vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I was charged {$34.00} by XXXX XXXX. Prior to this charge, I attempted to cancel my subscription. However, the XXXX app does not allow cancellation directly within the app. The only option is to call by phone, which creates a he said/she said situation without written proof. 

I called XXXX to cancel, but the charge was still processed. I disputed the charge with my bank, but the dispute was denied. The banks denial stated : XXXX XXXX review of internal systems and information provided by the merchant shows the transaction is valid. Well remove the temporary credits totaling {$34.00} from your account on XX/XX/year> Youll see this reflected in your account transaction history and on your monthly statement. 



I believe XXXX cancellation method is unfair and intentionally difficult. I should not be charged for a service I did not agree to continue. I am requesting a refund of {$34.00} and for XXXX to provide a fair and accessible cancellation process that does not rely solely on phone calls. 

I have attached the banks denial letter and any supporting documentation ( screenshots, call logs, or app evidence ) to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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 a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: AZ

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writinEg or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: DC

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding the inaccurate and misleading reporting of my auto loan account on my credit reports. 
XXXX. Contradictory Status ( XXXX vs. XXXX ) : The account is reported as XXXX with a balance, while also showing a repossession as of XX/XX/XXXX. An account can not be both repossessed and open. This is contradictory and misleading. 
XXXX. Impossible XXXX XXXX XXXX : The account is showing a past due balance of {$35000.00} as of XX/XX/XXXX, even though the original loan balance was only {$20000.00}. This is factually impossible and violates the accuracy requirement of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). 
XXXX. XXXX XXXX of XXXX : The payment history shows the account as 180 days late continuously from XX/XX/XXXX through XX/XX/XXXX. This type of re-aging artificially extends the negative reporting beyond the XXXX limit allowed under the FCRA ( 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : NAVY FCU - XXXX * * * * Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable ) Please provide this information in writing at your earliest convenience. If any of the requested details can not be verified, kindly indicate that in your response. 
Thank you for your prompt attention to this matter. I look forward to your response within the time frame required by law.

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 2025-09-22 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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 am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to formally file a complaint against Discover Credit Card Company regarding their refusal to investigate and resolve fraudulent charges made on my credit card account. 
In XX/XX/year>, I submitted an investigative complaint to Discover, alerting them to multiple unauthorized charges that appeared on my account. These charges were made to utility companies, whichby their naturerequire a billing address to process payments. Discover has the technical capacity to trace these addresses and identify the individual or entity responsible for the fraudulent activity. 
Despite this, Discover has refused to accept my complaint and has declined to pursue any further investigation. I believe this is a failure of their duty to protect consumers and to conduct a reasonable inquiry into fraudulent activity. Their refusal has left me financially vulnerable and without resolution. 
I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in compelling Discover to properly investigate the charges and take appropriate action to protect my rights under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: OR

Complaint narrative:
XX/XX/year>. New American Funding will not accept any payment from our checking account manually or on an auto pay basis. 

They are saying that they will only accept a payment by XXXX XXXX to pay our mortgage. 

We are not willing to do this and are filing this complaint against them as a XXXX XXXX should they try to assess fees due to this issue of not accepting our payment. 

New American Funding claims that from the past 6 months, there were issues with our auto pay being rejected several times, which is why they claim they don't want to accept any more payments from our checking account, however this is 100 % New American Funding 's fault and we will not be held responsible for this. 

The first time this happened was on or around XXXX XXXX 2025. New American funding tried to double debit our account for twice the mortgage during a several day time period. For this reason, I blocked the second, extra charge and even called them to explain the situation. They responded with acknowledgement that it was their fault and they would fix it. 

The XXXX time this happened, we made it so the mortgage would be taken out of my wife 's account in XXXX, so we changed the account to be debited in XXXX. My wife also called to verify that auto pay was set up correctly and is all good to go moving forward. New American Funding said, " yes '', that it was all set to go, but needed to make a manual payment from her checking to start the initial payment and that the auto pay would automatically take over for the next month, which is the month of XXXX, 2025. 


Unfortunately, This did not end up happening! They removed auto pay from the system on their website and called us to request payment. We did get an email notification saying that the mortgage was, in fact taken out on the XXXX of XXXX, which is the date we have always used for the mortgage, but apparently that notification was wrong because we got a call from New American Funding asking us to pay our mortgage, all the while, we had no clue it was not paid. 

This behavior from New American Funding is absolutely ridiculous. New American Funding needs to take responsibility for their mistakes. We are not going to be sending our mortgage in every month through a XXXX party service like XXXX XXXX. There is absolutely no reason whatsoever as to why we can't use our checking account to pay our mortgage.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
I disputed inaccurate late payments on my credit report with Experian. Specifically, a XXXX late reported for XX/XX/XXXX by XXXX Loan XXXX and XXXX lates reported for XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX Experian responded that the companies certified the information as accurate, but they did not provide any documentation or the method of verification as required by FCRA 611 ( a ) ( 7 ). 

I specifically requested the procedure used to verify, including who at the furnisher was contacted and what records were relied upon. Experian failed to provide this information. Without proper verification, the late payments should not continue to appear on my credit report. 

I am requesting that the CFPB require Experian ( and the furnishers involved ) to either provide full verification records or remove these late payment entries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: John C. Heath, Attorney at Law, PLLC
State: MA

Complaint narrative:
Hi! So I noticed a lawsuit that was against Lexington law firm. I was one of the affected consumers thru this firm and I wasnt even aware they were a fraud .. any possibility you guys know if I am owed any compensation regarding this lawsuit.? Thank you n god bless!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file. The items that I need deleted are going to be attached in a word document. I am a victim of identity theft I have multiple accounts and inquiries that I did not apply for listed on my credit report. I asked that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the federal trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible please block this information for my credit report, pursuant to section 605B of 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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I have requested documents for this account! I do not recall this account this account needs to be removed

Company response to consumer: Closed with explanation