vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: MA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
My ex-wife who resides in Washington state, has opened XXXX or XXXX credit cards under my name. I live in Louisiana, and just had to take her current address that I have never lived at off my credit report. I had no knowledge of any of these cards on my credit report.

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 2025-08-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-09 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-09 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: KS

Complaint narrative:
This complaint concerns XXXX XXXX, which is now reporting on my Equifax credit report under the name XXXX XXXX XXXX. This name change occurred between XX/XX/year>2025, immediately after I received a XXXX  account closure notice from their XXXX XXXX XXXX. 

On XX/XX/scrub> 2025, I filed a CFPB complaint against XXXX XXXX for inaccurate credit reporting ( CFPB Case XXXX XXXXXXXX ). It was closed with the only communication being outside of the CFPB portal. 

On XX/XX/scrub> 2025, I received a XXXX account closure notice from their XXXX XXXX XXXX. I filed another CFPB complaint, addressed in CFPB Case XXXX XXXX, regarding this matter. 

Within 24 hours of that closure notice and filing the second CFPB complaint, between XX/XX/year>2025, my Equifax credit report showed that the creditor name for this same account was changed from XXXX XXXX to XXXX XXXX XXXX. I did not authorize or request this change, and I was not notified in advance. 

This change occurred in the middle of an active federal dispute process and appears to be a deliberate attempt to : 1. Obscure the identity of the original creditor.

2. Interfere with and undermine the CFPB dispute process.

3. Make verification more difficult or manipulate reporting timelines.

I requested verification of the account and a written explanation for this sudden name change during an open dispute. The company has failed to provide any response or documentation.

Given the timing, lack of transparency, and pattern of retaliatory actions, I believe this is an intentional and deceptive practice that violates the Fair Credit Reporting Act ( FCRA ) and the CFPBs rules prohibiting unfair, deceptive, or abusive acts or practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: MD

Complaint narrative:
XXXX XXXX continues to report inaccurate data to TransUnion and I have been trying to have the inaccuracies removed. I have been successful with XXXX  and XXXX  with those Credit Bureaus removing the inaccurate information from my Credit Report. Please look into this matter. 

I began disputing these inaccuracies back in " 2024 '', I have attached 2 previous documents including an Addedumn that I sent recently.

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 2025-08-09 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:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: WA

Complaint narrative:
I sent them a letter to correct the Date of First Delinquency ( DOFD ) to XX/XX/XXXX as shown in my credit report on XX/XX/XXXX. As I reviewed my credit report on XX/XX/XXXX, the DOFD is now showing XX/XX/XXXX, the DOFD was changed to XX/XX/XXXX without justification. This change is inaccurate and appears to be improper " re-aging, '' which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681c.

I have physical copies of both reports as proof that the DOFD has been altered. Please investigate and correct the DOFD to accurately reflect XX/XX/XXXX, and ensure that the account is removed permanently from my credit report after the legally allowed 7-year reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: IL

Complaint narrative:
Dear CFPB, I am sending to dispute fraudulent accounts on my credit reports, which have resulted from identity theft. These accounts were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These accounts in question are : XXXX  XXXX BALANCED {$2300.00} XXXX  XXXX BALANCED {$5000.00} XXXX  XXXX BALANCED {$4500.00} XXXX XXXX  XXXX BALANCED {$7100.00} XXXX XXXX XXXXXXXX XXXX BALANCED {$7900.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$44000.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX BALANCED {$15000.00} XXXX XXXX  XXXX BALANCED {$5500.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$20000.00}

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 2025-08-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX and Bank of america prepaid card had put a freeze on my card XXXX after 4 year 's verify my identity and winning my appeal on XXXX XXXX XXXX  sent me a money market card with my benefits for XXXX  year. They told me I had to notify bank of america for my benefits XXXX didn't put a hold only stop payment. Bank of America were the ones who froze my account for unusual activity fraud. I had to verify my identity. I file a claim XX/XX/XXXX with the Bank of America that's when I was aware of the unauthorized transaction made with my card. I have not had possession of my card .it was lost / Stolen. In XXXX I did notify the bank of america I never received the second card .on XX/XX/XXXX Bank of America employees told me that there was 3 cards sent out to me which I didnt authorize it or received them just the one which was the first. When bank email me the statement I didn't not authorize these transactions or did I give anyone my XXXX. They denied my claim the reason for the card was successfully activated with my credentials. That's how they look into my claim XXXX so many people have access or can get anyone information so easy .I had set just set up my account with Bank of America XXXX and a security question. Cause I didn't have one set up.

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 2025-08-09 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:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX  data breach.

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 2025-08-09 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:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX  Collection/Charge-Off Account Inaccuracies To Whom It May Concern : I am writing to dispute inaccurate and conflicting information reported on my Equifax credit report concerning an XXXX XXXX  account currently reported in collection/charge-off status. The account reflects inconsistent last payment dates : The account shows a last payment date of XX/XX/XXXX. 
However, the payment history visual chart reflects a last payment date of XX/XX/XXXX. 

This discrepancy indicates that the reported information is inaccurate and incomplete, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Furthermore, 15 U.S.C. 1681i ( a ) requires Equifax to conduct a reasonable reinvestigation upon notice of a dispute and promptly correct or delete any inaccurate or unverifiable information. 

Relevant case law supports my dispute : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court held furnishers liable for reporting inaccurate information and emphasized their duty to ensure accuracy. 
In XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court stated that credit reporting agencies must conduct meaningful reinvestigations when disputes arise. 
In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), failure to correct inaccurate credit information was deemed a willful violation of the FCRA. 

Demand for Action : 1. Conduct a thorough reinvestigation of this XXXX Bank account, with special attention to verifying the correct last payment date. 
2. Correct the conflicting payment date information to accurately reflect verified data.

3. Provide me with the documentation or method used to verify the last payment date.

4. Provide an updated credit report reflecting all corrections. 

Failure to comply with the FCRA may compel me to seek all available legal remedies, including complaints with the Consumer Financial Protection Bureau and claims for damages under 15 U.S.C. 1681n & 1681o. 

Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-11 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
I found this on my credit report and reached out via phone and no information provided

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
New Rez mortgage is our current mortgage company and they approached us about a refinance ( XXXX ). We agree so that we could consolidate debt and update our kitchen and bathrooms. we are not selling our home despite the substantial equity it has in it. Our home is in a great neighborhood and worth more that the XXXX that we suggested as a price. 
The application was submitted but when the loan XXXX heard me talking to an employee and asked what I did. He switched his thought process to " self employment '' when I stated we had adult day and health care centers. He asked what part of my home I used for the day care? I stated we did not use any part of the home. He was condescending and acted as if I were too stupid to understand the differnce in business entities. I am an employee of a XXXX. The corporation has buildings. He said that makes you self-employed and I need the companies taxes, profit and loss statements, etc. I continued to explain I sent him my XXXX and pay stubs and that is the income that I am claiming because the corporation is a separate entity from me. They called and emailed the business several times asking who I was and what my title was. They emailed stating they needed to reverify my title. They sent the mortgage agreement twice for signatures ; virtual and manual. I told him that according to the IRS I am an employee and New Rez can not make me any different. He said no its not if you are the owner. He said not according to his boss. I have not gotten any further clarifying information as to why I, as an employee, am now a XXXX XXXX They said based on the company 's XXXX XXXX XXXX I did not make enough income. My personal income obligations have been and are being met.

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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
" My PayPal account, registered under the name phamxuannguyen and email XXXX, was permanently deactivated on XX/XX/year>. At the time of deactivation, the account had a balance of {$3.00} USD. I have attempted to contact PayPal to understand the reason and to find a way to restore my account, but I have not received a satisfactory response. I believe the account was unfairly limited and I am requesting the CFPB 's assistance in resolving this issue. My primary goal is to have my account reopened so I can regain full access to the service and the funds held within it. I would like the CFPB to work with PayPal to have the permanent limitation removed.

Company response to consumer: Closed with explanation