vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-29 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: NY

Complaint narrative:
I'm currently receiving collection calls for an account that doesn't belong to me. After reviewing my credit, I've discovered multiple fraudulent accounts opened in my name.

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 2025-12-29 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'm currently receiving collection calls for an account that doesn't belong to me. After reviewing my credit, I've discovered multiple fraudulent accounts opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On my Navy Federal account, several debit card transactions totaling {$4100.00} was made without my knowledge or permission. I did not authorize these purchases, I did not give my card to anyone, and I did not benefit from the transaction in any way. As soon as I noticed the charge, I reported it to Navy Federal as fraud.

Navy Federal denied my claim and said their information contradicts my statement, but they did not show me any proof or documentation of what they found. I asked for the evidence they used, and they have not provided it. They also did not explain how the transaction would appear authorized when I did not make it. 

These large transactions was unauthorized, and the denial was unfair. I am requesting that Navy Federal provide the evidence they used, reopen the investigation, and credit the funds back to my account as required under Regulation E. I am struggling financially, and this loss has caused a serious hardship. 

I am asking for the CFPBs help to get Navy Federal to : 1. Provide all documents they used to deny my claim, 2. Reinvestigate the fraud claim properly, 3. Refund the {$4100.00} that was taken without my permission.

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 2025-12-29 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: GA

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-29 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am submitting this complaint regarding a 90-day delinquency reported by MOHELA on my federal student loan account in XX/XX/year>. 

The delinquency occurred during a period of unpaid maternity leave, which caused a temporary financial disruption. At the time, I was unaware that additional hardship or administrative forbearance options may have been available to prevent delinquency reporting.

Since returning to work, I have brought the account fully current and have remained in good standing. This was an isolated hardship-related event, and I otherwise have a positive payment history.

I previously submitted a goodwill adjustment request directly to MOHELA, which was denied. I am respectfully requesting a compliance-level review of this account to determine whether the XX/XX/year> delinquency can be removed or adjusted as a goodwill consideration, or whether a retroactive hardship or administrative forbearance can be applied for the maternity leave period. 

This negative mark is causing ongoing and disproportionate harm despite the account now being current, and I am seeking a fair resolution given the temporary nature of the hardship and my current compliance. 

Thank you for your review.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Unresolved Credit Card Billing Error Charged for Merchandise Not Received ( {$2000.00} ) I am submitting this complaint regarding Barclays Bank Delawares failure to properly resolve a credit card billing dispute involving a {$2000.00} charge for merchandise I do not possess. 
On XX/XX/year>, I purchased a new-with-tags XXXX dress from merchant XXXX using my Barclays credit card. I received the item on XX/XX/year>. The dress was significantly too large and was returned the very next day in unworn condition, with all tags attached, exactly as received, in compliance with the merchants published return policy. 
XXXX improperly denied the return, alleging a minor interior mark that did not reflect the condition in which the item was received or returned. Weeks later, without my authorization, the merchant shipped the dress back to me. I immediately contacted Barclays and was explicitly instructed by a Barclays representative to refuse acceptance of the shipment. I followed those instructions. The merchandise was never re-delivered to me and is not in my possession. 
Barclays initially ruled in my favor and indicated that I was not responsible for the charge. That decision was later reversed without a clear or reasonable explanation. I was then informed the dispute had been closed due to alleged inability to reach me, despite only one attempted call and my return call within minutes. Since then, Barclays has failed to meaningfully engage or correct the error. 
This dispute is not about product quality or merchant preference. It is a billing error involving failure to issue a refund after a valid return and billing for merchandise not received. Under the Fair Credit Billing Act, I should not be held responsible for this charge. 
I am requesting that the CFPB require Barclays to conduct a proper investigation, reopen this dispute, and permanently reverse the {$2000.00} charge.

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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: HI

Complaint narrative:
I received multiple calls from an unknown number and they left messages saying I had a case filed against me. They called my family members all over the US stating the same thing in voicemails. Asking where my residence is and that theyre trying to locate me. I finally answered the call XX/XX/XXXX. They said I am being sued and need to appear in court in a state I no longer live in unless I pay an amount from an old debt with the company Acima. They knew my birthday and social security number so I thought it was real. They said I was attempting to defraud a financial institution and it will go on my permanent record. They told me the amount is {$940.00}, which is not the amount I ever owed Acima. They said it was more because court fees and lawyers. They said if I dont pay it quickly, I will be served paperwork for court. The first lady was the locater but never asked my address. She refused to tell me what I was being sued for but transferred me to someone else. That lady looked up my case number that was left on the voicemails to my family. She said I must appear in washington unless my lawyer can. I live in XXXX  and just had a baby, I can not go to Washington. I panicked and gave them my credit card number but never received any confirmation from them for payment or the debt owed or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2025-12-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, two unauthorized charges of one for {$100.00} then for {$95.00} from XXXX posted to my Cash App debit card. 
These charges showed no matching purchase history in my XXXX ID ( checked multiple times at XXXX and account settings ). 
I immediately secured my account : blocked the merchant XXXX in Cash App, locked my card, reported it lost/stolen, and requested a replacement card. 
Evidence of fraud : An unauthorized sign-in to my XXXX XXXX  occurred from a new XXXX device in XXXX XXXX XXXX California at XXXX XXXXXXXX XXXX  on the day of the charges. I live in Texas and have never been to California. I logged out the device immediately. 
XXXX Support confirmed the charges originated from an unrelated fraudulent account ( not my XXXX ID or anyone I know ). They disabled the fraudulent account, banned my payment method on their side, and documented it as fraud. 
I promptly disputed the transactions as unauthorized in Cash App. Cash App denied the initial dispute, stating it was authorized based on in-app merchant authorization. 
I appealed on XX/XX/year>, providing all evidence : XXXX XXXX chat transcript confirming unrelated fraudulent account, and screenshots of the unauthorized California device sign-in at the exact fraud time. 
Cash App denied the appeal as well, without addressing the evidence of account compromise and fraud. 
These are clearly unauthorized transactions due to fraud/hacking, and I am entitled to a refund under federal law ( Regulation E ). Cash App has failed to properly investigate or refund despite strong proof from both me and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm a victim of identity theft. A fraudulent account was removed from my credit report and then reinserted. XXXX XXXX was reinserted by TransUnion.

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 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: OH

Complaint narrative:
I am filing this complaint against Sequoia Financial, a third-party debt collector attempting to collect an alleged debt related to a motor vehicle accident. Sequoia Financial is not the original creditor. 

I dispute the validity, amount, and collectability of this alleged debt. Sequoia Financial has not provided documentation establishing that I owe this debt, that they have the legal authority to collect it, or that the amount claimed is accurate.

This alleged debt has resulted in a security suspension of my drivers license, causing significant hardship. Despite the serious consequences, Sequoia Financial has failed to provide adequate verification to support continued collection activity. 

I am requesting that Sequoia Financial either provide full, legally sufficient documentation validating the debt or close the account and cease all collection activity. If the account is closed, I am requesting written confirmation that the debt is closed or withdrawn so I may address the reinstatement of my drivers license.

I am requesting CFPB assistance to ensure compliance with the Fair Debt Collection Practices Act and to require Sequoia Financial to respond in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute 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 2025-12-29 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: NY

Complaint narrative:
I previously disputed the accuracy of the tradelines listed below and requested correction or deletion. Despite my dispute, the Company continues to report the same information and has not provided a meaningful, evidence-based explanationonly a generic verified outcome. This conduct appears inconsistent with the duty to follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ) and the duty to conduct a reasonable reinvestigation after a dispute ( 15 U.S.C. 1681i ).

If the Company claims the information was verified, I request full details of the verification, including the Description/Method of Verification required by 15 U.S.C. 1681i ( a ) ( 7 ) ( what was reviewed, with whom, and how ), not a boilerplate response. I am requesting CFPB assistance because the continued inaccurate reporting is causing ongoing harm and the matter has not been resolved through standard dispute channels. 
Disputed items : XXXX. XXXX XXXX - XXXX - balance {$2.00} - opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - balance {$0.00} - opened XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - opened XXXX balance {$1.00}

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 non-monetary relief