vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-08 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: GA

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by 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 2025-12-08 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.

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I am unconnected to these accounts and require their removal within 15 days pursuant to the Fair Credit Reporting Act.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Since XX/XX/year>, I have been the victim of ongoing fraud and account compromise involving my personal PNC Bank account. This occurred while fleeing a XXXX XXXXXXXX situation, and PNC has not provided appropriate support or communication despite being made aware of these circumstances. 

I have not had access to my account in months. I was never issued a new debit card after my account was locked down by the XXXX XXXXXXXX branch. I can not access my account online or at ATMs. The only way Ive been able to interact with my account is by going into a branch, and even there, I have been denied basic information like printed statements. 

I was notified by letter that certain disputed transactions were resolved in my favor and over {$2000.00} was credited to my account between XXXX and XX/XX/year>. However, those credited funds disappeared from my account without explanation. When I called to ask what happened, I was told the funds were returned, but I never received clear reasoning or documentation. 

I also learned that there were two debit cards connected to my account I never authorized more than one, and I am the only account holder. Additionally, my PNC account was linked to third-party services I do not use, including XXXX, XXXX, XXXX, and possibly mobile wallet services. 

To be clear, I do not use voice banking, I do not use mobile wallet services or phones for payment transactions, and I use XXXX very sparingly. I never authorized repeated or large XXXX transfers, especially not to the individual subject to a restraining order issued XX/XX/year>. 

Since this situation began, I have been unable to pay recurring bills, resulting in late fees, returned payments, and financial harm. I have had a strong banking history with positive balances, and I believe PNC should be able to identify clear deviations from my historical banking patterns under Know Your Customer ( KYC ) standards. Still, Ive received no support, explanation, or access to documentation. 

This situation overlaps with confirmed fraud in my XXXX XXXX account, and I believe there may be duplicate transactions ( such as XXXX or XXXX ACH payments ) that affect both institutions. I also want to flag the following individuals/entities for potential involvement in abuse or fraud : XXXX XXXX ( my XXXX  ), Above XXXX XXXX, and XXXX XXXX XXXX . Additionally, my XXXX was compromised, and my ID was changed at XXXX XXXX without consent I am concerned this may have happened at PNC as well. I have also gotten duplicate text messages when trying to confirm my identity as well as emails i believe to be spoofing emails that i did send to abuse at pnc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
This is a response to Navy Federal Credit Union. I am still in disagreement with the outcome of their allege investigation. I did not authorize the transaction and stated this several times. Navy Federal Credit Union only closed the complaint purposely because they were able to charge me excessive overdraft fee charges. Navy Federal Credit Union was just sued for this very practice. This was their responseThe following references the complaint we received on XXXX XX/XX/2025 from the Consumer Financial Protection Bureau on behalf of Navy Federal member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. On XXXX XX/XX/2025, our member submitted a debit card merchant dispute claim in the amount of {$490.00} against XXXX XXXX. Subsequently, we requested additional supporting documentation from our member, which our member provided. On XXXX XX/XX/2025, our member resubmitted the dispute as an unauthorized debit card activity claim. Based on our investigation, we were unable to conclude that an unauthorized activity occurred, and the claim was closed. On XXXX XX/XX/2025, written notification was sent to our member. A copy of the notification is attached for our members reference. Should our member have any questions, our member may contact us anytime at XXXX ( XXXX ). None of what is stated is true. I have done everything I could to get my money back and Navy Federal Credit Union has been no help. I never authorized such a charge and do belief one of the employees stole my information and used it unlawfully and Navy Federal Credit Union has not helped me at all. I would like my money back from this transaction and all the fees that I was charged when I never went into that store or authorized them to charge me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
Review the materials given ; the questions appeared without advance notice and might not have clearance.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Greetings, I am writing to formally dispute these unauthorized hard inquiries that has appeared on my credit report. 

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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported against these accounts since XXXX of 2024 through a credit repair company called XXXX XXXX. I was affected by credit Bureaus data breach and the reported accounts and inquires are fraudulent and unknown accounts to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: FL

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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
On Thursday XX/XX/XXXX I was contacted by XXXX XXXX and a message was left by someone named XXXX XXXX stating that they were sending someone to my residence the next day to appraise my vehicles. Once I called back, I had no knowledge of this loan. I asked why was a person coming to appraise my cars? I was sent to a person that gave me different options. They pretended to click over to talk to someone to see if they would agree from XXXX  loans to see what they would agree to accept from me at a smaller amount. They clicked over and say that they would accept some lump sum like {$1300.00} or something like that. I let them know. I am not able to pay that because I am on like a fixed income right now due to a slip and fall that I had at my job The Postal Service. They didnt sent me to another person which said they would accept {$50.00} once a week until I pay off the XXXX. I didnt want to agree to any of this but it was like I was threatening like they were going to come and take my XXXX XXXX and I let them know. I didnt understand how they could take a car that Im still making payments on and not the car that was paid for which is the XXXX XXXX but they told me thats how they work and thats what they will be able to do was with the car thats not paid for which made no sense to me. So I was pretty much pressured into making this payment arrangement which I still feel is not fair because this is a loan that is almost XXXX XXXX XXXX. I have no knowledge of this loan. In which I later found out XXXX loan which is the original people of this loan so its sent to a third-party and that Zoca loans is no longer in service and theyre up in a lawsuit for charging extremely high interest rates. I went in trying to send you a copy of the XXXX somehow it is not available.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
I do not recognize these accounts and formally request their removal within 15 days according to the Fair Credit Reporting Act.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate and unauthorized information appearing in my Equifax credit file. I am demanding that Equifax enforce my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires your agency to provide me with all reinvestigation procedures and evidence used to verify the disputed items. 

If you are unable to verify the accuracy of the information listed below, Equifax must delete it immediately as required by law because it is negatively affecting my life and financial stability. 

Under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have a fundamental right to privacy regarding my financial information. In addition, 15 U.S.C. 1681 ( a ) ( 4 ) requires that consumer reporting agencies ensure accuracy and privacy of consumer information. 

No permissible purpose exists under 15 U.S.C. 1681b that authorizes any company to access my credit file without my direct authorization. The following inquiries were not authorized by me and must be deleted immediately. 

PERSONAL INFORMATION CORRECTION REQUEST Equifax is reporting inaccurate personal information. 

Please correct my identity information exactly as shown on my valid government-issued identification : Full Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX Birth : XX/XX/year> Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX all incorrect names, extra variations, and addresses not belonging to me. 

UNAUTHORIZED INQUIRIES TO BE REMOVED/ BLOCKED ( Equifax ) As a victim of identity theft, I request removal of the following unauthorized inquiries under : FCRA 605B Identity Theft Blocking ( 15 USC 1681c-2 ) FCRA 604 ( a ) ( 3 ) No Permissible Purpose FCRA 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information FCRA 609 ( a ) ( 1 ) Right to Know Who Accessed My Report Equifax Unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FORMAL REQUESTS I am demanding that Equifax : Remove all unauthorized inquiries immediately Correct all personal information Provide written documentation showing permissible purpose Provide reinvestigation records under FCRA 611 Provide verification evidence showing who accessed my report If Equifax can not verify these inquiries, they must be removed under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). this following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NY

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
This inquiry does not belong to me and was opened without 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 2025-12-08 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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 make it absolutely clear that this complaint is valid. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on me, and I can not overstate the urgency of correcting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: KY

Complaint narrative:
I am disputing a debt XXXX XXXX sent to collections that I do not owe. XXXX required me to close my account because they could not provide service at my new address. This was not a voluntary cancellation. XXXX confirmed the lack of coverage and told me I had no choice but to terminate the account. 

After forcing the cancellation, XXXX accelerated my remaining device balances, billed me for the full amount, and sent the account to collections. This debt is invalid because the charges were created by XXXX inability to provide service, not by any failure on my part. 

As a result of this improper billing, I have suffered : Negative credit reporting Collection activity for a balance I do not owe Loss of device financing terms I originally agreed to Time and stress caused by disputing an issue XXXX created

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