vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue with the personal information listed on my credit report. According to the information provided in my credit file, there seems to be an error in the information associated with my account. 
The information listed is incorrect and does not reflect my accurate personal information. I am writing to update it and to ensure that all future correspondence and communication regarding my credit report are sent to the correct address with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX SSN : XXXX DOB : XXXX personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NJ

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 2025-05-13 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I overspent in thousands on interest rates due to unfair reportings on my credit report and subpar investigations.

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 2025-05-13 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

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 non-monetary relief
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
XXXXXXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX inquired on 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
In XX/XX/scrub> 2024 I was forgiven for my XXXX XXXX  due to being permanently XXXX. However I still have a high balance of almost XXXX reporting in my credit by Mohella.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AZ

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no association with it, and Ive never authorized it in any way. It does not belong on my report, and I have serious concerns about how it ended up there in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
We ( both the buyers and we, the sellers ) began the assumable loan process with Navy Federal Credit Union ( NFCU ) on XX/XX/year>. Since then, the buyer has faced two denials. These denials appear unjustified, as NFCU continues to cite debt-to-income ( DTI ) issues, despite the buyer actively appealing this matter throughout the process. 

One major issue is that NFCU added HOA fees to the buyer 's application, inflating his DTI. However, my property does not have any HOA fees. Furthermore, the buyer has submitted all requested documentation, demonstrating that he has paid off his debts. 

Today ( XX/XX/year> ), my realtor and the buyer contacted NFCU. According to my realtor, the representative they spoke with was unable to provide any helpful information. The underwriting department has also failed to contact the buyer regarding the outcome of his appeal, which is causing additional delays in closing on our home. 

The buyer and my realtor have both noted that NFCU has transferred the case between at least five different loan officers. This inconsistency is concerning and suggests disorganization. Despite repeated assurances, NFCU has not followed through on promised updates or direct communication with either the buyer or me. 

Originally, NFCU provided a closing date of XX/XX/year>, yet they denied the buyer even before that date. In good faith, we ( the sellers ) extended the buyers contract for another 30 days during the appeal process. NFCU then gave us a new closing date of XX/XX/year>. However, they have again denied the buyers appeal without valid explanationwell ahead of the revised closing date. 

NFCU has shown a pattern of negligence, including poor communication, inconsistent handling of the case, and failure to honor their own stated timelines. We are being forced to endure repeated delays, despite NFCU claiming they have all necessary documents. 

I am formally requesting that this matter be investigated and escalated. The handling of this case has been unacceptable and is delaying the sale of my home due to what appears to be unjustified resistance from NFCU. I attempted to resolve this by speaking with a supervisor on XX/XX/year>, but unfortunately, that conversation did not lead to any meaningful resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
The IRS deposited my federal refund for {$1900.00} on XX/XX/year> and it was never credited to my account. I hadn't realized until I inquired about it from the IRS XXXX XXXX month later thinking my refund should have landed by now. I spoke to a Chime representative ( who is just a hired call service employee ) not a chime banker. I was told that according to my transaction statement I received it on the XXXX. I argued that was my paycheck, and, only my paycheck funds were on my account. Further, I have a record of all my direct deposit history and not one time is the federal treasury listed at any date as is all other direct deposits. The direct deposit history is an official record kept by chime Bank available for the customers. I have never received my federal refund money to my available balance even though it is listed in my transaction statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-13 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: DC

Complaint narrative:
I was apart of the Equifax breach and I have been having a hard time with trying to get a car and a house or a loan due to denied credit and half of this credit I reported as FRAUD and 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 2025-05-13 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: DC

Complaint narrative:
I was apart of the Equifax breach and I have been having a hard time with trying to get a car and a house or a loan due to denied credit and half of this credit I reported as FRAUD and 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 non-monetary relief
Consumer complaint received 2025-05-13 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:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law.

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities.

- Emotional distress and unnecessary time and effort to correct this issue.

- Denials or unfavorable terms for financial products due to incorrect reporting. 

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I currently have 9 federal student loans serviced by ED Financial. 

Each account now shows a 90-day delinquency ( code 3 ) in XX/XX/XXXX, even though I was in an approved forbearance from XX/XX/XXXX to XX/XX/XXXX. That means I was not required to make payments, and the reporting is false. 

I submitted multiple disputes with XXXX, including my forbearance approval letter and supporting documents. Despite this, ED Financial verified the late marks as accurate. 

As a result, my credit score dropped from XXXX to XXXX, causing serious harm. This happened through no fault of my own. 

I have since changed repayment plans, resumed payments, and am current. Ive made my first payment and will continue paying monthly. 

Im requesting that the XX/XX/XXXXXXXX  90-day late mark be removed from all 9 of my ED Financial accounts. This is inaccurate reporting during a documented forbearance period, and its having a devastating impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
XXXX XXXX appeared on my credit report although I've never opened, nor cosigned a loan with them. After several calls and emails with the company, they confirmed that I do not have an account and removed it from my credit report. It appears, that account is delinquent and has been rereferred to a collection agency, that added it back to my credit report. I called XXXX, but was given no way to resolved the issue. I filed a dispute on my credit report and the company reported the information as accurate. The loan is a Parent Plus loan taken out by the mother of my daughter. We were never married, nor cohabitated. I never never signed or cosigned for a loan on her behalf. This should not be 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 2025-05-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
On XXXX, I received an email threatening legal action as a " final attempt '' to collect an alleged debt. The message claimed I had 24 hours to respond or face " the initiation of legal proceedings, '' including : Court filing for debt recovery Additional penalties and legal fees Allegations of violations of federal banking regulations ( XXXX, XXXX  ), Collateral linked to fraudulent activity Theft through deception under " ACC Law 21A '' Electronic fund transfer violations In response, I requested proper validation of the debt and clearly stated : " Until Ive reviewed that information and received proper validation of the debt, I will not be entering into any payment arrangement. Once I have everything in writing, Ill be happy to review and determine next steps. '' I received another email the same day repeating the same claims and demands for immediate payment ( within 24hours ). I replied again with a clear and specific request for : A complete account history, including the original creditor, the date of the last payment, and when the debt was incurred.

Documentation of all prior communication attempts. 
A copy of any agreement bearing my signature. 

Today, I received yet another threatening message claiming : " An arrest warrant may be issued, authorizing law enforcement to detain you without further notice. If arrested, you will be required to settle the full debt at the police station. Failure to pay will result in imprisonment at a rate of one day for every {$390.00} owed ... '' To date, I have not received any of the requested documentation. No proof of debt has been provided. The language used is aggressive, misleading, and appears to be designed to intimidate and coerce me into payment. I feel harassed, bullied, and potentially scammed.

I am requesting that this matter be investigated, and that appropriate action be taken against the company or individual responsible for these communications. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Wilber and Associates, P.C.
State: MT

Complaint narrative:
Repeat phone calls in which I have asked to not be contacted again, each time, I ask to be put on a do not call list, at which time, the phone operator tells me " sir, I need your name, this is not how it works '' the last two calls I've stated that CFPB and FTC would say otherwise and that if it continues, I'll file a complaint. The woman last time stated that " it's your credit '' and then says, " Do what you need to do sir '' at which point I've decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
information on the report. Is inaccurate and causing me and my family to not obtain housing

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 2025-05-14 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:
information on the report. Is inaccurate and causing me and my family to not obtain housing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One continues to report a fraudulent account despite receiving a police report and an FTC Identity Theft Report. This is a direct violation of FCRA 605B, which mandates that such accounts be blocked from reports within 4 business days

Company response to consumer: Closed with explanation