vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
My name XXXX XXXX and this complaint is for my mom as well XXXX XXXX we both need our portal account login to be deactivated and deleted and deleted out the system so we cant login no more and fully unenroll out the system and unsubscribe from getting emails our email is XXXX and email is XXXX and usernames is XXXX for me and her username is XXXX and our ssn is XXXX for me and birthday is XXXX and her is XXXX XXXX and birthday is XXXX and send me the left over amounts we have in our checking and saving check by a check by mail to XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I am experiencing significant issues with inaccurate and unverified credit reporting across multiple credit bureaus. The primary issues involve duplicate derogatory entries, unverifiable debts, and outdated charge-offs, which have not been corrected despite previous disputes. These inaccuracies violate the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2.

The erroneous credit data has severely impacted my ability to secure loans at favorable rates, potentially affecting employment and housing opportunities. The failure of the credit bureaus and furnishers to rectify these errors despite being notified has exacerbated my financial and personal distress. 

XXXX Account # : XXXX [ TransUnion, Equifax, Experian ] Issue : Duplicate derogatories and unverifiable debt.

Violation ( s ) : FCRA 1681e ( b ), 1681i.

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 2025-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
{ XXXX XXXX XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports.

I, { Customers First & Last Name }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information.

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly.

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file.

Thank you for your immediate attention to this matter. 

Sincerely, { 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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Investigation & Removal of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to dispute and request the deletion of the inaccurate, incomplete, and unverified information appearing on my consumer credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) Sections 602, 603, 607, and 611.

The following account ( s ) contain errors and must be investigated and removed immediately done to inaccuracy. 

CREDENCE RESOURCE MANAGEMENT Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA, you are required to report only 100 % accurate, verifiable, and complete information.

The above account ( s ) contain one or more of the following violations : Unverified information ( FCRA 611 ) Incomplete or inaccurate reporting ( FCRA 607 ( b ) ) Balance, dates, or status inconsistent with original creditor reporting Failure to validate ownership or furnish proper documentation Mixed or incorrect personal information connected to the accounts Because of these violations, these accounts must be deleted from my credit file unless original documentation from the data furnisher, not a database printout.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- Balance : {$470.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX -- Balance : {$430.00} - Date Opened : XX/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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Several hard inquiries were placed on my credit reports without my authorization or permissible purpose. I disputed these inquiries with the credit bureaus through certified mail, but the bureaus failed to investigate, verify, delete, or respond within the 30-day period required by FCRA 611. I am requesting CFPB intervention to force the bureaus and furnishers to provide proof of permissible purpose or remove the inquiries immediately.

I am filing a complaint because several unauthorized hard inquiries were placed on my credit reports by companies I never applied for credit with and never gave permission to access my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 604 ( f ), a company may NOT obtain a consumer report without a permissible purpose or my explicit authorization. These inquiries do not meet that legal standard. 

To resolve this issue, I sent certified dispute letters to the credit bureaus on [ XX/XX/year> ], disputing the following unauthorized hard inquiries and requesting verification or removal. The letters were delivered and signed for, according to my USPS tracking confirmations.

The bureaus violated FCRA because they : Did not respond within the required 30-day period Did not investigate the disputed inquiries Did not provide verification Did not delete unverifiable inquiries Did not provide a procedural description required by 611 ( a ) ( 6 ) ( B ) ( iii ) Did not note my disputes on my credit file Continued reporting inquiries without permissible purpose This is a direct violation of : FCRA 611 Dispute investigation requirements FCRA 607 ( b ) Maximum accuracy requirement FCRA 604 ( f ) Prohibition on obtaining a report without permissible purpose Regulation V Furnisher accuracy obligations The unauthorized inquiries I disputed and received NO reply on include : ( You can remove any that were authorized ) Xactus XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other hard inquiries you did not personally authorize! 

These companies pulled my report without my consent, without any initiated application, and without a permissible purpose. 

Because the bureaus failed to respond or verify these inquiries, they are legally required to delete them under FCRA 611 ( a ) ( 5 ).

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 2025-11-29 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: VA

Complaint narrative:
Several hard inquiries were placed on my credit reports without my authorization or permissible purpose. I disputed these inquiries with the credit bureaus through certified mail, but the bureaus failed to investigate, verify, delete, or respond within the 30-day period required by FCRA 611. I am requesting CFPB intervention to force the bureaus and furnishers to provide proof of permissible purpose or remove the inquiries immediately.

I am filing a complaint because several unauthorized hard inquiries were placed on my credit reports by companies I never applied for credit with and never gave permission to access my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ) and 604 ( f ), a company may NOT obtain a consumer report without a permissible purpose or my explicit authorization. These inquiries do not meet that legal standard. 

To resolve this issue, I sent certified dispute letters to the credit bureaus on [ XX/XX/year> ], disputing the following unauthorized hard inquiries and requesting verification or removal. The letters were delivered and signed for, according to my USPS tracking confirmations.

The bureaus violated FCRA because they : Did not respond within the required 30-day period Did not investigate the disputed inquiries Did not provide verification Did not delete unverifiable inquiries Did not provide a procedural description required by 611 ( a ) ( 6 ) ( B ) ( iii ) Did not note my disputes on my credit file Continued reporting inquiries without permissible purpose This is a direct violation of : FCRA 611 Dispute investigation requirements FCRA 607 ( b ) Maximum accuracy requirement FCRA 604 ( f ) Prohibition on obtaining a report without permissible purpose Regulation V Furnisher accuracy obligations The unauthorized inquiries I disputed and received NO reply on include : ( You can remove any that were authorized ) Xactus XXXX ( multiple dates ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Any other hard inquiries you did not personally authorize! 

These companies pulled my report without my consent, without any initiated application, and without a permissible purpose. 

Because the bureaus failed to respond or verify these inquiries, they are legally required to delete them under FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
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 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I XXXX XXXX XXXX want to request at this time under extraordinary circumstances the deletion of all past due payments on my account posted by your financial institution. My request is professional based upon the following criteria : I am an XXXX in XXXX XXXX XXXX XXXX XXXX and have been XXXX for over XXXX XXXX XXXX  has been rigorous for an exceedingly long time, and I had truly little room to attend my personal affairs. Having been recently married, my wife now manages all payments to my accounts. 
My service to my country deserves some consideration. 
Thank you for your attention to this matter. 
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 non-monetary relief
Consumer complaint received 2025-11-29 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: TomoCredit Inc.
State: TX

Complaint narrative:
This complaint is about TomoCredit ( Tomo Card ) and its issuing bank, XXXX XXXX XXXX XXXX. I was approved for the Tomo Card while living in New York and used it mostly while living in North Carolina. I always paid on time and chose this product because Tomo repeatedly said in its marketing and in emails that the card would be reported to all three major credit bureaus and help build my credit. When Tomo later paused or closed the cards for system updates, multiple representatives told me in writing that although the card was closed for the foreseeable future, my credit reporting would continue as usual and that I would still be able to build credit without using the card. Despite those promises, my Tomo tradeline has never appeared ( or disappeared ) from my XXXX XXXX  and XXXX  reports. 

In XX/XX/year> I contacted Tomo because they were treating me as late after I had changed bank accounts and warned them in advance. I never had a returned payment and I always paid on time, but they still blamed me and I do not believe they corrected any inaccurate information or did a meaningful investigation. Since then I have repeatedly asked Tomo to explain why my tradeline is missing and to provide basic records, including my official account closure date and when and how they furnished information about my account to each bureau. Instead of answering these questions, they have sent generic responses and have not provided the information I requested. In a prior CFPB complaint, Tomo even told the Bureau that I requested to cancel my account, which I never did. My emails show the opposite : I was asking when my card would be reactivated and why it was not reporting. 

I am filing this complaint because the companys investigation did not fix the core problem and did not provide real answers. Tomo and its bank told me my credit reporting would continue as usual, but there is still no tradeline on my reports and they have not given me a clear explanation, investigation results, or the documents I requested. This has harmed my credit history, cost me positive payment history, and caused financial stress and lost opportunities.

Theres also times I even emailed Tomo with past messages and they acted oblivious. More screenshots and emails upon request. But it's mostly everything. All it is Tomo acting oblivious or not caring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint because a XXXX XXXX  charge-off account is being reported inaccurately by the credit bureaus ( Experian and TransUnion ) . The account continues to show new updates, date changes, and ongoing activity even though it has been charged off for a long time. A c

harged-off account can not legally continue updating as if it is still active. These ongoing updates violate the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( c ) ( 2 ), because the information being furnished is incomplete, inaccurate, and misleading. A charged-off account must be reported with a fixed status and should not be updated unless a consumer-initiated payment is made, which did not occur. 

I submitted formal disputes to Experian and TransUnion requesting full verification of all balances, dates, and updates. I also asked for original documentation proving the accuracy of these updates. Neither bureau nor XXXX XXXX  provided proper documentation. Instead, the account continues to update incorrectly, harming my credit profile. 

This inaccurate reporting directly affected my ability to obtain FHA mortgage approval because it falsely shows ongoing delinquency or activity that is not

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 602, 607 ( b ), 611, and 623, and the Consumer Data Industry Association ( CDIA ) Metro 2 Reporting Standards.

After reviewing my XXXX  credit file dated XX/XX/year> I identified multiple accounts reporting inaccurate, incomplete, inconsistent, and/or unverifiable information that violates the mandatory Metro 2 compliance structure.

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Trident Asset Management, L.L.C.
State: IN

Complaint narrative:
I just a mark on XXXX XXXX for {$350.00} from trident asset management but I dont owe anything to them. Then I looked further an its for XXXX XXXX XXXX but I never signed up for or took any money from them. I think it is fake and could use some help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-29 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: TX

Complaint narrative:
XXXX HAS VERIFIED AND DELETED THESE FRAUD ACCOUNTS * * This serves as formal demand for removal of multiple fraudulent and inaccurate accounts that Equifax has already completed an investigation on, verified as fraudulent, and deleted from my credit file. 

Experian and TransUnion are now knowingly reporting false, defamatory, and unverified information in violation of : FCRA 602 Accuracy requirements FCRA 611 Reinvestigation requirement FCRA 605B Identity theft blocking within 4 days FCRA 623 Furnisher duty to correct inaccurate information Your continued reporting after XXXX verified findings constitutes willful noncompliance, negligence, and reckless disregard of federal 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
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: KY

Complaint narrative:
In XX/XX/XXXX Kimble, Tirey & St. John, LLP began trying to collect a {$9000.00} debt they claim comes from a XXXX California eviction judgment ( case XXXX ). 
I disputed the debt in writing XXXX times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) all sent certified mail and delivered. 
They have never provided proper validation. They sent only aXX/XX/XXXX-page XXXX default judgment and ignored every specific question I asked ( proof I was served, copy of the XXXXday notice, security-deposit accounting, proof the judgment was renewed, etc. ). 
The original XXXXday eviction notice was illegal because my son had already paid the late rent in full, yet the landlord threatened police and forced him out anyway. We were never served with the lawsuit and only learned of the judgment XX/XX/XXXX years later. 
The collector has continued adding interest and reporting the debt on my credit reports without ever validating it after my timely disputes. 
This violates 15 U.S.C. XXXX ( b ) and the XXXX Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation