vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This complaint is filed against Equifax Information Services LLC for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a XXXX XXXX  account ( No. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX. Despite a formal dispute submitted on XX/XX/XXXX, Equifax continues to report false and inconsistent information, including an incorrect Closed / Transferred status and unverifiable late payments from XX/XX/XXXX to XX/XX/XXXX. Equifax has failed to conduct a proper reinvestigation, verify the accuracy of the data, or provide evidence from the furnisher, in direct violation of 1681i and 1681e ( b ) of the FCRA. This negligence has caused harm to the consumers credit and financial reputation. The complainant, through her authorized representative XXXX XXXX XXXX, XXXX, demands immediate deletion or correction of all unverifiable data, confirmation of the investigation results, assurance against unlawful reinsertion, and appropriate corrective action against Equifax for its failure to ensure maximum possible accuracy and compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am reporting an unauthorized deduction from my account. 

On XX/XX/year>, I made a purchase with XXXX XXXX for {$150.00}. I later disputed this transaction, and on XX/XX/year>, Navy Federal issued a temporary credit of {$150.00}. 
Afterward, XXXX XXXX issued a price adjustment of {$58.00} on XX/XX/year> ( not a refund ). 

On XX/XX/year>, I noticed a pending transaction showing Navy Federal was deducting {$58.00}, claiming it was tied to the temporary credit. This is incorrectthe {$58.00} belongs to me as part of a price adjustment, not to Navy Federal. 

Please investigate and correct this unauthorized withdrawal immediately. 

Sincerely, XXXX XXXX

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 2025-11-10 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:
b'Account Number: XXXX XXXX XXXXConsumer Name: XXXX  XXXXLast 4 of SSNXXXX XXXXDOBXXXX XXXX XXXX XXXX has continued to report late payments on my account even though:\n\t1.\tThe past due balance has been fully paid.\n\t2.\tMy account is now current.\n\t3.\tThe bank recently increased my credit limit, which reflects responsible usage and repayment.'

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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I used to have an account with this company and unexpectedly they closed it, sent me a check refund with the money on my account 45 days later with no explanation and tell me to reapply in 6 months with no success.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a small balance on my Macy 's card which I had paid in full. I paid the bill on time, but there may have been a delay with the mail and my check did not get cashed by Macy 's before the due date. I was assessed a late fee ( had no other balance outstanding ). I was out of town & did not realize that I had received a bill only for a late fee ( because I was not expecting that invoice ) & then Macy 's charged me a late fee for late payment of my late fee. When I called Macy 's on XXXX XXXX to explain what happened they were very nice about it and waived the fees and I also closed out my account with a XXXX balance since this is a card I rarely use. I received my final invoice showing and XXXX balance as well as confirmation that my card was closed. After receiving the final invoice, Macy 's is all of a sudden ending me a new bill for the late fee saying it was waived " in error ''. This matter is closed and I have already spent quite a bit of time on the phone resolving it with the Macy 's representative. This is unacceptable to try and reverse what we already agreed to via telephone on XXXX XXXX and for which I received written confirmation. It was a bogus charge to begin with and now they are once again trying to squeeze {$41.00} out of me for no reason.

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 2025-11-10 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: UT

Complaint narrative:
I am submitting a second-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several items remain unresolved, inaccurately reported, or unverifiable. These errors misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I formally request a comprehensive reinvestigation of all disputed items. Each item should be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-11-10 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: HI

Complaint narrative:
I previously submitted a dispute regarding multiple inaccuracies appearing on my credit report. However, after reviewing the results of that initial investigation, I have determined that several of the disputed items remain inaccurate, incomplete, or unverifiable. These errors continue to misrepresent my true credit history and have not been properly addressed in accordance with the Fair Credit Reporting Act ( FCRA ).

This submission serves as my second-round follow-up complaint requesting a full and reasonable reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). The reporting agencies and furnishers are obligated to ensure maximum possible accuracy as required by FCRA 607 ( b ) and are prohibited from reporting any information known to be inaccurate under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX XXXX  Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, HI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-10 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute the accuracy of several late payment notations appearing on my credit report. This letter is being submitted in accordance with the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants me the right to challenge any incomplete or inaccurate information being reported. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$35.00} Late 30 Days FCRA 611 ( 15 U.S.C. 1681i ) : Grants me the right to dispute and request a reinvestigation of any inaccurate or unverifiable information in my credit report. FCRA 623 ( a ) ( 2 ) : Requires furnishers ( like Capital XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  ) to promptly correct and update information they have provided once an inaccuracy is identified. FCRA 623 ( b ) : Obligates furnishers to conduct a reasonable investigation when notified of a dispute and ensure that only verified, accurate data is reported. FCRA 602 : Declares that the purpose of the Act is to ensure accuracy, fairness, and privacy protection in the reporting of consumer credit information. Continuing to report inaccurate or unverifiable late payments violates this congressional purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am submitting to formally dispute the accuracy of several late payment notations appearing on my credit report. This letter is being submitted in accordance with the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ], which grants me the right to challenge any incomplete or inaccurate information being reported. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$35.00} Late 30 Days FCRA 611 ( 15 U.S.C. 1681i ) : Grants me the right to dispute and request a reinvestigation of any inaccurate or unverifiable information in my credit report. FCRA 623 ( a ) ( 2 ) : Requires furnishers ( like Capital XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  ) to promptly correct and update information they have provided once an inaccuracy is identified. FCRA 623 ( b ) : Obligates furnishers to conduct a reasonable investigation when notified of a dispute and ensure that only verified, accurate data is reported. FCRA 602 : Declares that the purpose of the Act is to ensure accuracy, fairness, and privacy protection in the reporting of consumer credit information. Continuing to report inaccurate or unverifiable late payments violates this congressional purpose

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 2025-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is being formally submitted by XXXX XXXX XXXX XXXX XXXX, represented by XXXX XXXX, on behalf of XXXX XXXX XXXX, pursuant to the executed Consumer Authorization and Limited Assignment Agreement. This filing concerns Equifaxs repeated and willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, 1681n, and 1681o ) by failing to properly reinvestigate, verify, and correct disputed credit information. Despite receiving multiple dispute notices from XXXX XXXX XXXX, dated XX/XX/year>, and XX/XX/year>, Equifax has continued to report inaccurate and unverified late payment data without providing any competent evidence or documentation substantiating its accuracy. The disputed items involve late payment entries on Bank XXXX XXXX account ending in XXXX and XXXX XXXX accounts ending in XXXX and XXXX, which Equifax has continued to report without verification or supporting records.

Equifax has completely disregarded its legal obligations under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to disclose the identity of the person ( s ) who verified the disputed information, the method used, and the supporting documentation relied upon. By failing to provide any such evidence or remove the inaccurate data, Equifax has engaged in clear and willful noncompliance, demonstrating reckless disregard for the consumers rights under federal law. XXXX XXXX XXXX has suffered direct harm to his credit standing and financial reputation as a result of Equifaxs negligent and unlawful conduct. The bureaus continued reporting of unverifiable and false data, despite repeated written notice, shows a pattern of deliberate negligence and bad faith in handling consumer disputes. 

Therefore, the complainant demands that the Consumer Financial Protection Bureau immediately investigate this matter and compel Equifax to take corrective action. Specifically, Equifax should be ordered to conduct a lawful reinvestigation under the FCRA, permanently delete all inaccurate and unverified late payment information, and provide full documentation of any verification process allegedly conducted. Written confirmation of deletion and compliance should be provided to both the consumer and his authorized representative within fifteen ( XXXX ) days. The complainant further requests that the CFPB consider regulatory penalties for Equifaxs willful and repeated disregard of federal law and consumer protection standards. XXXX XXXX XXXX, XXXX, as the authorized representative, reserves all rights to pursue additional remedies under FCRA 1681n and 1681o for damages resulting from Equifaxs ongoing violations and failure to act in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax is reporting a XXXX XXXX  credit card that is charged off for about {$950.00}. I previously disputed this item. Equifax kept the account on my report and marked it as verified. 

I am now requesting the method of verification under the FCRA. Please provide : the name, address, and phone number of the party you contacted at XXXX, the date and manner of the verification, and the documentation you relied on to continue reporting the account. 

If Equifax can not obtain proper verification from XXXX XXXX, or if the balance/charge-off amount can not be supported, I am requesting that the account be deleted or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Enclosed are the necessary documents to support my claim.

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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am formally requesting a reinvestigation and correction of inaccurate or potentially incomplete information regarding the following account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) grants consumers the right to dispute information that may be incomplete, inconsistent, or inaccurate. Please review the following account for accuracy : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief