vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I filed a transaction dispute and they denied me but I sent sent in all information needed FOR appeals also and they still denied me... there is an active class action lawsuit that I am not apart of for unauthorized transaction fees, in witch i will be pursuing self remedies. THEY even closed my account and sent it to collections. Navy federal, I am in the right time frame and never got a claim id so I will be pursuing self legal rep.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
I am submitting this complaint to dispute inaccurate, incomplete, and unverified information appearing on my TransUnion credit report. TransUnion is obligated under the Fair Credit Reporting Act to ensure maximum possible accuracy for all reported data. 

Charged-Off Accounts in Dispute XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00} These accounts are being reported without proper validation. TransUnion has not provided sufficient evidence proving accuracy, ownership, or the legal right to report these accounts. If they can not be fully verified, they must be deleted. 

Inquiry in Dispute XXXX XXXX XX/XX/XXXX I do not recognize or recall authorizing this inquiry. Without proof of permissible purpose, this inquiry must be removed immediately. 

Late Payments in Dispute XXXX  Account XXXX XXXX XXXX Account 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I see Inquiry on my transunion credit report which is not mine and fraudulent. help me to remove this inquiry from my credit report please. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: LA

Complaint narrative:
I set up my SS XXXX benefits with XXXX XXXX in XX/XX/year>. The card wasn't received within the time I was told. On XX/XX/year> I made contact with XXXX XXXX and was told they didnt know where the card was so they cancelled that card, that was never received, and issued another on the same date. Card was received the week of XX/XX/year> however when I called to activate the card XXXX XXXX did not have any record of me and didnt know how I got a card. Now 3 days before XXXX, I am waiting for the SS check and they have CANCELLED my card without telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: WI

Complaint narrative:
i sent letters to TransUnion and EQUIFAX and EXPERIAN all this company 's 1 : XXXX account no : XXXX DATA REPORTED XX/XX/XXXX 2 : XXXX  account no:XXXX DATA REPORTED XX/XX/XXXX 3 : XXXX XXXX account no :XXXX DATA REPORTED XX/XX/XXXX 4 : XXXX XXXX XXXX account no :XXXX 5 : XXXX XXXX XXXX : DATA REPORTED : XXXX XXXX 6 : XXXX XXXX  / XXXX  : account no XXXX 7 : XXXX XXXX XXXX XXXX XXXX account no : XXXX 8 : UNAUTHORIZED BANRUPTCY ENTRY XXXX XXXX 9 : XXXX XXXX : account no : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
i sent letters to TransUnion and EQUIFAX and EXPERIAN all this company 's 1 : XXXX account no : XXXX DATA REPORTED XX/XX/XXXX 2 : XXXX  account no:XXXX DATA REPORTED XX/XX/XXXX 3 : XXXX XXXX account no :XXXX DATA REPORTED XX/XX/XXXX 4 : XXXX XXXX XXXX account no :XXXX 5 : XXXX XXXX XXXX : DATA REPORTED : XXXX XXXX 6 : XXXX XXXX  / XXXX  : account no XXXX 7 : XXXX XXXX XXXX XXXX XXXX account no : XXXX 8 : UNAUTHORIZED BANRUPTCY ENTRY XXXX XXXX 9 : XXXX XXXX : account no : 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 2025-12-22 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: NC

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights 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 2025-12-22 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

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 2025-12-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX  XXXX VIA DEALER- Inquires on XX/XX/scrub>XXXX 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 non-monetary relief
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I have no responsibility for these accounts and request they be removed within 15 days per federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, Citibank reduced the credit limit on two of my credit card accounts without adequate explanation. One account was reduced from {$12000.00} to {$7500.00}, and the second account was reduced from {$9500.00} to {$5500.00}. These sudden reductions caused my credit utilization to increase significantly, making it appear as though my accounts were nearly maxed out. As a direct result, my credit score dropped from approximately XXXX to XXXX, despite having no late payments or negative payment history with Citibank. 

After these reductions, I made consistent and substantial payments on both accounts to lower my balances and reduce my utilization. While actively paying down my debt and demonstrating responsible credit behavior, Citibank again reduced my available credit in XXXX. This second reduction occurred despite improved balances and further worsened the negative impact to my credit profile. 

I am filing this complaint because repeated credit limit reductions while I am making large payments appear punitive and undermine my ability to recover from the initial utilization increase caused by XXXX actions. My payment history with Citibank has been solid, and these actions were taken without clear justification or transparency. I am seeking an explanation for why my credit limits were repeatedly reduced, whether automated risk models were used, and why my positive payment behavior was not considered.

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 2025-12-22 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: AZ

Complaint narrative:
Can you examine this entry? Its late and may not be accurate.

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 2025-12-22 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: NC

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-12-22 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:
The failure to produce verifiable evidence supporting the accuracy and legitimacy of this account, while continuing to report unverified information, constitutes a violation of 15 U.S.C. 1681i, including subsection ( a ) and applicable reinvestigation requirements. Such noncompliance undermines the integrity of the credit reporting system and is both unacceptable and avoidable under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I do not recognize these accounts and request their deletion within XXXX days in compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
EQUIFAX CREDIT REPORTING HAS VIOLATED MY RIGHTS TO FCRA! On XX/XX/XXXX I REQUESTED A CEASE AND DESIST OF REPORTING FROM ( XXXXXXXX XXXX XXXX  -BALANCE XXXX ) as it appears on my EQUIFAX credit file. Since then EQUIFAX HAS ALLOWED this CREDITOR TO GAIN ACCESS TO MY CREDIT FILE AND UPDATE ACCOUNT ON FILE! I SENT EQUIFAX A FTC REPORT REPORTING ID THEFT FOR THIS ITEM. I SENT FTC REPORT VIA MAIL AND THRU CFPB WEBSITE PORTAL ON XX/XX/year>! EQUIFAX REFUSES TO REMOVE ITEM I HAVE CONSISTENTLY REPORTED AS IDENTITY THEFT! THIS ITEM SHOULD HAVE BEEN REMOVED IN 5 DAYS PER FCRA! EQUIFAX MUST BLOCK AND REMOVE ( XXXX XXXX XXXX  ) FRON MY EQUIFAX CREDIT FILE BEARING SOCIAL SECURITY NUMBER XXXX and date of birth XXXX. 

ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have paid my minimum balance every monty but in XXXX of XXXX my XXXX and my other Capital one accounts were closed. Treated as if they were XXXX account. I called to request details on XX/XX/XXXX why was it closed? I was advised because i made 10 returned payments between the two accounts. I did not receive any letter informing me if your payment is returned again your account will be closed and why was both my accts treated as one? I was told sorry but could not be reopened. I think a phone call to discuss or a notice could have made me more aware of the problem. I did make those payments even after returned it was a simple deposit mistake. I lost both cards and now having to pay off suddenly which if i was White my threshold for risk would have bern longer and i would have received notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights 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 explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 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: GA

Complaint narrative:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me, and their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. 1XXXX et seq., as well as applicable state laws. 

I hereby request a full investigation and the prompt correction and removal of this erroneous information from my credit file. Pursuant to my rights under the FCRA and applicable federal and state law, I formally demand the immediate blocking and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate information reported in my name, and I request that my credit report be updated accordingly following the removal of the disputed items.

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