vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-30 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/scrub> 2025, Navy Federal froze my account, holding {$12000.00} without proper notice or justification. When I initially contacted them, I was told the delay was due to the other bank, and no mention was made of a lien or freeze. After multiple follow-ups, I learned the Texas Comptrollers Office had placed a holdbut confirmed the matter had already been resolved by another bank, and Navy Federal should not have touched the funds at all.

The Comptroller issued a formal release to Navy Federal on XX/XX/year>2025, and the legal freeze expired on XX/XX/scrub>, 2025. Despite that, my funds remained inaccessible until XXXX. The Comptrollers Office even offered to call Navy Federal directly, stating the funds shouldve been released long before. Navy only released my money after I escalated by phone. I also sent a formal written demand on XX/XX/XXXX requesting written confirmation and compensation, but received no response. 

This caused significant hardship, including the risk of vehicle repossession and a lost business opportunity. I am requesting investigation and appropriate action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: FL

Complaint narrative:
I am submitting this complaint because a consumer reporting agency and/or data furnisher has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 1681n. My credit report reflects several inquiries related to credit or insurance transactions that I neither initiated nor authorized.

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 2025-07-30 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: Kinum, Inc., Indianapolis, IN Branch
State: MI

Complaint narrative:
I filed a written dispute with XXXX  regarding a Kinum Inc collection account for {$970.00}, allegedly from XXXX  XXXX XXXX XXXX, opened XX/XX/2024. 
I am a member of XXXX  XXXX XXXX but do not recall any account or loan that left a {$970.00} balance. I have not received detailed documentation explaining this debt. There is no proof of a signed agreement, statements, or an accounting of how this balance arose. 
Under 15 U.S.C. 1681i ( reinvestigation ) and 1681s-2 ( b ) ( furnisher duties ), information that can not be verified must be removed.

I request that XXXX  and Kinum verify this entry with original account documents, itemized balances, and date of first delinquency. If these records can not be produced, the collection must be deleted. Supporting documents, including my dispute letter and FTC Identity Theft Report # XXXX, are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-07-30 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2025-07-30 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I recently discovered a collection account on my XX/XX/XXXXcredit report from your company, allegedly related to Credit Collection Services with the amount of {$290.00}. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I formally request full validation of this alleged debt. 

Please provide the following : Proof that I am legally obligated to pay the debt The name and address of the original creditor Itemized breakdown of the amount owed A copy of the original signed agreement Proof that your agency is licensed to collect in my state Until I receive full validation, please cease all collection efforts, including reporting to credit bureaus. 

Sincerely, XXXX 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 2025-07-30 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Equifax XXXXnformation Services, LLC Experian TransUnion

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 2025-07-30 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: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Equifax XXXXnformation Services, LLC Experian TransUnion

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: OH

Complaint narrative:
Disputed invalid collections on credit report with all 3 credit agencies. XXXX  and XXXX  correctly removed collections after disputing first time. Equifax refuses to remove collection that is not valid and no information on their reasoning as to why. 

I moved out of an apartment complex and closed all accounts related. XXXX did not cancel my service and continued charging me after i moved out. XXXX XXXX XXXX agreed to delete this if i showed any proof I was not a resident at the time. I showed and still refuse to remove and Equifax refuses to fix this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/scrub> 2025, I sent a {$10000.00} wire transfer from my XXXX  XXXX XXXX account to my Cash App account ( Cash App is operated by Block , Inc. and uses XXXX XXXX XXXX  ). 

Cash App rejected the wire on the XXXX cause that was the beginning of a business day which was on a Monday and cashapp later stated that it would be refunded. However, as of today ( XX/XX/year>2025 ), I have not received the refund, and the money is not in my bank account. 

I contacted Cash App support multiple times. They continue to say the funds are pending and that the delay may be on my banks end, which is false. I received a separate wire refund of {$3500.00} from Cash App shortly after, so theres no issue with receiving wires to my bank account. 

I asked Cash App for proof of the refund or a XXXX return trace, but they refused to provide it. Now theyve closed my case and told me to file a police report and have law enforcement contact them instead. 

I believe Cash App is either holding my funds or has failed to issue the refund as required. This is a serious issue involving {$10000.00}, and I need CFPBs help to get it resolved. 

I can provide screenshots, wire receipts, or support transcripts if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I had a CareCredit rewards card. Ive had it for I believe around 3 years, if not longer. The past 2 months I have made payments which were returned. I use XXXX and have the credit builder account and my debit account and when my direct deposit hits, it splits it between them. I had money in my account, it was just in the wrong one and I didnt realize. Both times the payment was returned, I was charged a fee and as soon as I realized what happened, I paid the amount due. Both instances were BEFORE the due date. Ive never made a late payment before and have always been on good standing. My credit report supports this. Today, I got a letter today stating that my account had been closed due to 2 returned payments. I called and talked to 3 different people. They all say nothing can be done even though I never missed a payment and I fixed the returned payments AND got charged the fee. This has affected my credit score and report since Synchrony ( carecredit ) has shut down my account. I am currently in the process of buying a house and Im worried this might affect my loan. I have never had a late payment and I made good on the 2 returned payments immediately when I realized they didnt go through. This is unfair and completely out of line.

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 2025-07-30 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-30 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-30 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
Please assist me in opening an investigation into these accounts, which appear to be reporting erroneous information on my credit report. Under USC 1681g, I am officially requesting their removal within 15 days. I have provided the appropriate documents for your thorough review. It is also important to note that the reported account data varies and is inaccurate across all major credit bureaus.

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 2025-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: LA

Complaint narrative:
I went to atm to take XXXX off it said approved but it never came out machine and I said moncame off i contact the store people they stated they would contact atm people and get back ate they never did so I went did a dispute with chime but the denied my dispute but was given a reason I need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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 submitting this complaint regarding a fraudulent account that appears on my credit report. This account was opened without my authorization and is the result of identity theft, as confirmed in my FTC Identity Theft Report dated XX/XX/XXXX. 

The fraudulent account is as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Legal Violations XXXX. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX & XXXX Under the FCRA, I have the right to dispute inaccurate or fraudulent information on my credit report. Upon receiving my dispute, the credit reporting agencies must conduct a reasonable investigation and remove unverifiable or fraudulent information. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) XXXX XXXX. XXXX ( a ) FACTA requires the prompt blocking of information resulting from identity theft upon receiving proof such as an FTC Identity Theft Report. 
XXXX. Identity Theft and XXXX XXXX XXXX XXXX XXXX. XXXX The unauthorized use of my personal information for fraudulent purposes is a federal crime. Continuing to report this account after being notified constitutes willful noncompliance. 
Requested XXXX I request that the CFPB require the credit bureaus and XXXX XXXX XXXX to : XXXX. Immediately and permanently delete the fraudulent account from my credit reports with all credit bureaus. 
XXXX. XXXX the reappearance of this account as required under XXXX. 
XXXX. Provide written confirmation of the deletion and corrective actions taken. 
XXXX. Ensure no further collection attempts or credit reporting occur related to this fraudulent account. 

Failure to take corrective action XXXX result in further legal remedies under the FCRA, XXXX, and other applicable consumer protection laws. 

Attached : FTC Identity Theft Report ( FTC Report XXXX XXXXXXXX ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation