vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CITIBANK, N.A.
State: CO

Complaint narrative:
In XX/XX/year>, I submitted a fraud dispute regarding a Citibank account I do not recognize. I requested an investigation and specifically asked for standard validation documentation such as a signed application or anything clearly linking me to the account. Instead, I was sent only pages of transaction history and monthly statementswhich do not prove I opened the account. 

The investigation was not completed until XX/XX/year>, yet my XXXX credit report shows Citibank updated the account on XX/XX/year>. This means they continued reporting during an unresolved fraud dispute, which violates the Fair Credit Reporting Act ( FCRA ). Reporting account activity before the investigation was complete is unacceptable. 

Additionally, communication and collection efforts were handled through XXXX XXXX XXXX, a third-party debt collector. However, I never received proper validation from them either. My written dispute was sent to XXXX XXXX on XX/XX/year>, and they responded much later ( XX/XX/year> ), still failing to provide the documentation I originally requested. In fact, the materials they sent referenced dates in XXXX after I had already disputed the account. 

This situation involves multiple violations : Failure to pause credit reporting during an open fraud dispute Refusing to provide proper validation of the debt Reporting to the credit bureaus without resolving the dispute Using a third-party collector to pursue debt that remains under dispute Mishandling of identity theft documentation under FCRA and FACTA Despite submitting an FTC Identity Theft Report, both Citibank and XXXX XXXX XXXX XXXX XXXX maintain that I am responsible without substantiating proof. This has severely impacted my credit and caused unnecessary stress and confusion.

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 2025-06-23 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: NJ

Complaint narrative:
I am filing this formal complaint regarding multiple inaccurate, unverifiable, and unauthorized accounts being reported on my credit file. These items are damaging my credit profile and were either the result of identity theft, unauthorized reporting, or incomplete reinvestigations by the credit bureaus. 

Despite prior disputes, these accounts continue to appear, which is a direct violation of my rights under FCRA. I am requesting an immediate deletion of all listed accounts as they do not accurately reflect my credit history or have been improperly verified. The failure to remove unverifiable information is negligent and unlawful. 

Below are the accounts that must be immediately removed from my credit report : Negative Accounts to Be Removed XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX Status : Collection, Charged-Off Balance : {$2900.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX Account XXXX : XXXX Status : Charge-Off Balance : {$0.00} Reported to : TransUnion, Experian XXXX XXXX Account # XXXX XXXX Status : Collection Balance : {$570.00} Reported to : TransUnion, Experian, Equifax XXXX XXXX ( XXXX XXXXXXXX XXXX  ) Account # : XXXX Status : Closed by credit grantor Reported derogatory Reported to : Experian, Equifax FCRA Violations & Legal Grounds for Deletion : FCRA 605B : Reporting accounts due to identity theft must be blocked.

FCRA 611 : Credit bureaus are required to conduct proper investigations ; continued reporting of disputed accounts shows failure to comply.

FCRA 609 : I am entitled to full disclosure of the method of verification and original source, which has not been provided.

FCRA 623 : Furnishers must report accurate and complete information. Continued misreporting is a breach.

FCRA 602 ( A ) : Congress established my right to fair and accurate credit reporting. These accounts are violating that right.

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 2025-06-23 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: NC

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 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 2025-06-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX INQUIRIES : XXXX Date : XX/XX/year> XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
b"DOCUMENTS ATTACHED. \n\nCompaint submitted to FDCI on XXXX XXXX XXXX XXXX \n\nDue to CFPB's negligence valid complaint of fraud was closed and allegedly sent to CFPB for review. To this date, there has been no correspondence from CFPB and entity XXXX XXXX XXXX XXXX continues to report despite being in an active dispute status. \nXXXX XXXX aletered the credit profile XXXX XXXX to an inflated balance, after reporting XXXX XXXX a balance of 60-THIS IS FRUADULENT ACTIVITY FROM XXXX XXXX \n\n\nVIOLATION OF TILA \nALTERED CREDIT PROFILE TO CAUSE HARM; INFLATING BALANCE- SCREENSHOTS ATTACHED \n\nPERMISSIBLE PURPOSE AUTHORIZATION HAS BEEN REVOKED FOR XXXX XXXX.\n\nPOA ALSO REVOKED. \n\nPOLICE REPORT AND FTC REPORT FILED \n1099 ATTACHED FOR ADDRESS VERIFICATION"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
NARRATIVE Lost my wallet on XX/XX/XXXX XXXX at a gas station and since then I have check my credit report and there's checking accounts auto loans personal loans etc XXXX XXXX XXXX XXXX credit card XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX checking account XXXX XXXXXXXX XXXX account XXXX XXXXXXXX XXXX  account XXXX I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681 15 U.S CODE 1681 ( S ) - 2 SubSection 1F 15 U.S CODE 1681 ( 4 ) 15 U.S CODE 1681 ( a ) Please investigate these matters and block the disputed item as soon as possible.

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 2025-06-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX CA XXXX INQUIRIES : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX. I am a victim of identity theft. On XX/XX/XXXX, I mailed Navy Federal Credit Union a notarized dispute package pursuant to FCRA XXXX XXXX, requesting the blocking and removal of several fraudulently opened accounts and inquiries under my name : Navy Federal Credit Card ( Account # XXXX, {$1500.00} ) Navy Federal Personal Loan ( Account # XXXX, {$0.00} ) Unauthorized inquiries dated XX/XX/XXXX and XX/XX/XXXX My submission included : A notarized identity theft affidavit A government-issued ID My FTC Identity Theft Report ( Report # XXXX ) A list of fraudulent accounts Legal citations : FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ) Under FCRA 605B, they are required to block this information within 4 business days of receipt. To date, Navy Federal has failed to block, remove, or cease collection activity on these fraudulent accounts. 
These unresolved accounts are harming my credit and financial well-being. I am requesting that CFPB investigate and compel Navy Federal to fully comply with the Fair Credit Reporting Act by : Immediately blocking the fraudulent accounts and inquiries Ceasing all collection or reporting activity Providing written confirmation of these actions I have exhausted my options trying to resolve this directly and now request urgent assistance.

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 2025-06-23 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX. SC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
16 usc 1681 accuracy is vital and essential to consumers report. I have one name XXXX XXXX. No alias. My consumer report is not accurate. According to fcra. Let me help. There are accounts on my report that are reporting inaccurate information. XXXX XXXX XXXX IS A FRAUDULENT UNKNOWN ACCOUNT. I gave submitted the identity report to substantiate the claim by law. Please fix this and send a copy of my corrected report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX my XXXX XXXXXXXX XXXX was repossessed for nonpayment. In XXXX of XXXX i received a letter from XXXX XXXX XXXX saying the car would be sold after XX/XX/XXXX. No time actual date or place was ever given after that letter. I asked by email and phone but was told i received that info already. I explained it told me the XXXX only and no other info. I never received anything as of this date XX/XX/XXXX. According to Michigan Law the finance company must give that info for chance to buy the car back. Since this info was not given it is a illegal sale of a repossessed car. I am not contesting the taking of the car but rather the sale. So either the car needs returned, replaced or the amount leftover needs cleared and removed from my credit report along with the repossession. If this is not done in a timely manner i will take legal action. MCL XXXX and MCL XXXX both are supporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: IL

Complaint narrative:
I am writing to express my extreme dissatisfaction and frustration with the handling of a fraudulent transaction on my Nova account. On XX/XX/year>, an amount of {$440.00} was stolen from my account. As soon as I noticed the fraud, I immediately canceled my card and contacted Novas support team to stop the transaction. 

I spoke with XXXX XXXX, who informed me that, since the card was canceled and the transaction was still in pending status, there was nothing more they could do. The transaction remained pending for several days, during which XXXX sent me instructions to file a dispute, which I promptly followed once the transaction cleared. 

What I fail to understand is why Nova, in this day and age of advanced banking technology and heightened awareness of scams, can not halt a fraudulent transaction before it is finalized. It is alarming that, despite acting immediately and following all provided instructions, I was informed that Nova would not approve my dispute.

Today, when I expressed my disappointment over this situation, I was met with a response that essentially told me that Nova would close my business account and wished me good luck. This response was completely unacceptable and left me feeling unsupported and completely disregarded as a valued customer.

Given the poor treatment and lack of empathy Ive received, Ive made the decision to take my business elsewhere. It is truly disheartening that a company I trusted has treated me in such a dismissive manner.

At this point, my confidence in Nova is at an all-time low, and I feel compelled to share my experience with others to help others avoid similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please assist me in reviewing accounts from these companies that are wrongly reporting late payments. I have checked my credit report and noticed incorrect late payment marks on some accounts. THERE SHOULD BE NO LATE PAYMENT REMARKS on these accounts. I request that these remarks be removed and the accounts updated as positive, per the agreement.

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