vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MO

Complaint narrative:
My sister received a phone called sometime in XX/XX/XXXX from Credit Corp. Collection Agency ( Collection agency for XXXX XXXX ) trying to get in contact with me about a personal business matter, even though the XXXX agency stated my number is on file. I contacted the Collection agency on XX/XX/XXXX spoke with XXXX to request documentation proving ownership. I gave her my address no information has been received as of XX/XX/XXXX. Today XX/XX/XXXX, the same Collection agency contacted my ex brother in law ( never called me 1st ) to get on touch with me about a personal business matter I called them at the number he provided to request documentation for proof of ownership this time they asked for my email. I have yet to receive an email ( 2 hours later ) my identity was also stolen around this time and a data breach. The rep said this debt is from XXXX XXXX ) and it got sent to collections in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

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 2025-12-30 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: TX

Complaint narrative:
I am submitting this complaint regarding Navy Federal Credit Unions failure to comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ).

Unauthorized electronic fund transfers were made from my checking account. I provided timely notice to Navy Federal Credit Union disputing these transactions as unauthorized.

Under Regulation E, Navy Federal was required to complete its investigation within 10 business days or, if the investigation was not completed within that timeframe, to provisionally credit my account for the full disputed amount while the investigation continued.

More than 10 business days passed after my notice. Navy Federal Credit Union did not complete the investigation and did not provide the required provisional credi
t.

After the statutory deadline passed, I sent Navy Federal Credit Union a written Regulation E violation notice and demand for immediate provisional credit. That written demand was delivered on XX/XX/XXXX. Despite receiving written notice of the violation, Navy Federal Credit Union still failed to provide provisional credit or otherwise cure the violation.

As of today, the disputed funds remain withheld. This failure constitutes a violation of the Electronic Fund Transfer Act and Regulation E.

What harm did this cause?

Unauthorized funds were removed from my account My account balance was reduced without authorization I incurred financial harm due to the withheld funds Navy Federal Credit Union failed to follow mandatory consumer protections required by law

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Loan Cabin Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX XXXX ) Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Female Is Wrongfully Demanding A Car Title From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX For XXXX USD. She Has Tried Several Times To Open A Civil Lawsuit In Which She Lacks Information Like Full Name, Social Security Number, Texas ID Number, Drivers License Number, And Bill Of Sale By Public Notary. She Has Done This From XX/XX/XXXX Through XX/XX/XXXX With Fake Civil Court Complaints Asking For A Vehicle Title In Which No Car Was Sold To Her Or Taken Away From Her By A XXXX  XXXX  In College Which Its Me XXXX XXXX XXXX XXXX. I Called XXXX XXXX, XXXX XXXX Coordinator From The XXXX XXXX Courthouse By Judge XXXX XXXX. XXXX XXXX That The Only XXXX XXXX XXXX Living At XXXX XXXX XXXX Are Me That's XXXX XXXX XXXX XXXX  And Never Had A Car In The Past 30 Years The Only Car I Owned I Paid In Cash. Then There's My Father, XXXX XXXX XXXX XXXX, That He Has Never Consented Or Gave Permission To Sale A Vehicle Under His Name. He Only Owns One Truck That My Mother, XXXX XXXX XXXX, Purchased For The Family in XXXX. XXXX XXXX Has Made False Court Orders Like Case Number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To XX/XX/XXXX, Clamming She Wants A Vehicle Title That Has Never Been Sold To Her. We Live Very Far Away From XXXX, Texas.... 

They Stated That XXXX XXXX XXXX XXXX XXXX XXXX, Case # XXXX, Wants A Title For A Vehicle At XXXX XXXX XXXX For A XXXX XXXX XXXX Failing To Provide Vehicle Info, Diverse License Of Seller, Bill Of Sale Claiming False Statements From XX/XX/XXXX Through XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We try to submit a modification packet every month, but the bank continues to decline by asking for a 6-month profit and loss statement, which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us, and we update the packet every month, and all they do is look for reasons to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-29 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:
AFFIDAVIT OF FACT UNAUTHORIZED INQUIRIES I, XXXX XXXX, hereby declare under penalty of perjury pursuant to 28 U.S.C. 1746, as follows : 1. I dispute all hard inquiries appearing on my credit report for which no written, electronic, or verbal authorization was provided.

2. Any inquiry lacking a permissible purpose violates 15 U.S.C. 1681b ( a ).

3. I demand strict proof of authorization for each disputed inquiry, including : o Original signed application o Method of consent o Date, time, and purpose of inquiry.

4. Automated verification systems ( including e-OSCAR ) do not satisfy reinvestigation requirements under 15 U.S.C. 1681i ( a ). 5. Any inquiry that can not be verified with documentary evidence mus
t be deleted immediately.

6. Continued reporting of unauthorized inquiries constitutes : o Inaccurate reporting ( 1681e ( b ) ) o Willful non-compliance ( 1681n ) o Negligent non-compliance ( 1681o )

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for failure to comply with 15 U.S.C. 1681i ( a ) ( 7 ) ( FCRA 611 Method of Verification ). 

After disputing inaccurate information on my TransUnion credit report on XX/XX/year>, I received a response stating that the information had been verified. However, TransUnion did not disclose : The method used to verify the information The name, address, and phone number of the entity that verified it Whether verification was conducted via automated systems or actual documentation The FCRA requires that, upon request, this information be provided to the consumer. TransUnions failure to do so violates the statute and raises serious concerns about whether a reasonable reinvestigation occurred. 

I am requesting that TransUnion be required to : XXXX. Provide the complete method of verification as mandated by FCRA 611 ( a ) ( 7 ), or 2. Remove the disputed tradelines due to noncompliance I respectfully request CFPB assistance in compelling TransUnion to comply with federal law and correct my consumer report accordingly.

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 2025-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-12-29 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / XXXX  / TransUnion ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : === INQ === XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is being filed due to JP Morgan XXXX ( XXXX  ) ongoing failure to comply with its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Equal Credit Opportunity Act ( ECOA ). 

On XX/XX/XXXX, Chase declined my credit card application. The Adverse Action Notice stated the reason for denial was a " previously closed deposit or credit account ''. This information is factually incorrect. I have never owned or been associated with the any account referenced by Chase. 

Chases Failure to Investigate : I submitted a formal dispute to Chase on XX/XX/XXXX via XXXX providing clear notice that they are relying on inaccurate data. Chase has failed to provide a substantive response or correct the error and separate the mixed file within the legally mandated timeframe, which constitutes a willful violation of the FCRA. 

Notice of Intent to Seek Damages : Chases negligence has caused me immediate financial harm, including an unnecessary hard inquiry on my credit report and the loss of access to credit based on false information. Please be advised that I am prepared to escalate this matter to a civil lawsuit to recover : Actual Damages for financial loss and emotional distress. 

Statutory Damages of up to {$1000.00} per violation. 

Punitive Damages for Chase 's willful non-compliance up to {>= $1,000,000} per violation. 

Attorneys Fees and Costs as provided under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NJ

Complaint narrative:
On XX/XX/year> I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXXXXXX inquiried on XX/XX/year> XXXX XXXX XXXXXXXX inquiried on XX/XX/year> XXXX inquiried XXXX XX/XX/year> XXXX XXXX inquiried on XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: OH

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ] [ XX/XX/year> ] To : Consumer Financial Protection Bureau XXXX : FCRA Violation - 15 U.S.C. 1681s-2 ( a ) Dear [ Creditor Namel, Dear Consumer Financial Protection Bureau ( CFPB ) I'm writing to dispute the accuracy of NELNET the information that has been furnished to the credit bureaus regarding account XXXX. The reported details appear to be inaccurate and incomplete, which violates your duty under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act. 
You are required by law to report accurate information and to correct or delete an data that's found to be fals or unverifiable. Please investigate this account and provide proof of accuracy or remove the item from all credit bureaus XXXX Sincerely [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
PLEASE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian XXXX XXXX XXXX XXXX, DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX, XXXX  XXXX XXXX XXXX. XXXX ( Application for Pro Hac Vice Admission Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX  DC XXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
my credit card got lost so I called capital one for a replacement and they cant seem to get past my identity process. I mailed in my identification to their fraud protection months ago and no one got back. I still cant access online services and they keep telling me to call someone and making me go through a process over time and time again

Company response to consumer: Closed with explanation