vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am disputing the accuracy of the Navy Federal account reporting as both a charge-off and active collection. According to FCRA 602A and 623 ( a ) ( 1 ), this is misleading and inaccurate. A charged-off account must be closed, and if the debt is placed for collections, it must be reported separately under the collection agencys name. Please provide documented proof that this account is accurately reported, or delete it entirely from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX XXXX {$55.00} XXXX XXXX XXXXXXXX 2. XXXX {$1000.00} # XXXX XXXX 3. XXXX  XXXX {$670.00} # XXXX XXXX 4. XXXX XXXX {$5100.00} # XXXX XXXX 5. XXXX {$1100.00} # XXXX XXXX 6. XXXX  {$1100.00} # XXXX XXXX 7. XXXX  XXXX  {$170.00} # XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I called the credit agencies on XX/XX/year> and all the rest of the week to correct my personal information but I have been unable to contact a person to help me.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called the credit agencies on XX/XX/year> and all the rest of the week to correct my personal information but I have been unable to contact a person to help me.

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 2025-09-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has repeatedly failed to provide any credible evidence supporting its claim that I opened the XXXX XXXX XXXX XXXX XXXX  account with a {$50000.00} credit limit. 

The documents submitted by Wells Fargo clearly reveal their fraudulent practices. They presented a generic credit card application that does not specify a credit limit or card type, along with an e-signature that is not mine. 

Moreover, they included a copy of the XXXX XXXX XXXX welcome letter which indicates a {$5000.00} credit limit. During a conversation with XXXX from XXXX XXXX XXXX department, I pointed out the blatant discrepancy between the alleged {$5000.00} limit and the {$50000.00} claim. XXXX suggested the cardholder must have requested an increase, insinuating that Wells Fargo conducted two separate credit reports : one at account opening and another for this supposed increase. 

I had demanded that XXXX provide undeniable proof that the cardholder requested this increase and that Wells Fargo actually ran two credit reports. Additionally, there is a substantial gap in time between the usage of the credit card, the payments made, and the alleged accumulation of {$55000.00} in debtcritical questions I posed to XXXX that remain unanswered. I had asked these questions many times, Wells Fargo has had ample time doing research and still failed to provide clear clarification. 

I received a letter indicating Wells Fargo requires another month for further research. I refuse to grant Wells Fargo any additional time. I have sufficient evidence to substantiate their fraudulent activities and predatory business practices. I demand an immediate resolution to this matter.

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 2025-09-07 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: TX

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX Equifax XXXX Experian ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Items listed above, have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove fraudulent addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX MILE XXXX XXXX # XXXX XXXX, TX XXXX XXXX Unauthorized Fraudulent Accounts Listed Below : XXXX. XXXX XXXX XXXX XXXX BANK XXXX XXXX, Opened on XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Opened XXXX, XXXX XXXX XXXX XXXX XXXX, Opened XXXX, XXXX XXXX & XXXX PL ( Original Creditor : XXXX CXXXX XXXX  XXXX * *, Opened XXXX, XXXX XXXX XXXX XXXX XXXX, opened XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, opened XXXX, XXXX Remove Unauthorized Fraudulent Inquiries Listed Below : XXXX XX/XX/XXXX Section XXXX & XXXX. If your company fails to comply, you will be required to appear in a court venue. 
Failure to respond Written By : XXXX XXXX ( MY IDENTIFICATION IS ATTACHED BELOW )

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 2025-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
A data breach lead to multiple people losing privacy. That privacy cost opened accounts that I never new were there until I watched my credit decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TN

Complaint narrative:
Subject : I am writing to dispute several unauthorized inquiries on my credit report. I am submitting this dispute to the CFPB regarding inaccuracies in my personal information as reported on my credit report by the EXPERIAN AgencyDispute Details : XXXX  XXXX XXXX XXXX  XX/XX/year> and XXXX XXXX  XX/XX/XXXX, XXXXn accordance with my rights under the Fair Credit Reporting Act, After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize. I request that the EXPERIAN Agency investigate this matter and provide me with written confirmation once the updates have been made. I would also like to receive an updated copy of my credit report reflecting these changes.

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 2025-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Subject : Formal Dispute & Request for Deletion of Late Payment Entries Dear TransUnion XXXX Department, I am writing to dispute inaccurate late payment entries being reported on my TransUnion credit file. After carefully reviewing my credit report dated XX/XX/XXXX, I identified multiple late payment marks that are incorrect, unverifiable, or reported in error. These include, but are not limited to, the following accounts : XXXX XXXX late payments reported in XXXX despite account being current. 
XXXX XXXX ( Acct. ending XXXX ) reported as charge-off with multiple late payments, not accurate. 
XXXX XXXX ( Acct. ending XXXX ) reported late XXXX days, later charged off, unverifiable. 
XXXX XXXX ( Acct. ending XXXX ) reported as charge-off, but payment history contains errors. 
XXXX XXXX XXXX late payment history not accurate and requires reinvestigation. 
Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights : 15 U.S.C. 1681i Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681s-2 Obligates furnishers of credit information to report accurately and correct errors once notified.

15 U.S.C. 1681c Sets limits on the time negative information can remain on a consumer report. 
The late payment notations being reported are inaccurate and damaging to my creditworthiness. 
Therefore, I formally request that these late payment entries be deleted from my credit report, as they can not be verified with complete accuracy. Please conduct the required reinvestigation and provide me with written confirmation of the results. If the furnishers of information can not verify the accuracy of the reported late payments, I expect full deletion of the negative information from my file, as required by law. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period as provided under the FCRA. Sincerely, XXXX XXXX XXXX I sent a copy to TransUnion already.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute and Request for Removal of Expunged Eviction Record I am writing to formally dispute and request the immediate removal of an eviction record that appears on my consumer credit report, tenant screening reports, background checks, and any other associated reporting systems. This eviction was expunged through a lawful order granted by the XXXX XXXX XXXX XXXX XXXX on XX/XX/ 2024, and therefore should no longer be reported under any circumstances. 

Per the court 's decision, the eviction has been fully expunged, meaning it is to be treated as if it never occurred under Virginia law. As such, its continued appearance on any consumer report or background screening violates the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies maintain accurate and current information. 
I have enclosed the following documentation to support this dispute : Copy of the official expungement order issued by the XXXX XXXX XXXX XXXX XXXX Copy of my government-issued ID I am requesting that you : 1. Remove any and all references to this eviction from my credit report, tenant screening files, and background checks.

2. Cease and desist from further reporting of this expunged matter to any third party.

3. Provide me with a written confirmation that this information has been permanently removed from all of your systems within a reasonable and timely manner, as required by the FCRA.

Please conduct a reinvestigation of this matter as required under the FCRA and update all records accordingly. I expect confirmation of removal within 30 days from the date of this letter, as stipulated by federal law.

Should you require further information or clarification, please contact me directly at the information listed above. Thank you for your prompt attention to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-09-06 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: MI

Complaint narrative:
I am disputing inaccurate and inconsistent credit reporting. XXXX XXXX XXXX XXXXXXXX loans were paid in full and closed XX/XX/XXXX. Despite this, Experian, Equifax, and TransUnion are each reporting different and conflicting information for these accounts, including late payments for XXXX, XXXX, and XX/XX/XXXX. 

I contacted both lenders in XXXX and XX/XX/XXXX to close the accounts and was told they would be closed. Despite this, they failed to act, continued billing, and then ignored my follow-ups. These lates are the result of lender error and service failure, not consumer fault. 

Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers may not report inaccurate information, and under FCRA 1681s-2 ( b ) they must correct errors once notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by National Credit Adjust, as reflected on my XXXX  credit report. 
Accounts in Question : Account # XXXX ( Original Creditor : XXXX Balance {$1100.00} ) Account # XXXX ( Original Creditor : XXXX XXXX, Balance {$610.00} ) Issues Identified : Improper Payment History Reporting : These collection accounts are being reported with continuous late payments ( XXXX XXXX ) each month. Collections should not reflect ongoing monthly delinquency, as this practice constitutes improper re-aging of debt, in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 5 ).

Potential Re-Aging of Accounts : The accounts show open dates of XXXX and XXXX, but balances and payment history extend into XX/XX/XXXX, which may inaccurately extend the reporting period beyond what is allowed under FCRA 605 ( a ) and ( c ).

Accuracy and Fairness Violations : Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy. Reporting ongoing late payments on a static collection account misrepresents the true status of the debt and unfairly harms my credit profile. 
I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased something via XXXX. The digital currency was not sent to the correct wallet address. Contacting XXXX  was pointless and provided nothing. It was also an XXXX  weekend. 

I contacted Bank of America WITHIN TWO DAYS and filed a billing dispute. I have been with that company for 25 years. 
I then called them back and dont recall what dates but it was much later and it had already been way too long and I was wondering what was going on the rep suggested that I change it to a fraud claim instead of billing dispute and I did they then came back and said that it was not And denied my claim months later. I called and complained and they said it was because I was turned into a fraud thing and its a billing dispute so I told them I do it however they want but I need to make sure its right the rep that I spoke to at the time and this is a couple months ago in maybe XXXX or XX/XX/year>, reopen my case did everything put notes in there that they made a mistake. They accidentally closed it because I got wrapped into some other claim that I had on the account with something that got okayed, but they closed this one out they took weeks and weeks and came back and said that I filed outside of the allowable window. I called them and disputed, and they agreed that that was wrong because they made the mistake and they put it up too far out and saw that I started the claim almost immediately. They now took weeks again and then denied it again for {$350.00} stating that I filed it outside the window again I complained again and I told them that I was going to report them that they are lying that theyre not paying attention to whats going on and theyre taking weeks and weeks each time that its way outside the window and I want my money back that they guaranteed me this when I opened my account 25 years ago that Id be safe. They reopened it denied it quickly sent me a letter and close my account as well so that I cant have an account with them. 


This is the most ridiculous and disrespectful thing I could think of that they could do theyre hiding theyre running and they dont care. 
Theyre completely outside their own parameters and rules that they set for reimbursement or helping you. They are embarrassed and because of that theyve decided to be vengeful and cancel the account. Not only are their actions illegal, but theyre immature and ridiculous. 

As of yet, I received XXXX paperwork that I can even scan in. I can not login online and they will not release anything to me whatsoever.

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