vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-10-22 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: NY

Complaint narrative:
Name : XXXX XXXX XXXX of Birth : XX/XX/year> SSN : XXXX Address : XXXX XXXX XXXX XXXX XXXX Ny XXXX I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following account XXXX XXXX  Account ending in XXXX I dont recognize the following account in question. XXXX a victim of identity theft and I dont recognize this account on my report. XXXX requesting the following information be deleted from my XXXX report immediately! Ive attached a copy of the report to this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the improper and wrongful repossession of my vehicle by XXXX XXXX, despite my record of making all monthly payments on time. 

From the inception of my car loan, I have made consistent, on-time monthly payments without fail. I have bank statements, transaction confirmations, and other supporting documents showing that each payment was made in full and on schedule. I was recently told by the company that I was ahead of schedule payments in that my payment will not resume auto pay until XX/XX/year>, they stated that I was ahead in my payments because I pay every XXXX weeks. Despite this, my vehicle was repossessed by the lender on XX/XX/year>, which caused significant emotional distress, loss of transportation, and reputation damage. 

I am requesting that someone at the Federal Trade Commission review this matter. I strongly believe that this repossession was unjust and improperly reported to credit agencies, severely affecting my XXXX XXXX and financial standing. 

As a result of this improper action, I am seeking compensation in the amount of {$15000.00} for the inconvenience, financial harm, and emotional distress this situation has caused 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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$7600.00} Account Name : XXXX CARD # XXXX - Date Opened XX/XX/XXXX - Balance {$6300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
b'I\'ve been victim of repeated identity theft since XXXX  when XXXX XXXX XXXX robbed my home and staged the XXXX  of my children. There\'s a police report to this that was mailed to all 3 credit bureaus-Experian, Transunion, Equifax. I had each of these bureaus put protective measures in place to keep from using my identity but there are phones, loans, and even a XXXX XXXX in my name unbeknownst to me because these 3 bureaus keep removing my identity theft protective measures and keep putting fraudulent collections on my reports that don\'t belong to me. There are also long-standing accounts that have been removed without my consent from my credit reports making it seem as if my longest account relationship is only XXXX XXXX  years, when my actual oldest account is over XXXX XXXXears old and counting! Experian is the main one that keeps putting fraudlent collection accounts on my report and refusing to remove them!\nI demanding all of my reports corrected immediately and permanently! \nThese 3 bureaus failed to contact ME before approving credit in my name and keep removing the notice on my reports that say that I\'ve been victim of identity theft and to contact me before approving anything in my name. \nI have no accounts in collections.\nI have emails addressed to XXXX XXXX XXXX, whom I have no contact with!'

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 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
Account XX/XX/XXXX XXXX A # XXXX * * * * I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " XX/XX/XXXX'' with receipt displaying my signature. If not, please delete account # XXXX * * * * as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date of Birth XX/XX/year> To : [ Credit Bureau XXXX ] Subject : Formal Dispute of Inaccurate Charge-Off under FCRA XXXX ( XXXX ) ( b ) Dear [ Credit Bureau XXXX XXXX, I am writing to dispute inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( XXXX ) ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 
The following account is being inaccurately reported as a charge-off : Creditor Name : XXXX XXXX  Account Number XXXX Dispute Reason : [ does not belong to me. ] The reporting of this account as a charge-off is incorrect and misleading. Because this entry is inaccurate and unverifiable, I am requesting that it be immediately deleted or corrected from my credit report. Under FCRA XXXX ( XXXX ) ( b ), you are required to ensure that all information reported is accurate and complete. If you can not verify the accuracy of this account within the legally allowed time frame, please remove it from my file. Please conduct a full reinvestigation and provide me with : XXXX. The results of your investigation in writing ; XXXX. The name and address of any entity that verified the information ; and XXXX. An updated copy of my credit report once the item has been corrected or deleted. Enclosed are copies of my identification and any supporting documentation related to this dispute. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
This complaint builds on CFPB cases # XXXX and # XXXX involving Navy Federal Credit Unions deceptive and unlawful account practices. 
In XX/XX/year>, XXXX XXXX told the CFPB that as of XX/XX/year>, our member does not have any account restrictions and her savings account ending in XXXX is active. 
That statement was false. The same account was closed again on XX/XX/year> without my authorization, notice, or explanation, directly contradicting what they told regulators. 

Since then, every attempt Ive made to open or maintain an account- through the website, app, and by phone- has been blocked by system errors, with representatives saying the system prevents them from proceeding. I have never received a required adverse-action notice under the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 and Reg B 1002.9 ). If internal or third-party consumer data ( such as XXXX  ) is being used, Navy Federal has also failed to provide disclosures required by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681m ).

This conduct appears retaliatory, as these barriers only began after I filed CFPB complaints. I believe Navy Federal maintains undisclosed internal flags or blacklists to penalize former members who challenge their practices. 

Their false statements to the CFPB, unexplained account closures, and ongoing denials without notice are also likely unfair, deceptive, or abusive acts or practices ( UDAAP ) under 12 U.S.C. 55315536.

I strongly suspect that other consumers are being treated similarly. Online complaint forums and public CFPB data show patterns of unexplained closures, denials, and no adverse-action notices from Navy Federal . This behavior suggests a systemic compliance breakdown and potential harm to thousands of members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
Over a month ago, I sent dispute letters to Equifax addressing multiple inaccurate and fraudulent accounts that should not be listed on my credit report. I included my government-issued ID, proof of address, and an Identity Theft Report to verify my identity and support my claims. Despite these efforts and the time allowed under the FCRA, Equifax has not made any corrections, deletions, or updates. My most recent credit report still shows the same disputed accounts, suggesting that no proper investigation was conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
My info was leaked in the XXXX XXXX  and I have disputed everything that isn't mine or is incorrect but nothing has been done

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 2025-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forest Recovery Services LLC
State: NE

Complaint narrative:
It was rental property I paid in full and its on my credit report owing {$370.00} I was never sent anything saying I owed anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
I am submitting this complaint to formally dispute and request the removal of certain accounts from my credit report, as they are inaccurately reported and do not reflect my true financial history. These inaccuracies have caused significant distress and are affecting my ability to access financial opportunities. 
XXXX account, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is listed with a balance of {$960.00}. This debt was legally discharged under a XXXX cancellation of debt, and its continued reporting as an active balance is false. Under FCRA 605 ( a ), obsolete or cancelled debts must not remain on a consumers record, and FCRA 623 ( a ) ( 5 ) obligates furnishers to report information accurately. This account should therefore be fully removed. 
Additionally, accounts such as XXXX XXXXXXXX *, XXXX OF XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX * are reported as charge-offs with {$0.00} balances. While they may appear minor, they are inaccurately reflected and misrepresent the true status of my accounts. Under FCRA 607 ( b ), continued reporting of misleading or outdated information constitutes a violation of the duty to maintain maximum accuracy. These accounts should also be completely removed from my record. 
Furthermore, I have noticed certain collection accounts reported, including those from XXXX XXXX XXXX, XXXX XXXX, and an online service originally from XXXX XXXX. These accounts appear to be unverifiable and inaccurately reported. Under FCRA 609 ( a ) ( 1 ), I have the right to request full verification of any item reported, and if verification can not be properly documented, FCRA 611 ( a ) ( 1 ) requires that the unverified accounts be deleted. The presence of unverifiable or misleading collections is prejudicial to my financial reputationI respectfully request their immediate removal. 
The continued reporting of these accounts is not only inaccurate but also harmful to my financial standing. I am invoking my full rights under the Fair Credit Reporting Act, including FCRA 605 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 5 ), to ensure that only lawful, verifiable, and accurate information remains on 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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the deletion of this unapproved inquiry since I did not authorize it and have no link to the associated lenders.

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 2025-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am experiencing identitytheft/mixedfile issues and crossbureau inaccuracies. Specialty banking/alternative credit files are contributing to credit denials. I submitted disputes and 605B identitytheft blocks under the Fair Credit Reporting Act ( FCRA ) to XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX ( TransUnion ), XXXX XXXX ( XXXX  ), XXXX  XXXX, and XXXX. 

The issues include : ( 1 ) reinserted or unverifiable items without 611 ( a ) ( 5 ) ( B ) certification/5day notice ; ( 2 ) conflicting tradeline data across bureaus ( status, payment dates, terms, high credit, last reported ) ; ( 3 ) incomplete/contradictory latepayment strings ( Metro 2 Code 162 defects ) ; and ( 4 ) hard inquiries lacking a documented permissible purpose/authorization ( 604 ).

I requested ( a ) deletion of unverifiable/inaccurate items ; ( b ) identitytheft blocking under 605B ; ( c ) full Method of Verification ( furnisher/member code, documents reviewed, signature/econsent with IP/device logs ) ; ( d ) correction of my personal information to a single legal name/current address per 607 ( b ) ; and ( e ) confirmation of security freezes and permanent optouts. 

Despite these requests, I have not received adequate verification or corrections. Some items remain inaccurate/unverifiable or appear to have been reinserted without required notice. These errors are materially impacting my ability to qualify for credit and business funding.

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 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Full name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX 1994 XXXX : XXXX Credit bureaus or furnishers involved : XXXX XXXX XXXX XXXX  XXXX Summary The consumer, XXXX XXXX, XXXX XXXX issues with inaccurate and unverified credit reporting across multiple credit bureaus, including XXXX XXXX XXXX XXXX XXXX. 
These inaccuracies include collections, charge-offs, and hard inquiries that are either unverified or reported incorrectly. Despite previous disputes, the credit bureaus have failed to correct these errors, which violate the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) XXXX, and XXXX. These inaccuracies have negatively impacted XXXX 's creditworthiness, leading to potential loan denials, higher interest rates, and overall financial distress. The failure of the credit bureaus to maintain accurate credit files and to properly reinvestigate disputed information has caused significant harm to the consumer. 
Disputed Accounts CREDIT COLL Account : XXXX ( XXXX XXXX XXXX ) Issue : Unverified collection account Violation ( XXXX ) : FCRA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : XXXX of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a claim on XX/XX/XXXX and XX/XX/XXXX. It was closed within XXXX day. I dont know why I tried speaking to people who are in other countries and there was a language issue. I had to call and fight for them to open another claim for me. 

They gave me no explanation as to why the claim was closed. They made an assumption without doing an investigation. How do you investigate within a couple hours? Its not possible. 

I didnt make these transactions theyre false and I want a provisional credit and a proper investigation done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have money in my account and havent been able to long in since there last up date. And I think my accounts been hacked

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I requested the assignment contract, a copy of the contract with my wet signature.

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 2025-10-22 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: TX

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

Company response to consumer: Closed with explanation