vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-11 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 
According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
They placed this on my credit out of no where on XX/XX/25. 
Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a creditor can not report inaccurate information on a consumers credit report. Since this debt should have been reported under a Tax ID ( EIN ) and not your personal Social Security Number ( SSN ), XXXX has misreported the account, leading to an unfair drop in your score.

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires that creditors update and correct information when they discover errors. Since XXXX has never reported your good payment history but suddenly reported a negative item, this constitutes incomplete and misleading reporting, which is prohibited.

Under 12 CFR 1002.10, creditors are required to accurately report the credit history of an applicant, including timely payments. If XXXX failed to report your on-time payments but only reported the late payment, they are violating your rights by presenting an incomplete credit history. 

inaccurate entry on my personal credit report that has resulted in a XXXX drop in my credit score. This issue is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the Equal Credit Opportunity Act ( 12 CFR 1002.10 ) for the following reasons : 1. The business credit card account under my Tax ID ( EIN ) has been incorrectly reported on my personal credit file under my Social Security Number ( SSN ). 
XXXX. XXXX failed to report my good payment history but reported a single late payment, violating FCRAs requirements for complete and accurate reporting. 
3. This incorrect reporting has caused an unfair drop in my credit score, affecting my financial standing. 

As required by the FCRA, XXXX must immediately correct or delete this inaccurate information. I request that : This account be removed from my personal credit report since it was opened under a Tax ID ( EIN ) and should not be affecting my personal credit. 
XXXX retroactively report my on-time payments if the account is to remain on my report. 

Failure to comply with 15 U.S.C. 1681s-2 ( a ) will result in a formal complaint to the CFPB and potential legal action for damages caused by this inaccurate reporting.

Please update my records immediately and provide confirmation of these changes within 30 days, per the FCRAs dispute resolution timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo is a company with corrupt practices. Wells Fargo has put me in a very negative position. On the XXXX of XX/XX/year>, I received my direct deposit from social security. I used my direct deposit to pay off my cash advance loans from XXXXXXXX XXXX XXXX. I then used the remaining money to pay for my XXXX XXXX XXXX loan. Wells Fargo made errors on my checking account by charging me twice for my XXXX cash advance loan on the XXXX and on the XXXX of XXXX. This put my account in a temporary overdraft and caused my XXXX XXXX XXXX loan payment attempt made on the XXXX of XXXX to be denied. This has put me in a negative position because my XXXX XXXX loan has been unpaid for over 10 days without my knowledge. Wells Fargo has tried to hide their actions by disorganizing my transaction history. I tried to find the root of the problem, only to be met with arrogant, dishonest, impatient, corrupt customer service. Wells Fargo has tried to hide their mistake which they don't intend fix.

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 2025-03-11 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: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-03-11 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: LA

Complaint narrative:
Subject : Request for Deletion Due to Inconsistent and Unverifiable Reporting [ Creditor Name ] Dear Consumer Financial Protection Bureau, I am filing a complaint regarding inaccurate and inconsistent reporting by Applied Bank across the major credit bureaus. The reported information is contradictory and unverifiable, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Experian : Reports monthly updates and lists XX/XX/XXXX as late, with a status update as of XX/XX/XXXX. 
TransUnion : Shows no monthly updates and lists the status update as XX/XX/XXXX. 
XXXX : XXXX different monthly updates and lists XX/XX/XXXX as paid, with a status update as XX/XX/XXXX. 
These conflicting details make it impossible to determine which information if any is accurate. Since the data is inconsistent and unverifiable, I am requesting that this account be deleted from my credit report in accordance with my rights under the FCRA. 

I have attached supporting documents, including copies of my credit reports highlighting the discrepancies. 

I ask that the CFPB investigate this matter and ensure the inaccurate information is permanently removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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: LA

Complaint narrative:
Subject : Request for Deletion Due to Inconsistent and Unverifiable Reporting [ Creditor Name ] Dear Consumer Financial Protection Bureau, I am filing a complaint regarding inaccurate and inconsistent reporting by Applied Bank across the major credit bureaus. The reported information is contradictory and unverifiable, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

The discrepancies are as follows : Experian : Reports monthly updates and lists XX/XX/XXXX as late, with a status update as of XX/XX/XXXX. 
TransUnion : Shows no monthly updates and lists the status update as XX/XX/XXXX. 
XXXX : XXXX different monthly updates and lists XX/XX/XXXX as paid, with a status update as XX/XX/XXXX. 
These conflicting details make it impossible to determine which information if any is accurate. Since the data is inconsistent and unverifiable, I am requesting that this account be deleted from my credit report in accordance with my rights under the FCRA. 

I have attached supporting documents, including copies of my credit reports highlighting the discrepancies. 

I ask that the CFPB investigate this matter and ensure the inaccurate information is permanently removed from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Unauthorized Debt Collection & Funds Withdrawal by Navy Federal Credit Union I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding their continued withdrawal of funds from my checking account to collect on a charged-off credit card debt from XXXX 

The credit card was originally opened in XXXX XXXX and the debt was incurred while I was living in XXXX 

Navy Federal charged off the debt in XXXX and it has been reported as such on my credit report for years. 

I currently reside in XXXX, but my military home of record was XXXX  at the time. 

Despite the debt being charged off, NFCU automatically drains any money deposited into my account without my consent.

When I called Navy Federal to dispute this, their representative refused to acknowledge state statutes of limitations ( SOL ) and falsely claimed they could collect the debt indefinitely, regardless of SOL laws.

I asked for a copy of our phone conversation, but the representative refused to provide it. 


Why This Is a Problem : 1. Statute of Limitations May Have Expired Based on the states involved ( SC & MD : 3 years, FL : 5 years, GA : 6 years ), NFCU may no longer have the legal right to sue for collection, yet they continue seizing my funds.

2. Unfair & Deceptive Collection Practices The representative falsely claimed that NFCU could collect forever, which is misleading. She also seemed very hostile and defensive about me bringing SOL and the charge off date. She even got smart and I said " may I ask you a question '' her reply was " you can try ''.

3. Refusal to Provide Call Recordings or Documentation I requested proof of their collection rights and a copy of my call, but they refused.

4. Right of Setoff Being Abused While NFCU may claim " Right of Setoff, '' they failed to provide written notice or an opportunity to dispute. 



This situation has caused significant financial hardship, and Navy Federals refusal to acknowledge the law is unacceptable. I request that the CFPB investigate their collection practices and hold them accountable for any violations of consumer protection laws.

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 2025-03-11 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, based on the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After reviewing my credit report, I have identified [ list the accounts ] that I believe are inaccurate or incomplete. Under the FCRA, you are required to investigate and correct any errors or inaccuracies within 30 days of receiving this dispute.

Legal Basis for Dispute : Under the FCRA, specifically : 1. Section 1681i - Procedure in case of disputed accuracy : You are required to investigate disputed information within 30 days of receiving a dispute notice from the consumer. The information you report must be accurate and complete. If after investigation, the information can not be verified as accurate, it must be removed.

2. Section 1681e ( b ) - Duty to maintain accurate information : You must follow reasonable procedures to ensure that the information you report is accurate. If I have disputed the accuracy of any information, you must provide verification or remove the disputed entry.

3. Section 1681c - Information excluded from credit report : Information that is outdated or unverifiable should be excluded from my credit report. If these accounts can not be properly verified, they should be removed from my credit file immediately.

I have reason to believe that these accounts are inaccurate because this was a secured card I deposited money to open these accounts when closed they kept the money, meaning the account is paid off. As such, I am requesting that these accounts be permanently removed from my credit report.

Please investigate this matter and provide me with the results of your investigation within the 30-day period required by the FCRA. If the information can not be verified, I expect the accounts to be deleted from my credit report in compliance with the law.

Additionally, under FCRA Section 1681i ( a ) ( 6 ) ( B ), if these accounts are not verified, you are required to notify any party who has received a copy of my credit report within the past six months.

Please provide written confirmation of your actions regarding this dispute. I am also requesting a copy of my updated credit report once the dispute is resolved.

Thank you for your prompt attention to this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-11 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 am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Dispute of Inaccurate Information on Consumer Report Dear Early Warning Services, I am writing to formally dispute the accounts listed under my name in my consumer report. My details are as follows : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - SSN : XXXX - Date of Birth : XX/XX/XXXX I have noticed that there are multiple accounts reported that do not have the proper documentation associated with them, specifically regarding my state ID. Below are the accounts in question : Capital One Bank XXXX Bank Routing # : XXXX Account # : XXXX Under the Fair Credit Reporting Act, I am entitled to dispute inaccuracies on my credit report and request that you provide proof of the validity of these accounts. 

Since you have not provided the necessary documentation to verify these accounts, I request that they be removed from my consumer report immediately. It is illegal for these accounts to remain on my report without proper paperwork supporting their validity. 

Please investigate this matter and provide a written response detailing the results of your investigation, as well as any documentation you have regarding these accounts, within 7 days as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-11 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: IL

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 explanation
Consumer complaint received 2025-03-11 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's inaction violates federal law and my rights as a consumer.

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