vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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 an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ).

Inquiry in Dispute XXXX XXXX XXXXXX/XX/XXXX Statement : I do not recall authorizing this company to access my credit report or submitting any credit application with them. I am requesting that Equifax verify this inquiry with the original party and provide proof of written authorization. 
If proper authorization can not be confirmed, I request that this inquiry be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: PR

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncomplianc
e under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( Navy FCU ) regarding the account NAVY FCU XXXX *, Date Opened : XX/XX/year>, High Balance : {$50000.00}, reported as a charge-off. I have no knowledge, agreement, or connection with this alleged account. I never authorized or opened any line of credit or loan with Navy Federal Credit Union for this amount, and no documentation has been provided to verify its legitimacy. 

This account appears to be false or unverified, and the furnisher has failed to produce any proof of debt ownership, signed contract, or payment history. Reporting such unverifiable and damaging information violates the Fair Credit Reporting Act ( FCRA ), including 607 ( b ) ( duty to ensure accuracy ) and 611 ( a ) ( requirement to verify disputed information ).

Despite prior disputes, Navy Federal Credit Union has not provided any supporting documentation confirming the legitimacy of this charge-off. The continued reporting of this false account has negatively impacted my credit profile and caused financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MD

Complaint narrative:
There is information on my report that needs to be removed due to a breach of my information. See the attached document.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name.

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MI

Complaint narrative:
My Experian credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

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 2025-11-07 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX  XXXX XXXX, XXXX. XXXXXXXX XXXX  XXXX, PA XXXX. 

15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The following information is information excluded from the definition of XXXX under FCRA : ( i ) Transaction or experience information including the customers account history with a company, the length of time a customer has held a credit card with the issuer, the number of times a consumer has been late in making payments on a credit card, and the average monthly balance in a consumer account ( LATE PAYMENTs reported on my Consumer Reports are ILLEGAL ) Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Enclosure : TRANSWORLD SYSTEMS Opened XXXX Thank you for you prompt attention to this matter.I look forward to receiving a written response from you within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion, LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-07 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: TX

Complaint narrative:
I am disputing the following accounts listed on my Experian report. Please review these accounts as I believe they may contain inaccuracies or incomplete information that needs to be corrected. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Inquiries : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : 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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is a formal disput and demmand for immediat discloshur of my consumer file as requird by tha Fair Creddit Reportin Act ( FCRA ). Althow some XXXX party platforms show a score linkd to Equifax, my full creddit file and tradelinez do not appear or load properlee on most systems. This indicates data handlin or access violashunz under federal law. XXXX. FCRA 609 ( 15 U.S.C. 1681g ) File Disclosure Right Under FCRA 609, I am entitld to a complete copy of all informashun Equifax maintains about me. This includz all tradelinez, collections, public records, inquiry historree, furnisher names, codes, and any internal recordz or remarkz. If Equifax can not locate or reproduce my file, I demmand a writtin explenashun of why and how the file has become inaccessible or partial. XXXX. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Accuracy of File Maintenence Equifax must maintain reasonable procedurez to ensure maximum possible accurasy. Failur to display my full report while simultaneusly providin creddit data to XXXX parties is a violashun of data integritee standards and deprives me of my right to full disclosure. 3. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigashun & Method of Verificashun I demmand tha Method of Verificashun ( MOV ) for any previus disputes, deletshunz, or unverifibel tradelinez. Provide tha MOV detailz includin : tha furnisher contact, date verificashun occurred, and exact recordz or databases used to 'verify ' data. Failur to produce MOV is noncompliance. 4. Technical Access Violashun My Equifax profile displayz partial data on some credit monitorn systems but not others. This inconsistency shows incomplet transmishun or mishandlin of consumer data. Equifax is required to maintain uniform recordz across all authorized access points. Provide a full technical explanashun for this error, includin all system IDs or API endpointz relevent to my files data transmittshunXXXX. Immediate Corrective Actshun Demmand- Provid my full consumer file within XXXX ( XXXX ) busines dayz.- If no file existz or data is partial, provid a writtin explenashun and investigashun resultz.- Produce any and all XXXX  recordz relatd to previous disputes within XXXX  dayz.- Confirm your compliance writtinly to my address above. XXXX. Failure to Comply Failur to comply with this legal request will result in complaints filed with XXXX XXXX XXXX XXXX XXXX ( CFPB ) and tha Virginia XXXX XXXX, and may result in civil actshun under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. This letter serves as a formal and final demmand for Equifax to correct this violashun and to fully disclose my consumer file under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding several accounts listed on my credit report. These accounts may contain inaccuracies or incomplete information, and I am requesting a thorough investigation of the details below. 
Charged Off Accounts : Account Name : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Inquiries : Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : 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 2025-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I took a loan out of approximately XXXX XXXX 
Essentially they use a loophole called a CAB fee to not be titled XXXX. 
So I take the loan and see they have prorated fees, so I go okay XXXX take this loan out and pay it off by the first payment to only pay like XXXX $ in fees. 
XXXX is the deadline and I have enough money to pay it But they already pulled from my checking account and it was pending New balance of XXXX I know my checking doesnt have money so I call them to tell them hey can I make an overpayment with my other account to settle the balance? The pending payment is going to bounce, can I overpay it so that way XXXX covered and its paid off. They tell me no I can not do that. I say can I speak to your supervisor? They say she will call you back within 10 days. 

How is this legal? Everything they do makes it so that you hit the next echelon of fees. 

I made good faith in trying to pay it off on time and avoid all of this. I had the money, I attempted and they wouldnt let me. Then when the supervisor called, it was only for like XXXX seconds! I couldnt even get to the phone in time to answer she hung up so fast. 
So now I called today and tried to explain to them, hey I tried to pay this off in full, etc. can you waive the XXXXXXXX XXXX  increased fee? I tried in good faith to pay you your money and you literally wouldnt let me. 

She said no, theres no way out of paying the increased fee. I called her predatory and she said CASHNETUSA is not predatory. That is absolutely insane, I dont know how this is legal, they want to charge me XXXXXXXX XXXX fee for a XXXXXXXX XXXX loan. 

Anyways I feel that I am entitled to a reimbursement of the additional fee I incurred. I did everything in my power to make it right and pay them their money before the deadline. Instead I got told no over and over and that it takes XXXX  days to talk to a supervisor? And their company isnt predatory?! Absolutely insane. 

Thanks for your time, I hope you have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-07 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: WA

Complaint narrative:
I am requesting that Experian conduct a thorough review of the following inquiries on my credit report, as they do not accurately represent my credit activity. These inquiries are incorrectly reported and have a detrimental effect on my credit score. In accordance with the FCRA, I am requesting that Experian verify these entries and remove them if they can not be substantiated with proper documentation. 

Inquiries : 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 XXXX XXXX XXXX XXXXXXXX

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 2025-11-07 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: NC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-11-07 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 XXXX 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 2025-11-07 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief