XXXX and XXXX as they are the ones who has the debt now. I called and was told the representative thats over my case is busy and would call me back. Never got a call back, called everyday since. I got her on the phone for XXXX seconds. She told me she had a caller ahead of me and she would contact me soon as she was done. Never done that, the bank had no other explanation as to why this is taking place. I dont know how much the debt is, they froze my accounts and took out XXXX from my account. I was not sued for the debt, so this all came out of nowhere. I was told by XXXX of the receptionist that they will continue to hit my account every XXXX months. Theyre not trying to give me any information. This has messed up my pay for work as well. Im behind on receiving my pay which set me back on rent as well as my car note. Im on the brink of eviction due to my job having to reprocess my checks and get them out to me. Had to open a new account just so i can try and pay my bills. Till this day i have not been able to get them on the phone to resolve this matter. This is completely unprofessional, i did not authorize anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-16 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Permanently deleting the repossession account reported by XXXX Account XXXX XXXX from my credit file, as the creditor has failed to provide : A notice of default A right-to-cure notice A deficiency notice Verifiable, original documentation proving the repossession was lawful and complete Providing written confirmation from XXXX that the account has been removed. 

Sending me a corrected and updated copy of my credit report reflecting this deletion. 

This is required under FCRA 1681e ( b ), 1681s-2 ( a ), and 1681i ( a ), which mandate accurate, verifiable information and obligate deletion of any unverifiable or incomplete entry. I am not seeking anything beyond what the law requiresonly that XXXX comply with their duties under federal law.

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 2025-07-16 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$2200.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureaus are required to conduct a reasonable reinvestigation within XXXX days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable. Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA XXXX ( b ) / XXXX XXXX. XXXX ( b ). The XXXX XX/XX/year> enforcement action against Equifax ( resulting in a {$15.00} XXXX penalty ) confirms that these automated or superficial checks do not meet the reinvestigation requirements of the law. I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proofXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute requesting the removal of incorrect information from my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple attempts and sufficient notice, this inaccurate information continues to appear on my credit reports, adversely impacting my financial standing and creditworthiness. 
Additionally, I am formally submitting a complaint regarding a significant data breach involving all three major credit bureaus. This breach compromised my sensitive personal and financial information due to the credit bureaus ' failure to implement adequate and necessary security measures to protect consumer data. The unauthorized access to my personally identifiable information ( PII ) has led to fraudulent activities and inaccuracies on my credit reports. 
The actions and inactions of Experian, Equifax, and TransUnion violate specific provisions of the Fair Credit Reporting Act ( FCRA ), notably : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation within 30 days of receipt of my dispute. The bureaus neglected their statutory duty by inadequately addressing my disputes, resulting in continued reporting inaccuracies. 
Section 607 ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy of the information contained in my credit report. Their negligence in accurately reporting and safeguarding my information has resulted in significant financial harm, including a diminished credit score, increased interest rates, emotional distress related to potential identity theft, and substantial inconvenience. 
Given the severity of the situation, I respectfully request an immediate and thorough investigation into this matter, the removal of all incorrect information from my credit reports, strengthened data security measures to protect consumers, and appropriate corrective actions as prescribed under the FCRA. 
Thank you for your prompt attention to this serious matter. I look forward to your timely response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
On XX/XX/year>, I mailed a formal dispute requesting the removal of incorrect information from my credit reports maintained by Experian, Equifax, and TransUnion. Despite multiple attempts and sufficient notice, this inaccurate information continues to appear on my credit reports, adversely impacting my financial standing and creditworthiness. 
Additionally, I am formally submitting a complaint regarding a significant data breach involving all three major credit bureaus. This breach compromised my sensitive personal and financial information due to the credit bureaus ' failure to implement adequate and necessary security measures to protect consumer data. The unauthorized access to my personally identifiable information ( PII ) has led to fraudulent activities and inaccuracies on my credit reports. 
The actions and inactions of Experian, Equifax, and TransUnion violate specific provisions of the Fair Credit Reporting Act ( FCRA ), notably : Section 611 ( a ) : Failure to conduct a reasonable reinvestigation within 30 days of receipt of my dispute. The bureaus neglected their statutory duty by inadequately addressing my disputes, resulting in continued reporting inaccuracies. 
Section 607 ( b ) : Failure to follow reasonable procedures ensuring maximum possible accuracy of the information contained in my credit report. Their negligence in accurately reporting and safeguarding my information has resulted in significant financial harm, including a diminished credit score, increased interest rates, emotional distress related to potential identity theft, and substantial inconvenience. 
Given the severity of the situation, I respectfully request an immediate and thorough investigation into this matter, the removal of all incorrect information from my credit reports, strengthened data security measures to protect consumers, and appropriate corrective actions as prescribed under the FCRA. 
Thank you for your prompt attention to this serious matter. I look forward to your timely response and resolution.

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 2025-07-16 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: SC

Complaint narrative:
XXXX XXXX ( Original Creditor : MEDICAL ) - {$550.00} - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - {$2300.00} - XXXX  XXXX - {$460.00} - XXXX XXXX - {$1000.00} - XXXX XXXX - {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
XXXX XXXX ( Original Creditor : MEDICAL ) - {$550.00} - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - {$2300.00} - XXXX  XXXX - {$460.00} - XXXX XXXX - {$1000.00} - XXXX XXXX - {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
RE : XXXX Block Request To Whom It May Concern, I am a XXXX of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
It's been a month since I filed a complaint with these Bureaus, and the wrong info on my report is still there. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they actually looked into the inaccuracies? What did they do to check the accounts? This whole thing is super frustrating, especially since it's been more than 30 days since I reached out.

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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am an XXXX XXXX in the XXXX XXXX and a longtime member of Navy Federal Credit Union XXXX Approximately XXXX years ago, in XXXX, my account with Navy Federal was restricted. After multiple calls and emails over the course of many months, I was told in XX/XX/XXXX that I needed to pay a balance of over {$2000.00} in order to resolve the issue. In good faith, I paid the full balance shortly after, between XXXX and XX/XX/XXXX. 

After doing so, I asked Navy Federal if I would be eligible to open a new account. I was informed that I would be allowed to do so. However, despite multiple follow-up emails and phone calls requesting help with opening a new account including emails sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have not received any response or resolution. I have submitted respectful, professional communications explaining my situation and my willingness to make things right. 

In fact, on XX/XX/XXXX, I visited a branch in XXXX, where a representative helped me upload documents and submit an appeal. I followed up again on XX/XX/XXXX, and XX/XX/XXXX, before finally being told the balance needed to be paid. I was later called and informed that once the balance was confirmed as paid, I could have my account reinstated. In XXXX of XXXX that payment had been made, and confirmation was sent to Navy Federal. 

However, when I later called to open a new account in XX/XX/XXXX, I was informed that I was not eligible to do so, contradicting everything I had previously been told. I followed up XXXX final time on XX/XX/XXXX, in an email addressed directly to Navy Federal XXXX XXXX XXXX ( which all emails had her cc 'd on it ), expressing my concern and disappointment. I have received no response or resolution. 

What makes this even more disheartening is that Navy Federal is the # XXXX financial institution trusted by service members and their families. The credit union markets itself as a military-focused institution committed to understanding and supporting the unique financial needs of active-duty personnel and veterans. As someone who serves this country and has taken all necessary steps to resolve a past issue in good faith, I feel deeply let down. I expected a higher standard of service, transparency, and follow-through from an organization that claims to put military members first. 

It has now been nearly XXXX years since the original account restriction, and I have fully complied with Navy Federals instructions including payment of the requested balance. Yet I am still being denied the ability to open a new account, and no one has offered a formal explanation. This situation has caused significant inconvenience and hardship, particularly as a service member who depends on reliable access to financial services.

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