vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was trying to put freeze on all my credit XXXX  and XXXX  are done. Transunion i'm stuck in a loop with being on the phone for hours and they send me to supervisor i verify all my info and they only want to do through text and i'm not comfortable with giving out my ss # on text or phone but they ask. I have sent documents of what they have asked i received an email from XXXX issue support team XXXX stated verification is verified and to activate please do following to reset password. 
1.https : //www.transunion.com 2. Click log in on the top right of your pc on the Transunion ribbon. 
3. once on the log in screen select the log in help 4. select forgot password 5 : input requested information 6> reset password. so i did all of this and then got account locked to call XXXX and talked to XXXX she when through the same stuff but gave me site. members.transunion.com/unified login then select log on a different way. Got the same account locked now she said i have to wait 7 days to get access. The first person i talked on XX/XX/year> to was XXXX which was hard to understand she tried to tell me the email on account was XXXX i told her i never had that email and she then goes on about fraud then she send me to Supervisor XXXX stated i needed to verify my identity. and to send documents to the XXXX  @ transunion and have done this 3 times.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year> I received a phone call from Navy Federal Credit Union regarding fraudulent activity on my account. I was at work at the time and eager to protect the security of my banking information and credit. The man on the phone informed me of a loan that was taken out in my name in which I had informed him was fraudulent. He then told me that in order to resolve the issue without causing a negative impact on my credit score, I must return the funds to the creditor immediately. So I followed the instructions to the tee. Little did I know the man who had called me was not with navy federal but someone who had spoofed their phone number which I did not know was possible until this occurrence. And the phone call had caller ID that identified him as Navy Federal Credit Union as well. My phone also automatically blocks all calls from unknown phone numbers. And in doing so he lured me under false pretenses to transferring {$3700.00} to him via XXXX which I believed was returning a fraudulent loan when in reality he was tricking me into sending him my hard earned money. This man had already somehow accessed my Navy Federal online banking account using my birthday, Social security number, and debit card number. All of which I am not sure how he go ahold of. After the exchange with the fraudster, I was left with an uneasy feeling in my stomach and called back the number ( Navy Federal Credit Union ) and spoke with an actual staff member from their fraud department. They had informed me of the phone number spoofing in order to fool me and that he had accessed my account via those three key personal pieces of information. The lady helped me file a fraud claim and credited my account the {$3700.00} that was stolen from me. However on XX/XX/XXXX I received an email from Navy Federal saying that they weee denying my fraud claim and that the {$3700.00} would be removed from my account in 10 calendar days. Since then they have done just that. I filed an appeal with navy federal which they have officially denied as of XX/XX/XXXX. And filed reports on the situation with both the Federal Trade Commission and the FBI IC3. But even with Navy Federal being in possession of all this information they refuse to acknowledge the validity of my claim. And below I attached the screenshot of the incoming calls received from Navy Federal that were truly from the fraudster. Theyre call records should indicate that they never called me at these times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 formally objecting to specific accounts reflected in my report that I did not authorize. Please conduct a comprehensive review and delete them. Records are attached.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After numerous attempts with XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX to correct all the incorrect information to include but not limited to incorrect names and dates, ammouts owed, charge-off dates and amounts, incorrect late payments and amounts, numerous other incorrect information, and with there sham reviews and inaccurate information still being reported inaccurately to the credit reporting agencies which they need to be held accountable. After reporting the information that is incorrect to the company and the credit reporting agencies and receiving the same sham investigations by both the company and the reporting agencies showing more of the same inacute information instead of the correct and complete information reporting back correctly its reporting back verified with the wrong information over and over again due to sham investigations on the credit reporting agencies part and the complete lack of the companyto follow CFPB regulations. Both the company and the reporting agencies are not following CFPB laws by reporting inaccurate and incomplete information which after numerous attempts to correct are by CFPB regulations violating my consumer rights and I will be pursuing legal action if this information is not corrected properly. CFPB regulations state that the information must be reported fair, accurate, and complete but after numerous violations of this the company and the reporting agencies with there sham investigations keep violating my consumer credit rights. This information should be correct, accurate, and complete or be removed from all credit reporting agencies immediately before. I am being forced to peruse legal action due to the blatant violations to CFPB regulations by both the companyandthereportingagencies. All I have been requesting is that the information be corrected or now be removed since the company and the reporting agencies can not or will not follow CFPB regulations this shows how they just don't care about reporting the correct information and continue to violate the fair credit reporting act, along with other numerous violations of the CFPB regulations. Please remove the information from my credit report immediately.

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 2025-10-02 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: NM

Complaint narrative:
Multiple Notices of Cease and desist and Company was warned more then enough times I want CPFB to at minimum enforce the {$1000.00} per incident fine. Experian will receive a bill for {>= $1,000,000} usd for trademark use. Since they knew the cost and continue to profit off my stolen property and have no problems using after informed of costs so by law you acquiescing and any use of trademark indicates you accept my terms and conditions and agree to pay me for using my trademark without concent repeatedly and carelessly. Stop now and any future use will require no notice of amounts due because we notice.

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 2025-10-01 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: NV

Complaint narrative:
On XX/XX/year>, I received a Notice of Data Incident from but Experian confirming unauthorized access to my personal data, including my Social Security Number and Date of Birth. Because my identity was compromised while in their control, my credit report now contains negative, unverifiable, and potentially fraudulent items. 

I disputed these accounts, but Experian failed to remove them within the required XXXX window under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This provision requires immediate deletion of unverifiable items and prohibits reinsertion without proper certification and notice. Experian has ignored these protections, leaving me exposed to identity theft harms and unlawful negative 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 2025-10-02 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/25

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX a {$400.00} payment for my XXXX XXXX was processed and a payment to my car insurance to XXXX  of {$210.00}. Both are monthly autopay. I had over {$3600.00} in my account. The payment was posted authorized and cleared. Bank of America with no authorization removed {$2400.00} from my checking account with no warning or explanation processing it a priority over payments that had already been posted and/or processed. On XXXX Bank of America XXXX  days after payment made with my electronic deposit funds and payments were cleared and posted has made pending credit of the {$400.00} to XXXX XXXX and a pending credit to XXXX  of {$210.00}. On XXXX altered cleared posted payments as insufficient funds although they were cleared and posted on XX/XX/year> Bank of America has removed funds illegally has undone posted payments that I had funds for destroying my wifes credit

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 2025-10-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to follow up on my previous disputes regarding multiple billing and payment inaccuracies appearing on my credit reports with TransUnion, Experian, and Equifax. These inaccuracies involve accounts reported with late payments and balances that are inconsistent with my payment history and records. I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666, which protect consumers against billing and reporting errors and require thorough investigations and corrections of inaccurate information. 

The following accounts are being inaccurately reported : XXXX XXXX XXXX Balance : {$9800.00} | Last Payment Date : XX/XX/XXXX | Reported Late : 90 days ( XX/XX/XXXX ) and 120 days ( XX/XX/XXXX ). 
These reported late payments can not be verified through my financial records. There is no documentation supporting these delinquencies, making them inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX : {$240000.00} | Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX | Reported Late : 30 days ( XX/XX/XXXX ). 
I reviewed my account statements and found no evidence of any delinquency. The reporting of this late payment is inaccurate and misrepresents my payment history. 

XXXX XXXX XXXX XXXX : {$20000.00} | Opened : XX/XX/XXXX | Reported Late : 30 days ( XX/XX/XXXX & XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XXXX XXXX ), and 120 days ( XX/XX/XXXX ). 
These reported late payments are unverifiable and inconsistent with my payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am submitting this complaint to follow up on my previous disputes regarding multiple billing and payment inaccuracies appearing on my credit reports with TransUnion, Experian, and Equifax. These inaccuracies involve accounts reported with late payments and balances that are inconsistent with my payment history and records. I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1666, which protect consumers against billing and reporting errors and require thorough investigations and corrections of inaccurate information. 

The following accounts are being inaccurately reported : XXXX XXXX XXXX Balance : {$9800.00} | Last Payment Date : XX/XX/XXXX | Reported Late : 90 days ( XX/XX/XXXX ) and 120 days ( XX/XX/XXXX ). 
These reported late payments can not be verified through my financial records. There is no documentation supporting these delinquencies, making them inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX : {$240000.00} | Opened : XX/XX/XXXX | Last Payment : XX/XX/XXXX | Reported Late : 30 days ( XX/XX/XXXX ). 
I reviewed my account statements and found no evidence of any delinquency. The reporting of this late payment is inaccurate and misrepresents my payment history. 

XXXX XXXX XXXX XXXX : {$20000.00} | Opened : XX/XX/XXXX | Reported Late : 30 days ( XX/XX/XXXX & XX/XX/XXXX ), 60 days ( XX/XX/XXXX ), 90 days ( XXXX XXXX ), and 120 days ( XX/XX/XXXX ). 
These reported late payments are unverifiable and inconsistent with my payment records.

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 2025-10-02 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: CA

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains inaccuracies that undermine its accuracy and integrity. These errors are creating an ongoing negative impact on my financial standing and personal well-being, which is unacceptable. The stress caused by these inaccuracies continues to weigh heavily on me, and they must be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
am filing this complaint because I am having ongoing trouble submitting supporting documents through XXXX website. The website does not work properly and will not allow me to upload the required documents related to my dispute. 

When I contacted Experian, I was told to submit the supporting documentation through their online system, but the website consistently fails. This has prevented me from completing the dispute process and from having my supporting evidence considered. 

I want to know : Did Experian forward me to just submit documents without providing any functioning method to actually do so? At this point, the process feels broken and unfair, and I am unable to properly exercise my rights under the Fair Credit Reporting Act because of the technical failures on their end. 

I am requesting that the CFPB investigate this issue and require Experian to provide a reliable way to submit supporting documents so my dispute can be handled correctly.

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 2025-10-01 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: MN

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within XXXX ( XXXX ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccuracies on my credit report and disputed them with the credit bureau using the FCRA, metro 2 compliance and USC codes and the response was that they did not believe it was me even though I submitted supporting documents, and when I called they would not let me speak to a person and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: DISCOVER BANK
State: FL

Complaint narrative:
XXXX purchase. XX/XX/year> furniture delivered. Couch and master dresser were found to be defective/flaws. The purchased XXXX  year warranty was never received. The furniture store movers damaged walls to our new townhome. 
Unsuccessful attempts with XXXX. 
Dispute with Discover XX/XX/year> Discover accepted a forged contract from XXXX. 
Police report filed XX/XX/year>. 
Under Regulation XXXX  ( XXXX XXXX .. & XXXX ), creditors must promptly and fairly investigate billing error disputes. Discover 's failure to investigate after a Police report was submitted, and its XXXX acceptance of a fraudulent document constitute a violation of their duties under the Truth in Lending Act. 
I am currently working with an Attorney pertaining to the mishandling of the billing dispute process according to law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: LA

Complaint narrative:
The dodger charger that I got a loan with, XXXX is paid in full. It's not delinquent. I have doctation from the insurance company and from XXXX state that my loan was paid in full. Once again not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: NV

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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