vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nav Technologies, Inc.
State: DE

Complaint narrative:
My account is XXXX XXXX XXXXXXXX which had been a Nav XXXX XXXX memebership yet.According to its terms, it does include insights from XXXX  personal credit scores and alerts.But Im still not seeing my XXXX  personal credit scores and alerts.They told me I needed to wait for a call back from XXXX to complete identity verification before I could get my credit score, but I never received a call back. So on XX/XX/XXXX, I proactively called the number and completed the identity verification over the phone. However, I still can not find my XXXX credit score when I log into my Nav account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I dispute this account because it does not belong to me and is being reported in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am disputing unverified, inaccurate, and harmful reporting of closed accounts.

Under FCRA 609 ( a ) ( 1 ) I requested method of verification from the credit bureaus and furnishers.

No original signed contract, wet-ink signature, or authenticated accounting records were provided to prove the accuracy of the reporting.

Under FCRA 611 ( a ) ( 1 ) ( A ), when information can not be verified, the CRA must delete the account.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information that can not be verified. 

I am requesting immediate deletion of the following accounts due to failure to verify : CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are closed, not active, and all reporting must be accurate and verifiable. 
Because verification was not provided, the accounts must be deleted under FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The company Goldman Sachs states I applied for the card on XX/XX/XXXX, which I did not. It came in the mail, and I ask them why they are sending me a card. Goldman Sachs Apple card service I called and ask information ; they gave me a wrong number to report to XXXX  then told me to make a report with XXXX  and send them a copy. I found the right number for XXXX XXXX and spoke to them, they told me to report here ( CFPB ) and to request the XXXX XXXX XXXX submit a letter of delusion to remove the inquiry and card off my credit report and to send it to XXXX. Goldman Sachs refused and told me they would investigate and get back to me within XXXX weeks. I also made a police report with my hometown police department. XXXX, FL XXXX. The police report case number is XXXX. XXXX  told me to make a police report and froze my account. The card arrived XX/XX/year>, by USPS in my mailbox. I XXXX made a police report on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
Huntington bank for my auto loan and XXXX XXXX for 2 credit cards are reporting late payments that are incorrect. The auto lender confirmed my payment was made on time and admitted the late report was their error. XXXX XXXX told me to dispute the account. The missed payments for XXXX XXXXXXXX are from XXXX XXXX XXXX XXXX XXXX I have proof that payments were being made and I called and they confirmed that I did make the payments These false late payments are preventing me, a 100 % XXXX veteran, from purchasing a home using a VA loan. 

I am requesting that the inaccurate late payments be removed and corrected with all XXXX bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
the notation " FCBA Dispute resolved - consumer disagrees '' appears on my Credit Report. 

Please remove as dispute happened more than 2 years ago and was resolved in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK
State: HI

Complaint narrative:
the notation " FCBA Dispute resolved - consumer disagrees '' appears on my Credit Report. 

Please remove as dispute happened more than 2 years ago and was resolved in my favor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: NY

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! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
Beginning approximately XXXX  days ago, my account was frozen. Since that time, I have been completely locked out of my account and unable to access my funds. When I call Ally Bank customer service, I am required to pass " out-of-pocket '' security questions before speaking with any representative. I have been unable to pass these security questions, and as a result, can not even speak with a customer service representative to resolve the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CBC Companies, Inc.
State: KY

Complaint narrative:
Dear Sir or Madam, I am writing to dispute the reporting of a charge-off account that appears on my credit report. The information is inaccurate and incomplete, and therefore must be investigated and corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ) 602 and 611.

The account in question is : 6336 Reason for Dispute Upon reviewing my credit file, I identified the following inaccuracies : The charge-off information is not being reported accurately.

Certain required details are incomplete or unverifiable.

The reporting does not match my records and may violate FCRA accuracy and verification requirements.

Because the information is inaccurate and can not be verified as required under FCRA 611, I am requesting a full investigation and either : Correction of the inaccurate information, or Deletion of the charge-off from my credit report if it can not be fully verified.

Requested Action Please conduct a complete investigation into this account. If the furnisher can not provide full documentation proving the accuracy of the charge-off reporting, I request the immediate deletion of the entry from my credit file. 

Please provide me with the investigation results in writing. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CT

Complaint narrative:
Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX  XXXX XXXX XXXX DATE OPENED XX/XX/year> BALANCE {$8700.00} This account is the result of identity theft and all the information reported in here are all erroneous and fraudulent. Please block this account in my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I am reporting an unauthorized charge of {$500.00} made on XX/XX/year> to XXXX processed via XXXX using a XXXX. The transaction ID is XXXX. 
I did not authorize this purchase and have not received any goods or services in return. I attempted to resolve the issue through XXXX and the merchant, but the charge remains unresolved. 
I am requesting CFPB assistance to investigate this unauthorized transaction and ensure that the funds are returned and proper safeguards are enforced to prevent future incidents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
validation of these accounts, please remove inaccruate information asap!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: MD

Complaint narrative:
In XX/XX/XXXX, I opened a secured installment loan through XXXX XXXX XXXX for {$120.00}. The account was later marked Paid from collateral, yet it still appears on my Equifax credit report as Derogatory XXXX  days late. 

The account details listed on my Equifax report are inconsistent : Original Balance : {$120.00} Current Balance : {$0.00} Status : XXXX  days late Remarks : Account paid from collateral A loan marked paid from collateral can not lawfully continue reporting as derogatory or late. This is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines. 

On XX/XX/XXXX, I disputed this tradeline with all credit bureaus, requesting the original signed agreement, payment record, and proof of Metro 2 coding accuracy. 
Equifax responded only with the notation : Account information disputed by consumer, meets FCRA requirements. 

This statement is a generic response and does not show that a proper reinvestigation occurred or that XXXX XXXX XXXX provided supporting documentation. 

These failures violate the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) Duty to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnishers obligation to properly verify disputed data Because the account has a XXXX balance and was paid through collateral, it should not continue to report as derogatory or late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A collection from Credence Resource Management is being reported without any proof that I agreed for them to have access to or handle my personal information. I was not notified by the original creditor that my information would be shared or assigned to this company, and I never received a proper validation notice as required under the Fair Debt Collection Practices Act. Reporting an account without full and lawful verification violates 15 U.S.C. 1681s-2 ( b ) and 1692g, as well as the reinvestigation procedures outlined in 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
A family member took out the loan in XXXX behind my back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NE

Complaint narrative:
I filed a dispute with Equifax on XX/XX/year> ( CFPB complaint # XXXX ). Equifax responded on XX/XX/year> claiming several tradelines were verified, but produced no original source documentation, signed contract, chain of title, or any competent evidence linking me to these accounts. Equifax deleted only one account ( XXXX XXXX XXXX ) and left multiple tradelines intact despite my express demand for original wet-signed documentation under 15 U.S.C. 1681i. 

Equifaxs response indicates it relied on furnisher confirmations or automated data checks rather than producing documentation that would lawfully verify the accounts. Reliance on electronic confirmations without production of the underlying signed instruments is not sufficient to satisfy the FCRAs verification requirement. I therefore assert that Equifax failed to perform a reasonable reinvestigation in violation of 15 U.S.C. 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems LLC is reporting a collection account that I never authorized. I have not seen or signed any agreement granting this company access to my private financial information. The original creditor did not notify me of any transfer or sale of this account, and Jefferson Capital Systems has failed to send me a lawful validation that complies with FDCPA and FCRA standards. Without proper verification, this reporting is inaccurate under 15 U.S.C. 1681e ( b ) and 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am disputing an alleged apartment lease debt ( {$5000.00} ) that IQ Data XXXX is attempting to collect and report on behalf of XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
This account is tied to a prior apartment lease that ended early when I relocated to my newly purchased home. I did not owe unpaid rentthe landlord is attempting to collect the entire remaining lease balance after early termination. 
I provided documentation showing I paid rent through my final month and proof of my home purchase and move-out that same month. IQ Data has failed to provide a signed lease, rent ledger, or itemized balance but continues to report the account as verified. 
I filed disputes with XXXX XXXX, and XXXX  in XX/XX/XXXX and mailed multiple validation requests ( XX/XX/XXXX, XXXX XXXX ). XXXX  disputes returned Verified, no change even though no validation was received. 
I request CFPB review and intervention to ensure IQ Data ceases collection and deletes or corrects this account until full validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
This company AFFIRM refused to show me proof what was ordered and the signature and how payments was sent. I never made a payment to this account because this account was not set up by me. I never had AFFIRM, and they're holding me responsible for someone else debt. Also the apartment unit this was delivered at I never lived at and I have proof. I'm in the process of contacting my State of attorney of Connecticut office alone with a Police report and XXXX XXXX XXXX on this serious matter, refused to send me the paper work of my signature and payment history along with bank information I can match it and see who it belong to. They have tarnished my credit for the past three years which is very unfair to me, I will no longer stand up and taken it any longer. I don't have any proof of anything because I have no paper work or bank information because this is not me not my account and they holding me accountable.This account was setup by someone else. And I feel that they're doing Unfair debt practice where I request information about this debt and received nothing. I demand to know why my information was used also my information was in several DATA BREACHES from XXXX and XXXX  and XXXX XXXX data where my social security driver license number full address and other personal information around that time which I also will be providing a copy to the XXXX XXXX XXXX XXXX XXXX Please verify the correct address merchandise was delivered to if not I demand that you stop try to collect this debt which I find that they're violating the FCRA LAW.The account in question is Affirm # XXXX AFFIRM # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I am filing this complaint because Equifax has verified a {$21000.00} collection account reported by XXXX XXXX XXXX that is both factually and legally invalid. 

The alleged balance originates from a constructive eviction at an apartment complex in XXXX XXXX, XXXX. The landlord breached the lease by failing to maintain habitable conditions, denying access to common areas, and ignoring multiple maintenance and safety complaints. As a result, we were forced to vacate the property, a situation that legally terminates any rental obligations under landlordtenant law. 

Despite this, the propertys management referred a fabricated amount of {$21000.00} to XXXX XXXX XXXX, who reported it as a collection account. No contract, ledger, or invoice has ever been provided to explain or substantiate this amount. 

The reported balance of {$21000.00} is implausible and unsubstantiated. No ledger, invoice, or record explains how this amount was calculated, and there is no documentation supporting any such debt. Additionally, the landlord initially demanded {$7800.00}, which we formally disputed in writing on XX/XX/year> ( see attachment " XXXX '' ). The later claim of {$21000.00} now reported to Equifax is inconsistent, unsupported, and arbitrary. 

Furthermore, under the legal doctrine of constructive eviction, the landlords breach of habitability and failure to provide access terminated any lease obligations. Therefore, even if a lease once existed, no rent or damages can be legally claimed after the date of constructive eviction. 

By verifying this unverifiable and legally void debt, Equifax failed to meet the standards of a reasonable reinvestigation required by FCRA 611 ( a ). They closed my dispute ( # XXXX ) as verified as reported without obtaining documentary proof from the furnisher, relying solely on an electronic confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief