vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 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: AL

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
I am filing this complaint against Monterey Collection Services regarding the account XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance Owed : {$10000.00}. This account is being reported on my credit file as a collection, but I have no knowledge or connection to this debt. I never opened, authorized, or agreed to any account with this company, nor have I received any documentation validating its legitimacy. 

This account appears to be fraudulent or inaccurately reported, and Monterey Collection Services has failed to provide any proof or contract to verify ownership of this alleged debt. Reporting an unverified or false collection account constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ) for accuracy and 611 ( a ) for failure to verify disputed information. 

This false reporting has caused significant harm to my credit standing and has affected my ability to obtain credit fairly. Despite attempts to have this account validated, no proper verification has been produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a Citybank/ Citi Best Buy Card for years. It has a XXXX XXXX annual fee. 
Citi sent me emails that I had applied for a XXXX XXXXXXXX year card. And then sent me the card UPS next day mail. I can no longer log in to my Best Buy Citi Account. The service representative just has questions for me and no answers or indication except they will look into my case if I give them enough information like my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for their continued failure to resolve fraudulent charges on my account ending in XXXX. 

In XXXX and XX/XX/year>, my credit card was compromised, and over {$3000.00} in unauthorized charges were made. Navy Federal placed the amount {$3400.00} in dispute as shown in my XX/XX/year> statement however, they continued to allow new charges to post, applied interest, and have refused to permanently remove the fraudulent balance. 

Despite my repeated requests through their online portal, they have ignored my demands to zero out the balance, issue a new card, and stop all billing related to this fraudulent activity. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and the FCRA 623 ( b ), Navy Federal is required to stop collection, correct reporting, and block further transactions once an item is disputed. 

I demand the following : Immediate deletion of the full fraudulent balance ( {$2200.00} as of XX/XX/year> ) Full closure of the compromised account Issuance of a new card with {$0.00} balance Cease all collection attempts and update credit reporting to reflect XXXX balance Navy Federal is in violation of federal law, and this complaint seeks CFPB intervention to resolve this matter quickly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filled a dispute back in XX/XX/XXXX with a dissatisfied result for inaccuracy prompting me to file a complaint with the cfpb regarding a closed and fully paid child support account that continues to appear on my credit report for more than a decade. ( Experian ) This account was closed and paid in full over 10 years ago. Until recently, Experian reported that it would be on file until XX/XX/XXXX, which was already passed the statute of limitations and past the 7 years according to the Fair Credit Reporting Act ( FCRA ). Record on the credit report even shows the last payment was in XXXX. 

However, after disputing the account with Experian to have it removed as outdated, Experian now shows that the account is " scheduled to remain on record until XXXX '' extending the reporting date by XXXX more years! This appears to be an instance of improper re-aging, which is a violation of the FCRA. 

I am requesting that the CFPB investigate how Experian determined the new removal date XXXX, and whether the data furnished ( State child support agency ) provided new or incorrect information that caused this changed. This account has had no activity for over 10 years. 

I am also requesting the removal of this outdated account from my credit report if it has extended the allowable XXXX reporting limit. Note : It's been more than 10 years. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX XXXX XXXX  Subject : Complaint Against Wells Fargo Request for Claim Reversal XXXX XXXX  To Whom It May Concern, I am writing to formally lodge a complaint against Wells Fargo regarding a claim reversal issue I attempted to address during a call on [ insert date ] at XXXX PM. Despite my efforts to resolve this matter with the agent, my concern was not addressed satisfactorily. I am requesting that the reversal be recredited back to my account promptly. 

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 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
Subject : Formal Request for Deletion of Collection Account Due to Severe XXXX XXXX & FCRA Reporting Violations Account Number : XXXXXXXX XXXX XXXX Account Name : ALDOUS ( Original Creditor : XXXX XXXX XXXX ) Dear XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy and compliance of the above-referenced collection account as it appears on my credit report. Upon review, I have identified multiple severe violations of XXXX XXXX reporting standards and FCRA 623 ( a ) ( 1 ) ( A ), which require furnishers to report accurate and complete information. 
Specifically, the following key fields are inaccurately reported, resulting in misleading, obsolete, and incomplete information on my credit file : Date Opened ( DOFD ) : The reported date, XXXX, is a future date, which is an impossibility and an egregious violation of XXXX XXXX reporting standards. 
Date Reported : The reported date, XXXX, is also a future date, rendering the entire entry inaccurate and unverifiable. 
Account Status/Payment Rating : The " Derogatory '' status can not be validly reported when the foundational date information is incorrect and violates XXXX XXXX code segments used to determine account status and delinquency.

These reporting errors result in misleading, obsolete, or incomplete information on my credit file.

Under FCRA 611 ( a ), I am demanding that you conduct a proper reinvestigation and either correct the reporting of this account to be 100 % accurate and verifiable, or delete it entirely from my credit file immediately. The current reporting constitutes a complete failure to report data according to XXXX XXXX standards, or to maintain accurate records after notice. 
Please provide me with written confirmation of the deletion or correction within 30 days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they XXXX have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau XXXX XXXX required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my XXXX XXXX and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 years. 

XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ( XXXX ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a HELOC account with JPMorgan Chase Bank with a principal balance of {$0.00}. JPMorgan Chase Bank claims that in order to protect their interest in the property, they have imposed a " lender-placed insurance '' for the amount of {$5000.00}. 
I became aware of these charges on XXXX XXXX, 2025 and immediately called the phone number ( XXXX ) listed in their letter ( " Second and file notice ... '' ) dated XX/XX/year>. On that day, I told the representatives that I talked with that I disagreed with the insurance policy of the imposed home insurance and HELOC agreement and asked to close my account and end the business relation with JPMorgan Chase. They did not honor my request and continued to push me around the HELOC and Insurance departments claiming that the other party was responsible. XXXX representative stated that due to changes at JPMorgan Chase this account was reviewed while another representative clearly and with confidence stated that " the HELOC account can be closed without the need for home owners insurance '' but my request kept being reviewed behind closed doors and denied. Their letter states in the " Frequently Asked Questions '' the following statement : Why is insurance required for my property? Under the terms of your mortgage documents, hazard or homeowners insurance is required until your mortgage is paid off ... '' My account has had a XXXX ( {$0.00} ) principal balance for the last 4 years, meaning " PAID OFF '' as referred to in their own statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am submitting this complaint because multiple collection agencies have failed to honor a pay-for-delete agreement that was completed in full. 
I entered into written pay-for-delete agreements with National Credit Adjusters and XXXX XXXX Associates. Per our agreements, I paid the agreed amounts in full with the understanding that the related collection accounts would be deleted from my credit reports upon payment. 
After payment, XXXX, the reporting entity, confirmed they would remove the collection entry. Despite completing all terms and receiving confirmation of removal, these accounts remain on my credit reports with the credit reporting agencies. 
This continued reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers may not report information they know or reasonably should know is inaccurate.

15 U.S.C. 1681i Requires credit reporting agencies to promptly reinvestigate disputed information. 
15 U.S.C. 1681e ( b ) Credit bureaus must ensure maximum possible accuracy of reported information. 
I have contacted the credit bureaus and provided documentation showing the completed agreements, but the accounts have not been deleted. This has caused ongoing harm to my credit reputation and financial opportunities. 
I am requesting that the CFPB investigate and compel the following actions : XXXX deletion of the collection accounts from my credit reports with all credit bureaus. 
Confirmation from the furnishers ( National Credit Adjusters, XXXX XXXX XXXX, and RDAC ) that they have corrected their reporting. 
XXXX that no further inaccurate information will be furnished related to these accounts. 
Attachments : Pay-for-delete agreements Payment confirmation receipts Correspondence confirming removal from XXXX XXXX credit report showing the inaccurate entries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The car wa repoed when I was taken in to jail for child support. When I spoke to them they stated that the vehicle was sold for over the amount I owed and wanted me to pay the processing fee of {$220.00}. I request them to send me that in writing and they never did. Now they are reporting th full amount on my credit report. {$6700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me and continuing to cause significant harm in ways that are unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
I am filing this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) due to inaccurate personal information appearing on my credit report. Specifically, I am disputing the following incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX. These addresses should not be listed on my credit file. Additionally, there are multiple last name errors, including " XXXX XXXX XXXX '' and " XXXX XXXX XXXX '' which do not match my legal name. Also, Kindly update my middle name as it should be reflected as my accurate middle initial. The only correct name that should appear is " XXXX XXXX XXXX. '' To support my claim, I have already submitted my valid government-issued ID, XXXX card, utility bill, and other documents containing the correct personal details. The accurate information is as follows : Name : XXXX XXXX XXXX and Correct Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX. Despite submitting a dispute before in XX/XX/year> with a tracking number of XXXX and submitted an FTC Report in XX/XX/year> in disputing these inaccuracies before, the incorrect information remains on my credit report. It is important to note that the FTCs website was shut down during this period, which hindered my ability to file additional reports or complete the necessary steps to resolve this issue. I am requesting that the CFPB intervene and ensure that the credit bureaus immediately correct these errors and update my credit file in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: WV

Complaint narrative:
I am disputing the accuracy and completeness of the following accounts reported by TransUnion. I respectfully request verification or removal if these accounts can not be fully verified. 

CHARGED OFF Accounts : CREDIT COLL Account No : XXXX Date : XX/XX/XXXX Balance : {$350.00} XXXX Account No : XXXX Date : XX/XX/XXXX Balance : {$8600.00} XXXX Account No : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account No : XXXX Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX COAF Date : XX/XX/XXXX COAF Date : XX/XX/XXXX COAF Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX CPS Date : XX/XX/XXXX EVOLVESPARR Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : 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 non-monetary relief