vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX has failed to validate the debt as required under the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC Article 9 ). The documents submitted are incomplete, inadequate, and legally insufficient to support the continued reporting of this tradeline. 

1. Missing Required Post-Repossession Disclosures XXXX  submitted a Retail Installment Sales Contract dated XX/XX/year> but this document only proves the loan was originated, not that the alleged balance is legally collectible or accurate. 

Critically, they did NOT include : Notice of Default Notice of Right to Cure Notice of Intent to Repossess Post-Sale Accounting of Deficiency ( UCC 9-616 ) Proof of Commercially Reasonable Sale Under UCC 9-611 and UCC 9-616, a lender must provide clear post-repossession notices and an explanation of how the deficiency balance was calculated. Failure to do so bars them from collecting or reporting the balance as valid debt. 

2. No Deficiency Reconciliation or Balance Justification The documentation fails to show : Vehicle resale date Resale price Balance at time of repossession Any payments received or credits applied How the remaining balance was calculated There is no legal explanation for the reported balance. This is a direct violation of FCRA 609 ( a ) and 623 ( a ) ( 1 ) ( A ) furnishers must report accurate and verifiable data.

3. Invalid Reporting = Illegal Credit Damage XXXX is reporting a deficiency balance without validation, which violates : FCRA 623 ( a ) ( 5 ) if the Date of First Delinquency is wrong or not clearly documented, the account is illegally re-aged.

FCRA 611 & 609 the consumer has the right to dispute and demand meaningful documentation, which has not been provided. 

Fair Resolution Requested Because XXXX  failed to : Provide post-repossession notices, Prove commercial reasonableness of sale, Show deficiency reconciliation, or Validate the accuracy of the reported tradeline, I am requesting immediate deletion of this tradeline from all credit bureaus. 

The incomplete documents provided do not support continued reporting. The burden of proof rests with the furnisher not the consumer. XXXX has not met that burden.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: AZ

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXXday period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
b'Transunion Credit report \nItems that have been disputed but remain \n\nTransunion Report file number: XXXX DatedXXXX XXXX  Names XXXX XXXX XXXXAddressesXXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX  Date Reported XXXX  Other Address XXXX XXXX XXXX XXXX, FL XXXX Date Reported XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX  Date Reported XXXX Other Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Date Reported XXXXPhone NumbersXXXX XXXX XXXXEmployers:\n XXXX XXXX Occupation XXXX XXXX  Date Verified XXXX XXXX XXXX XXXX XXXX Date Verified XXXX XXXX  Occupation XXXX XXXX Date Verified XXXX NEED NEW EMPLOYER INFO Occupation XXXX XXXX Date Verified XXXX XXXX XXXX XXXX XXXX XXXX  Occupation XXXX XXXX  Date Verified XXXX XXXX XXXX Occupation XXXX XXXX Date Verified XXXX XXXX XXXX Date Verified XXXX XXXX  Account XXXX XXXXAmount: 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 2025-07-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank works with jewelry companies to provide attractive financing to customers however, if customers have two or more promotional accounts that defer interest the company applies more of the payment to the later promotional account that ends six months later. This allows the deferred promotional interest to be assessed to the consumer, improperly.

If the payments were applied to the minimum payment to each program first and then to the program that expires first then the deferred interest would not be improperly assessed. 
One plan is ending XXXX and the other is on XXXX After I called on XXXX XXXX and spoke to a supervisor part of my payment was reallocated. 
They said it was a mistake, but with no clear written method consumers will be taken advantage of by this company. 
It happened to me two years ago with a different company that Comenity sponsored and therefore I watched for any issues this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Let me be absolutely clear : this complaint is legitimate and demands immediate attention. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my financial standing and overall well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
On XX/XX/year> I submitted a complaint to the CFPB disputing information on my XXXX  Credit Report. The information I was disputing was for XXXX XXXX  XXXX. After submitting the complaint to CFPB, I realized I sent it to Experian Credit by mistake. It should have only been sent to XXXX  Credit, not Experian Credit. On XX/XX/year>, I received a copy of my credit report from Experian and noticed that they added the same Item I was disputing with XXXX  XXXX to my Experian Credit Report. Over the past few months, I've received XXXX credit reports from Experian XXXX, XXXX dated for XX/XX/year> ( Report # XXXX ), showing the XXXX XXXX  XXXX information as being reported correctly. The other dated for XX/XX/year> ( Report # XXXX ), showing that they added a XXXX late payment to XXXX XXXX  XXXX XXXX being reported incorrectly. Under XXXX XXXXXXXX, you can not report pay history on a XXXX  item that was discharged. I want the pay history information with XXXX XXXX  XXXX deleted from my Experian Credit Report immediately. I want the information changed back to how it was read on my Experian Credit report dated for XX/XX/year>. Because of this disaster my credit score has dropped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On Thursday, XX/XX/year>, I submitted a credit application for an auto loan to purchase a vehicle, which I finalized on Saturday, XX/XX/XXXX. Shortly after, Navy Federal Credit Union sent me an email promoting auto loan refinancing with the message that I could potentially lower my rate and get a {$200.00} bonus. Based on the timing and the language in the message, I believed I was a good candidate and that it was safe to apply. 

On Wednesday, XX/XX/XXXX, I applied for refinancing through Navy Federal. However, I was quickly denied with no clear explanation, and a hard inquiry was placed on my credit report. 

After doing further research, I learned that most lendersincluding XXXX XXXX not approve refinance applications submitted within days of an original loan because the title transfer and reporting are not yet completed. Navy Federals marketing email did not mention any of this, nor did it include any warning that applying too early could result in denial or a credit impact. 

I feel that this is misleading advertising and poor customer guidance, especially from a financial institution. Their systems should not be prompting customers to apply if they are not yet eligibleand especially not when doing so can harm their credit with no benefit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have a credit card ( US Bank Cash Plus ) with US Bank, it was first opened as US Bank Altitude Reserve back in XXXX  later I downgraded it to the Cash Plus version. I've been using this card for utilities without any issue, and have never missed a single full statement balance payment towards the credit card. However, as of today ( XXXX ), I noticed the utility autopay was declined by US Bank, and then I contacted US Bank, only to hear the unfortunate news that they decided to close my account, and told me all my reward dollars will be forfeited. Worst of all, they did not provide any reason to why the account was closed. I don't think this closure was justified, and the refusal to provide reasons is unacceptable to me. 

I understand the bank has the rights to close account at their own discretion. My question is why. They keep telling me to refer to the cardmember agreement, but it doesn't change the fact that US Bank XXXX closed my personal credit card account. I've seen other reports of similar matter and this is not what a self-claimed leader in the financial provider industry should do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MD

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MD

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First off, someone has been accessing my Consumer Finance Protection XXXX account without my knowledge or permission. The password for this/my Consumer Finance XXXX XXXX account was reset without my knowledge or consent on XX/XX/year>. 

I recently found someone may have been using my information and identity to sign up for scientology, or law enforcement, or border patrol jobs, without my knowledge or consent. I am trying to amicably seperate myself with dignity from any such situation or membership as I am someone who ideally, is just around their own family both domestically, and hopefully soon in XXXX or the actual XXXX XXXX. 

Why the secondary Chase account ending in XXXX was seperated from my savings account, why Chase banking personnel were aiding and abetting identity theft I do not know, and why Chase bank allowed the approval of a Chase credit card at the same time this secondary Chase account was stolen by imposter, I do not know. 

I only have access to a low income, XXXX XXXX XXXX XXXX XXXX XXXX XXXX service that directs me to the most unhelpful, selfish, and quite frankly, deranged call centers. The call centers seem to be filled with those XXXX mixes who were pretending to be XXXX or XXXX XXXX, possibly taking advantage of my current situation due to XXXX mixes who stole and misused my identity in the first place. The very same ones who stole my first Chase account ending in XXXX. 

I can not actually reach anyone via cellular phone service who works directly at Chase Bank, only these awful third party call centers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: 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 XXXX 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