vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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! 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: UT

Complaint narrative:
I am filing a complaint once again to formally dispute and request the immediate and permanent removal of multiple inaccurate accounts and unauthorized inquiries appearing on my Experian and TransUnion credit reports ; this is my fifth-round request, as despite prior disputes and attempts to resolve these issues, these items continue to appear on my reports, misrepresent my credit history, and cause ongoing stress, anxiety, and potential harm to my ability to access credit fairly. On TransUnion, several charged-off accounts are inaccurately reporting balances without a XXXX, in violation of FCRA XXXX ( b ) [ 15 U.S.C. 1681e ( b ) ], including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting balances of {$7700.00}, {$1200.00}, and {$11000.00}, as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2400.00} ; none of these accounts have proper documentation to substantiate the reported balances or their charged-off status, and their continued reporting is inaccurate, misleading, and harmful. Additionally, on Experian, multiple unauthorized inquiries appear without my consent or permissible purpose, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, and XXXX XXXX XXXX XX/XX/year>, which violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) ; despite multiple prior disputes, these inaccurate accounts and unauthorized inquiries remain, misrepresent my credit history, and unfairly impact my financial opportunities.

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 2025-11-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXXSubject: Request to Block and Delete Fraudulent Accounts  Identity Theft VictimXXXXDear Experian Consumer ServicesXXXXI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.XXXXThe fraudulent accounts that I have identified on my credit report are as follows:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.XXXXFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.XXXXIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.XXXXThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.XXXX 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 2025-11-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: HI

Complaint narrative:
Issue : Improper negative credit reporting due to lack of required notice of student loan transfer. 

I am filing a complaint regarding the reporting practices of my student loan servicer. My student loan was transferred to a new servicer without any notice to me whatsoeverno email, letter, or digital communication. Because I never received proper notice, I had no knowledge of the transfer or the new account, and as a result I unintentionally missed payments. 

The servicer then reported delinquent payments to the credit bureaus, causing my credit score to drop from around XXXX to approximately XXXX. This is the only derogatory item on my report. 

Furthermore, during this period, no payments were required or requested due to COVID-related legislation, leading me to reasonably believe that my student loan had been paid off in its entirety. This lack of communication and payment requirement created a false impression that my obligation was fulfilled. 

Once I discovered the issue, I immediately conducted research, contacted the new servicer and paid the loan in full. I later filed a dispute directly with the servicer, but they denied my dispute stating they reported accurate information, without addressing the fact that I was never notified of the transfer. 

Under federal regulations governing loan transfers, servicers are required to send timely and adequate notice of transfer. Because no notice was ever provided, the negative credit reporting is misleading and does not accurately reflect my responsibility or intent to pay. 

I am requesting the CFPBs assistance in having the inaccurate delinquency reporting corrected or removed due to the servicers failure to notify me of the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am submitting to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report, which I have carefully reviewed and verified against my personal records. I have identified several errors that misrepresent my credit history, payment behavior, and account statuses. These inaccuracies include incorrect addresses, charge-off accounts, collections, and inquiries, each of which requires immediate reinvestigation and correction under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$380.00} Original Creditor 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a charge-off applied to my account with Navy Federal Credit Union XXXX I believe this action was taken improperly and without adherence to fair consumer protection standards. 

First, I did not receive adequate notice or documentation prior to the charge-off. XXXX XXXX failed to provide written communication outlining the delinquency status, the timeline for resolution, or the consequences of non-payment. This lack of transparency violates the Fair Credit Reporting Act ( FCRA ) and potentially the Truth in Lending Act ( TILA ). 

Second, the amount charged off includes transactions I previously disputed. I submitted documentation and requested an investigation, but XXXX XXXX did not respond or resolve the dispute before proceeding with the charge-off. This undermines my rights under the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ). 

Third, I made multiple attempts to establish a repayment plan or settle the account, but XXXX XXXX refused to offer any alternatives or hardship options. Their unwillingness to engage in good faith resolution contradicts the principles of fair treatment outlined by the CFPB. 

Finally, the charge-off is now inaccurately reported on my credit file, including incorrect dates and balances. I request a full investigation into XXXX XXXX handling of this account, correction of any inaccurate credit reporting, and reversal of the charge-off if found to be improperly executed. 

Attached are certified receipts of all attempts to resolve this with no prevail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi closed Home Depot accounts for no reason and without warning. Accounts did not owe any money but fraud was committed on the Home Depot card and the transactions and money was never refunded to me. account ending with XXXX was ih good standing always.

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 2025-11-18 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: SC

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 XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-18 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 previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurately reported items on my credit report, including late-closed accounts, charge-offs, collection accounts, and inquiries that appear to contain errors, incomplete information, or unverifiable data. Despite my initial submission, these items including accounts with XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and others, as well as multiple inquiries listed from XX/XX/XXXX through XX/XX/XXXX remain on my credit report without correction or verification. I have not received any response, explanation, or documentation from the credit bureau regarding the status of my dispute, which constitutes a failure to properly reinvestigate under FCRA 611 and a violation of my right to accurate and complete reporting under FCRA 607 ( b ). The continued presence of these potentially inaccurate and unverifiable items is directly affecting my creditworthiness and financial stability.

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 2025-11-18 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several inaccurately reported items on my credit report, including late-closed accounts, charge-offs, collection accounts, and inquiries that appear to contain errors, incomplete information, or unverifiable data. Despite my initial submission, these items including accounts with XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and others, as well as multiple inquiries listed from XX/XX/XXXX through XX/XX/XXXX remain on my credit report without correction or verification. I have not received any response, explanation, or documentation from the credit bureau regarding the status of my dispute, which constitutes a failure to properly reinvestigate under FCRA 611 and a violation of my right to accurate and complete reporting under FCRA 607 ( b ). The continued presence of these potentially inaccurate and unverifiable items is directly affecting my creditworthiness and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
I am sending this complaint against Experian, Equifax, and TransUnion regarding the inaccurate reporting of late payments on my consumer credit reports. The following accounts are being misreported : XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7800.00} XXXX XXXX XXXX : {$0.00} Both accounts show late payments that are factually incorrect, unverifiable, or reported beyond what is legally permissible. The negative payment history reflected on my reports does not align with the actual payment history or contractual obligations. I have repeatedly disputed these errors, yet the credit bureaus and furnishers continue to report inaccurate information, harming my credit profile and violating multiple federal consumer protection laws. Violations of Federal Law Fair Credit Billing Act 15 U.S.C. 1666b : This statute governs the timing of credit card payments and how they are credited. Creditors and furnishers must accurately report payment dates. Any misreporting of payment history including showing late payments where none occurred violates this provision. Gramm-Leach-Bliley Act 15 U.S.C. 6802 : This law restricts the sharing of nonpublic personal information. Reporting false or inaccurate payment data to third-party credit bureaus constitutes unauthorized disclosure of misleading consumer data. Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) : The FCRA requires consumer reporting agencies to include only accurate and verifiable information in credit reports. Persisting in publishing false late-payment data after a consumer dispute violates this standard. FCRA 15 U.S.C. 1681s-2 : Furnishers of information have a legal duty to report information accurately and to correct errors when notified. The furnishers in this case failed to conduct a reasonable investigation or correct the misreported late-payment history after multiple disputes. FCRA 15 U.S.C. 1681i and 1681e ( b ) : Credit reporting agencies must reinvestigate disputed information and follow reasonable procedures to assure maximum possible accuracy. Their continued reporting of inaccurate payment history demonstrates a failure to comply with these obligations. Legal Precedent In XXXX XXXX Trans Union XXXXXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held that credit reporting agencies can not merely rely on a furnishers response when a consumer disputes information. They must conduct an independent investigation to verify the data. The continued reporting of these erroneous late-payment entries without independent verification mirrors the wrongful practices identified in XXXX and constitutes a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding two accounts reported on my credit file XXXX XXXX XXXX  and XXXX which I believe contain inaccurate and misleading information. The XXXX XXXX XXXX  account reports a balance of {$550.00} and indicates it was 120 days past due, while the XXXX account reports a balance of {$650.00} and indicates it was 60 days past due. Both accounts have reported dates of last activity and delinquencies that do not align with the verified documentation and account history I maintain. Despite my prior dispute, these accounts continue to appear on my credit report with the same inaccurate information, suggesting that the credit bureau has failed to conduct a full reinvestigation as required under FCRA 602, 611, and 623. This ongoing misreporting negatively impacts my creditworthiness and violates the statutory requirements to maintain accurate and complete information.

Company response to consumer: Closed with explanation