vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) Method of Verification. 

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within XXXX  days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
Equifax, has an incorrect inquiry on my credit report, causing my score to drop. They reported a closed credit card, that's been closed since XXXX from XXXX XXXX XXXX XXXX, and they reported that my score went down because of late payment and the credit card has been closed since XXXXXXXX. Recently I paid that bill off, and I never closed my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: GA

Complaint narrative:
Subject : Third Complaint? Violation of FCRA 1681i ( a ) Due to Non-Deletion of Unverified Account Related Complaint IDs : XXXX and XXXX This is a follow-up and third formal complaint regarding an unresolved and unverified collection account reported by Collection Bureau of America ( on behalf of XXXX XXXX XXXX  XXXX ) to the major credit reporting agencies.

As of the date of this letter, it has been over 45 days since my original dispute and CFPB complaint ( filed XX/XX/XXXX ). The furnisher has still not provided any verification of the debt. In their latest response to my supplemental complaint filed XX/XX/XXXX, they stated the matter is still? under investigation? with the original creditor.

This delay is a direct violation of the Fair Credit Reporting Act, specifically : - FCRA 1681i ( a ) : Information disputed by a consumer must be verified or deleted within 30 days.

The failure to remove the account due to unverifiability within the allowed timeframe is a violation.- Cushman v. TransUnion Corp. , 115 F.3d 220 ( 3d Cir. XXXX ) : Reinforces the requirement for credit bureaus to conduct an independent investigation beyond simply passing the dispute back to the furnisher.

I am formally requesting that the CFPB enforce FCRA 1681i ( a ) and direct the immediate deletion of this unverified collection account ( Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my credit reports with XXXX XXXX, and XXXX. 
Please escalate this matter accordingly and provide written confirmation of the actions taken. Thank you for your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Misuse of my personal information in the attempt of applying for credit cards, loans and other financial gains.

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 2025-07-02 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: 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! 

I have attached a copy of my XXXX issued XXXX as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-02 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: EQUIFAX, 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! 

I have attached a copy of my XXXX issued XXXX as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Please see the attached documents related to my dispute. 

The personal information listed in my credit report is inaccurate and does not belong to me. Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to add a statement to my consumer file disputing the accuracy or completeness of the information being reported. 

I am formally requesting that the inaccurate information be investigated and corrected or removed as appropriate. Please review the supporting documentation I have provided.

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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Veros Credit, LLC
State: CO

Complaint narrative:
I notified the car dealership that I was resending. My contract sent all necessary paperwork along with the affidavit, never got a response from the company, and then they came and took my car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: GA

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for overdraft protection with, Navy Federal and my account was charged and closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Please remove XXXX XXXX XXXX XXXX ( {$2000.00} ) from my credit report. XXXX XXXX XXXX XXXX has 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 an 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 is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I purchased a vehicle from XXXX XXXX of XXXX in XXXX of XXXX and the agreed-upon price was approximately for only purchasing the car with no trade in or add ons, and was offered a free deal that supposedly came with my car. However, the final charges came out the be XXXX for the service contract and XXXX in maintenance fees due to unauthorized add-ons that were not disclosed to me or agreed upon. 

Specifically, the dealership added a warranty and maintenance plan without my knowledge. I was not informed about these charges, I did not request them, and I did not knowingly sign for them. 

When I went up there to try to resolve this issue it was a lack of empathy and they are trying to lie about the milage that I got the car at so that I won't be able to get a refund. 

I recently returned to the dealership after discovering these charges trying to refinance my car and the manager admitted that the refund would only be pro-rated based on my vehicles mileage. However, since I never agreed to these add-ons, I am demanding a full refund. The dealership is treating this as a cancellation instead of a deceptive and unauthorized charge, which it is. 

I believe this is a violation of federal consumer protection laws and unfair lending practices. These charges were bundled into my auto loan without transparency or proper disclosure, which inflates my loan balance and interest over time. 

I am requesting that the CFPB investigate this issue and require the dealership and lender to issue a full refund for any unauthorized products added to my loan without my consent. I am also asking that my loan balance be adjusted to reflect the correct amount I agreed to finance. 

The salesperson goes by the name of XXXX and my lender is XXXX XXXX XXXX. 

Victim info : XXXX XXXX XXXX number : XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-07-02 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-02 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I received a check which consists of me and my roomates names on it, as our apartment refund money - {$5100.00}. This check was issued XX/XX/XXXX, and immediately as I received it, I deposited it through online mobile banking. Soon, Chase said it was fraudulent because it was directed to my account and they deposited the money, held the money, and refused to release it to me. Not only that, they closed my account and said that I could not receive the money even though my name is on the check. They need to call my roomate ( other name on check ) to verify that the check is correct. My roomate has moved to another country and does not have an US number associated that could be verified. I called many times in XX/XX/XXXX through XX/XX/XXXX. Kept trying to call through the whole year of XXXX and keep hearing that they cant release money. I asked if I could have the other person on the check sign something notarized, with government ID attached to release the money to me. The answer is still no. I asked if they could route it back to the sender, answer is still no. They deposited it and held onto the cash and told me that its theirs now. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute a negative entry on my consumer report and to report unethical conduct by one of the ChexSystems representatives during a recent phone call. 

On XX/XX/year>, at approximately XXXX XXXX EST, I spoke with a ChexSystems representative by phone. The call lasted around 3 minutes. During this conversation, the representative told me that ChexSystems could remove the negative item from my report immediately if I paid {$300.00}, or I would otherwise have to wait another three years for the entry to fall off. I found this statement alarming, coercive, and potentially unlawful.

I have reason to believe that this behavior violates the Fair Credit Reporting Act ( FCRA ), which guarantees consumers the right to dispute inaccurate information on their reports without being charged a fee. I did not agree to pay the {$300.00}, and I am now submitting this formal dispute.

The entry in question is connected to my former client, XXXX XXXX XXXX, who issued me a payment that was later flagged and returned by the bank as potentially fraudulent. I had no knowledge of any wrongdoing on his part. I immediately terminated my business relationship with him upon learning the check was returned. I did not engage in any illegal or fraudulent activity, and I have documentation to support this, including : A signed contract between myself and XXXX XXXX via XXXX An invoice for services rendered A final email I sent to XXXX XXXX ending our agreement As a result of this incident, I have since been denied the ability to open a checking account. This is causing significant hardship and reputational damage.

I am requesting the following : 1. An immediate investigation into the entry on my report.

2. A review of the phone call from XX/XX/year>, at XXXX XXXX EST to determine whether the representatives actions violated consumer protection laws or ChexSystems own internal policies.

3. Immediate removal or correction of any inaccurate or unfairly reported information.

4. Written confirmation of the outcome of your investigation.

Please consider this my formal dispute under the Fair Credit Reporting Act. I expect a written response within 30 days, as required by federal law.

Sincerely,, 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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief