vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute certain information on my credit reports from the XXXX major credit bureaus Equifax Below are the accounts I am disputing : Charged-Off Accounts : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX, Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$660.00} Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management has repeatedly contacted me despite my requests for them to stop calling. They then contacted my husband instead of me. On the call, their representative confirmed he was my spouse and then transferred him to an account manager named XXXX XXXX. She disclosed detailed personal information about my account to him, including that it was a XXXX Double Cash credit card, the balance owed, the fact that the account had been on auto-pay from XXXX to XXXX ( including the specific months ), the date of last payment, and that they were preparing to take legal action. My husband is not on this account and I never gave permission for any third-party disclosure. I consider this harassment and a major violation of my privacy. I simply want Midland to stop contacting me and any third party, close the account, and cease all collection activity due to these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
Please see supporting documents pertaining to Equifax data breach

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
My husband has been getting frequent phone calls from an XXXX number claiming he opened a credit card that he has never had or used. I believe that someone opened this card without his knowledge. We closed and paid off all credit cards that we had and we want the calls to stop as he did not open this account. This guy is calling every day, we have blocked the numbers and still get voice mail from them. It's this simple, stop the calls. They have been told this isn't his card. Just because the card was used doesn't mean it's his card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
This supplements prior CFPB Case XXXX XXXXXXXX. After Allys XX/XX/XXXX response, on XX/XX/XXXX at XXXXXXXX XXXX. Allys agent came onto my property while my personal trailer was attached and said Ally told him to unhook the trailer to take the truck. We objected. Im attaching a sworn declaration.

Allys prior response also contains material defects : it misaddressed me as XXXX, MI XXXX ( ZIP XXXX is Missouri ), referenced only a credit-reporting Notice of Intent ( not a Missouri 20-day Right-to-Cure with proof of mailing ), showed an impossible XX/XX/XXXX returned-payment date ( my contract is XX/XX/XXXX ), and did not provide an itemized reinstatement/redemption figure. Separately, Allys own wording says extensions require 6 payments ( I have 7 ) and 30 % of the payment per month extended ; Im requesting a 60-day extension on those terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
SMS Sender : XXXX Message content : XXXX XXXX at XXXX. This is regarding your XXXX account XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Text STOP to opt out Note. I do not recognize XXXX XXXX XXXX XXXXXXXX. '' Nor am I late with any of my credit card or any other account payments. 
This is likely another form of the " unpaid toll '' scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
I am writing to dispute the following accounts on my TransUnion credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1700.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX Date : XX/XX/XXXX Balance : {$20000.00} XXXXXXXX XXXX  Account Number XXXX XXXX Date : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts No positive accounts listed for TransUnion. 

XXXX XXXX Accounts XXXX XXXX Account Number : 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 2025-11-17 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing this complaint because I was the victim of an account-takeover scam that resulted in approximately {$33000.00} being withdrawn from my Navy Federal Credit Union account XXXX On XX/XX/XXXX, I received a call from a spoofed Navy Federal phone number. The caller was a woman claiming to be from Navy Federals fraud department. She referenced a supposed fraud report and told me my account had been compromised by someone named XXXX. She then transferred me to someone identifying himself as XXXX XXXX, claiming to be a Navy Federal tech supervisor. 

On XX/XX/XXXX, this same individual contacted me again claiming to be an FDIC employee of XXXX years, saying we needed to switch to his secure number and email to continue the investigation. The scammers provided instructions for multiple transactions and withdrawals under the pretense of protecting my account. They also sent me a fake FBI email with a fake case number and later gave me the number of another supposed FBI agent named XXXX XXXX. 

Because the callers spoofed official Navy Federal numbers and referenced accurate account information, I believed I was speaking with legitimate representatives. All transactions were made under the understanding that I was following Navy Federals fraud-prevention procedures. I later learned Navy Federal denied responsibility, even though the scammers gained access to my account and used impersonation tactics far beyond typical consumer ability to detect. 

I am requesting assistance because Navy Federal has not refunded the unauthorized transactions or properly acknowledged the account-takeover fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
( Experian, Equifax, and TransUnion ) Your Name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX DOB:XXXX SSN XXXX Todays Date : XX/XX/XXXX To : Experian, XXXX XXXX  XXXX, XXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute & Request for Deletion of Obsolete, Inaccurate, and Unverifiable Information To Whom It May Concern : I, XXXX XXXX XXXX, am formally disputing several negative entries currently appearing on my credit profile with your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate, verifiable, and timely information. 

I am demanding the immediate investigation and permanent deletion of any account or negative item that meets any of the following criteria : 1. Any account that is more than 7 years old Per FCRA 605 ( a ), negative information can not be reported beyond 7 years ( except for bankruptcy ).

Any entry older than 7 years must be removed immediately.

2. Any charged-off, written-off, or closed account older than 7 years These accounts are legally obsolete and must be deleted.

3. Any account that can not be verified within 30 days Per FCRA 611, if you can not verify an item within 30 days, it must be deleted.

4. Any account reporting incorrect dates, amounts, ownership, balances, or status Inaccurate information violates FCRA 607 ( b ) and must be corrected or removed.

5. Any account that was re-aged illegally If any creditor changed the date of last activity to extend the reporting period, this violates FCRA and must be removed.

Request for Action I am demanding the following under federal law : Conduct a full reinvestigation of all negative items. Delete all items that are : over 7 years old charged off/sold/written off unverifiable inaccurate misreported Provide me with a new copy of my credit report showing the deletions. Notify any furnishers that you have deleted the accounts. Identification Included This letter serves as my formal dispute under the Fair Credit Reporting Act.

Failure to comply may result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Civil legal action I expect a response within 30 days as required by law. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
( Experian, Equifax, and TransUnion ) Your Name : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, California XXXX DOB:XXXX SSN XXXX Todays Date : XX/XX/XXXX To : Experian, XXXX XXXX  XXXX, XXXX, TX XXXX Equifax, XXXXXXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX. XXXX XXXX, XXXX, PA XXXX Re : Formal Dispute & Request for Deletion of Obsolete, Inaccurate, and Unverifiable Information To Whom It May Concern : I, XXXX XXXX XXXX, am formally disputing several negative entries currently appearing on my credit profile with your bureau. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate, verifiable, and timely information. 

I am demanding the immediate investigation and permanent deletion of any account or negative item that meets any of the following criteria : 1. Any account that is more than 7 years old Per FCRA 605 ( a ), negative information can not be reported beyond 7 years ( except for bankruptcy ).

Any entry older than 7 years must be removed immediately.

2. Any charged-off, written-off, or closed account older than 7 years These accounts are legally obsolete and must be deleted.

3. Any account that can not be verified within 30 days Per FCRA 611, if you can not verify an item within 30 days, it must be deleted.

4. Any account reporting incorrect dates, amounts, ownership, balances, or status Inaccurate information violates FCRA 607 ( b ) and must be corrected or removed.

5. Any account that was re-aged illegally If any creditor changed the date of last activity to extend the reporting period, this violates FCRA and must be removed.

Request for Action I am demanding the following under federal law : Conduct a full reinvestigation of all negative items. Delete all items that are : over 7 years old charged off/sold/written off unverifiable inaccurate misreported Provide me with a new copy of my credit report showing the deletions. Notify any furnishers that you have deleted the accounts. Identification Included This letter serves as my formal dispute under the Fair Credit Reporting Act.

Failure to comply may result in complaints filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) State Attorney Generals Office Civil legal action I expect a response within 30 days as required by law. 

Thank you, 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 2025-11-17 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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