vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I was under severe emotional duress due to a cyber attack that led me to believe I would need to relocate. As someone with an XXXX XXXX XXXX XXXX protected under the Americans with Disabilities Act ( ADA ), my decision-making capacity was compromised. This XXXX is recognized under Title II and Title III of the ADA, which prohibit discrimination and require reasonable accommodations in public services and commercial entities. 

Under these distressing circumstances, I briefly canceled my Flex membership, believing it was necessary for my safety. Upon restarting the membership, I was assigned a lower credit limitreduced from {$700.00} to $ XXXXwithout clear disclosure that this would trigger a credit inquiry and negatively affect my credit score. 

I was not in a rational state of mind, and I did not consent to a credit pull without a full understanding of its consequences. This raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, which mandates that credit reporting agencies and furnishers : - Ensure accuracy, fairness, and privacy in consumer reporting - Obtain proper authorization before accessing or using consumer reports- Conduct reasonable investigations into disputes and correct errors promptly XXXX law strengthens these protections through the XXXX XXXX and XXXX XXXX, XXXX XXXX, which : - Requires credit bureaus to * * correct valid disputes within XXXX business days after investigation - Mandates timely notification of adverse actions and unauthorized access - Allows consumers to place security freezes and alerts to protect their identity Despite my consistent on-time payments, the reduction in credit limit and resulting credit impact have caused emotional harm and financial disadvantage. I feel that I was deceived and wronged, and that my ADA-protected status was not considered in how this account was handled or reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 
I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 
I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to formally dispute inaccurate information being reported by your company on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), which grants consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full investigation to include a free copy of my 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 non-monetary relief
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX and I am writing this letter on my own behalf. I am writing to formally dispute inaccurate information being reported by your company on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), which grants consumers the right to dispute and request the removal of inaccurate or unverifiable information. This account is inaccurate : XXXX XXXX XXXX. I am requesting a full investigation to include a free copy of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: WV

Complaint narrative:
On XX/XX/year>, an unauthorized charge of {$17.00} was made to my Current Bank account by a company called XXXX. I have never done business with this company and did not authorize this transaction. 

I reported the fraud to Current immediately. Since then, Ive provided detailed information, screenshots, and proof that this charge was not mine. However, rather than processing the dispute, Current has stalled and repeatedly asked me to confirm basic facts I already provided. They even forwarded me a chatbot response from XXXX and acted as though that counted as an investigation. 

At this point, both companies are asking me for irrelevant or repetitive information and refusing to take accountability. Ive had multiple incidents of fraud while banking with Current, despite replacing my debit cards several times. This has only happened with Current not with any of my other banks. 

Im requesting that Current : Process the dispute and issue a provisional credit, Investigate why so many unauthorized charges occur despite card replacements, And provide clear documentation of the charge resolution. 

This is financially and emotionally exhausting. I am tired of being passed back and forth while nothing is doneXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TN

Complaint narrative:
I contacted a mortgage company to purchase a home and was told that I have several negative items reporting on my credit reports.

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 2025-08-02 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: TN

Complaint narrative:
I contacted a mortgage company to purchase a home and was told that I have several negative items reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Turnbull Law Group
State: NJ

Complaint narrative:
I hired XXXX XXXX XXXX  who after a phone consultation turned by request for debt settlement services to Turnbull Law Group in XXXX of XXXX. After reviewing my income and debts, it was determined that I make a downpayment of {$520.00} to start services with Turnbull to assist me settle my debts. After the first payment, it was decided that my monthly payments would be $ XXXX  monthly for 53 months. My understanding of the contract was that my debts would be paid to my creditors directly by Turnbull law. My credit score at the time that I hired Turnbull law was XXXX. My accounts weren't delinquent in XXXX ; I hired XXXX XXXX XXXXTurnbull to assist me to adjust my debts because I was feeling overwhelmed. Staff from Turnbull law instructed me to not answer calls from my creditors and that they would handle everything. Turnbull has a portal where clients can check the status of accounts. I noticed that account on the portal stated " strategic hold ''. This created a curiosity for me to request my credit reports on XX/XX/XXXX. To my surprise my credit score now is XXXX which means that Turnbull Law didn't comply with the terms of the debt settlement plan, therefore creating a financial hardship and putting me further in debt. 

Since XXXX of XXXX, Turnbull Law has collected from me through direct deposits from my XXXX checking account {$22000.00}. After researching and calling all my creditors. Only {$6100.00} have been paid to my creditors. XXXX XXXX for {$450.00} XXXX XXXX for {$4400.00} and XXXX XXXX {$1200.00}. XX/XX/XXXX I stopped making payments after releasing that my debts weren't being paid. XX/XX/XXXX I emailed Turnbull Law to terminate their services, I stated that I would handle the debts with my creditors. XX/XX/XXXX Turnbull attorney XXXX XXXX wrote me an email stating to call me him, to answer any legal questions I might have but to not reply to his email, only to communicate by phone. This same week XXXX XXXX XXXX started calling me at all hours of the day to make payments to the debt management account. Sunday XX/XX/XXXX attorney XXXX XXXX continues to email me twice within a few hours to call him. I consider this type of communication harassment as I had already stated to the firm that their services were no longer needed. XX/XX/XXXX, I again emailed Turnbull Law to remove their power of attorney from all of my accounts, I stated again that their services were not needed.

For several weeks I have called my creditors to verify payments and total debts. To my surprise some of my creditors can not speak to me due to the power of attorney from Turnbull Law. Now some of my accounts are in litigation causing further financial and emotional hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
I reviewed my credit report and noticed multiple inaccuracies that are negatively affecting my credit profile. Several hard inquiries were made without my knowledge or authorization, including from companies like XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, and others on XX/XX/XXXX, such as XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX. I never applied for credit with these companies on or around those dates, and I did not consent to these inquiries. Additionally, there is an inquiry from XXXX dated XX/XX/XXXX, that is incorrectly showing as a negative item on my report, which is a misrepresentation and misleading. Beyond that, my credit file contains several incorrect variations of my name and inconsistent addresses, which I did not authorize or use. These errors create confusion and raise concerns about the accuracy of my file. Despite prior dispute attempts, these issues remain unresolved and continue to damage my credit reputation. I am now requesting that all unverifiable or inaccurate information be corrected or permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I have no knowledge of these accounts, they are not mine. They have been disputed but not deleted.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
To Whom It May Concern : I am disputing the following inaccurate information on my credit report in violation of 15 USC 1681 and 1666B : Creditor Name : XXXX XXXX XXXX Disputed Items : Late Payments Legal Basis for Dispute : 1. 15 USC 1681 ( FCRA ) Section 602 - Violation of my right to privacy 2. 15 USC 1681 Section 604 ( a ) ( 2 ) - Illegal furnishing of account information without my written consent 3. 15 USC 1666B - Prohibits treating payments as late when received by due date Required Actions : 1. Immediately remove all disputed late payments 2. Provide written verification of correction 3. Delete the account if XXXX XXXX can not validate within 30 days Under 15 USC 1681i, you must investigate within 30 days. Failure to correct inaccuracies may result in legal action under 15 USC 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
To Whom It May Concern : I am disputing the following inaccurate information on my credit report in violation of 15 USC 1681 and 1666B : Creditor Name : XXXX XXXX XXXX Disputed Items : Late Payments Legal Basis for Dispute : 1. 15 USC 1681 ( FCRA ) Section 602 - Violation of my right to privacy 2. 15 USC 1681 Section 604 ( a ) ( 2 ) - Illegal furnishing of account information without my written consent 3. 15 USC 1666B - Prohibits treating payments as late when received by due date Required Actions : 1. Immediately remove all disputed late payments 2. Provide written verification of correction 3. Delete the account if XXXX XXXX can not validate within 30 days Under 15 USC 1681i, you must investigate within 30 days. Failure to correct inaccuracies may result in legal action under 15 USC 1681n.

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 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
Seen on my credit report that its been updated recently this month which i dont even know how since they dont even have my phone # listed and not sure if they even have my correct name Show me where i signed to them this debt when clearly there has been no communication with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: 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 ask 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 from 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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Every month my auto loan is due to Navy Federal credit union on the XXXX of the month. Every month, I call them and tell them I am a XXXX veteran. I do not get my check until the first of the month when I get paid I will pay my loan. These people do not wan na work with you. They wan na continue to charge you a {$29.00} late fee every single month. They continue to take this money making my payment late every month instead of working with me like every other company does that I deal with. Theyre very disrespectful on the phone and dont wan na help you. They tell me that the system date is there and they cant change the date so youre telling me every other company in this world can change their dates but Navy Federal credit Union cant XXXX dont believe that for a minute. Something needs to be done by these people because theyre stealing money from me every month {$29.00} a month for late fees because they cant seem to change the due date to the first and make it easy. Something needs to be done about this highway robbery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
Issue Type : Incorrect information on credit report ( ALL XXXX BUREAUS ) Companies : Equifax Experian TransUnion XXXX XXXX ( and other furnishers involved ) -- - Statement of Harm : I am filing this complaint due to unlawful actions taken by the above-named credit bureaus and furnishers in violation of federal law. I exercised my right to dispute multiple inaccurate and unverifiable accounts under federal consumer protection laws. Rather than comply with those laws, the bureaus and furnishers acted in bad faith by : Reinserting derogatory information during an open dispute Failing to send proper notice of reinsertion within XXXX business days Failing to verify or provide documentation ( such as the original signed contract or verified affidavit of debt ) Reporting information without permissible purpose Refusing to honor consumer protection codes in 15 U.S.C. 1681 Violating criminal code under 18 U.S.C. 1611 by knowingly reporting false and unverifiable debt data Which resulted in my credit score reporting even lower then before dispute which is retaliation with out cause. 

-- - Applicable Law Violations : 15 U.S.C. 1681i Failure to reinvestigate and provide consumer results 15 U.S.C. 1681b Reporting without a valid permissible purpose 15 U.S.C. 1681s-2 ( b ) Failure to conduct proper investigation by furnishers 15 U.S.C. 1681e ( b ) Reporting inaccurate, incomplete, or unverifiable information 18 U.S.C. 1611 Willful furnishing of false information and fraudulent misrepresentation -- - Pattern of Misconduct : Derogatory accounts were initially removed or updated, then reinserted with no notice, and no evidence.

Remarks and data were altered after the dispute began to make it appear as if no error occurred.

Bureaus left consumer statements up but allowed furnishers to override them without validation. 

This is not limited to XXXX XXXX, nor to XXXX is across all three credit bureaus, and applies to every account disputed. 



-- - Requested Relief : Immediate deletion of all reinserted accounts and derogatory remarks Proof of validation and permissible purpose for each disputed account Certified copies of contracts, agreements, or legal claims by furnishers Enforcement of statutory damages per 15 U.S.C. 1681n and 1681o CFPB oversight and enforcement due to pattern of criminal consumer rights violations ---

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year>, XXXX separate unauthorized ATM withdrawals of {$500.00} each were made from my Navy Federal debit card. I did not authorize these transactions, and I have no idea how someone gained access to my PIN or card. I did not give anyone permission to use my card. 

I contacted Navy Federal immediately to report the fraud, but I was told there was no case filed and that I had to wait to be contacted by an XXXX. I was not given a case number, no written confirmation, and no provisional creditdespite asking multiple times. 

When I was finally transferred to the XXXX department, I was told again that no dispute had been logged at all, even though I had already reported the issue. This delay in filing my fraud dispute violates the XXXX XXXX Transfer Act ( XXXX ), which requires a timely investigation and provisional credit within XXXX business days. 

I am in a financial crisis and urgently need this resolved. Navy Federal has failed to properly handle my report, document my dispute, or protect my rights as a consumer. I am requesting your help to get this case taken seriously and resolved quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation