vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint against all three credit bureaus for repeatedly reporting inaccurate information and falsely marking several negative items as verified without providing proper documentation. 
These items include : Multiple late-payment accounts ( XXXX XXXX XXXX XXXX XXXX, and XXXX  ) XXXX repossession ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) It has now been well over XXXX  days closer to XXXX since I mailed my disputes certified, and none of the bureaus have provided a single piece of legitimate verification. 
Instead, Ive received : Automated letters saying the account was verified Copies of my own credit reports ( which I already have ) Notices claiming you have a third party working on your credit Statements implying that I filed for identity theft which I never did None of those responses meet the legal definition of verification under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ) or satisfy Metro 2 Compliance Standards.Since the credit bureaus apparently dont understand the law, let me explain : Under FCRA 611 ( a ) ( 1 ) ( A ), a credit bureau must conduct a reasonable investigation using actual documentation from the furnisher not rely on automated data matching ( ACDV ). Under FCRA 623 ( b ), furnishers must review all relevant information provided by the consumer. 
Heres what proper verification looks like for each type of account : Late payments : The creditor must provide proof of payment receipt, such as bank or posting statements showing the exact date the payment was received and applied. Anything else is hearsay. 
Charge-offs : The creditor must provide the full payment ledger, monthly statements leading into default, the default/acceleration notice, and the charge-off calculation showing how the balance was derived. 
Repossessions : The furnisher must provide the contract, payment history, default notice, repossession order, auction/sale paperwork, and deficiency balance breakdown. 
If none of that exists or cant be produced, the item can not be verified and must be deleted.

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 2025-11-13 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: TX

Complaint narrative:
I am filing a formal complaint against all three credit bureaus for repeatedly reporting inaccurate information and falsely marking several negative items as verified without providing proper documentation. 
These items include : Multiple late-payment accounts ( XXXX XXXX XXXX XXXX XXXX, and XXXX  ) XXXX repossession ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) It has now been well over XXXX  days closer to XXXX since I mailed my disputes certified, and none of the bureaus have provided a single piece of legitimate verification. 
Instead, Ive received : Automated letters saying the account was verified Copies of my own credit reports ( which I already have ) Notices claiming you have a third party working on your credit Statements implying that I filed for identity theft which I never did None of those responses meet the legal definition of verification under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ) ) or satisfy Metro 2 Compliance Standards.Since the credit bureaus apparently dont understand the law, let me explain : Under FCRA 611 ( a ) ( 1 ) ( A ), a credit bureau must conduct a reasonable investigation using actual documentation from the furnisher not rely on automated data matching ( ACDV ). Under FCRA 623 ( b ), furnishers must review all relevant information provided by the consumer. 
Heres what proper verification looks like for each type of account : Late payments : The creditor must provide proof of payment receipt, such as bank or posting statements showing the exact date the payment was received and applied. Anything else is hearsay. 
Charge-offs : The creditor must provide the full payment ledger, monthly statements leading into default, the default/acceleration notice, and the charge-off calculation showing how the balance was derived. 
Repossessions : The furnisher must provide the contract, payment history, default notice, repossession order, auction/sale paperwork, and deficiency balance breakdown. 
If none of that exists or cant be produced, the item can not be verified and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: WA

Complaint narrative:
I am submitting this follow-up to formally dispute inaccurate personal information appearing on my consumer file and to request that my file be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

The addresses currently reported that do not belong to me include XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The correct address to be added and updated on my file is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Additionally, my name is inaccurately reported as XXXX XXXX. The correct name to be reflected on my file is XXXX XXXX XXXX. These inaccuracies are causing confusion and are not representative of my current or prior personal information to my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am submitting this follow-up to formally dispute inaccurate personal information appearing on my consumer file and to request that my file be corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). 

The addresses currently reported that do not belong to me include XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX ; and XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The correct address to be added and updated on my file is XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Additionally, my name is inaccurately reported as XXXX XXXX. The correct name to be reflected on my file is XXXX XXXX XXXX. These inaccuracies are causing confusion and are not representative of my current or prior personal information to my knowledge.

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 2025-11-13 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: TX

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 explanation
Consumer complaint received 2025-11-13 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: Tesla, Inc.
State: NJ

Complaint narrative:
i dont recognize the inquiries under my name on some accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a charge on my Capital One account because I paid for a product/service that I never received. Capital One denied my claim without contacting me or providing any explanation. When I called, a supervisor said the denial was because I signed a contract and therefore had authorization, even though the product/service was never delivered. This reasoning ignores my rights under the Fair Credit Billing Act, which protects consumers from billing errors when goods or services are not received.Capital One then told me to wait for an email, which reflects further stalling after already denying my claim without contact. This handling is unprofessional. I requested that Capital One provide an email explaining the reason for their denial. To date, they have not provided this documentation, despite telling me to wait for it.

This reflects stalling and incompetence in their dispute resolution process.

Capital One failed to follow proper dispute resolution procedures, ignored card network rules requiring merchants to provide proof of delivery, and denied my claim without evidence. I am in a tough financial spot, and their refusal to act on clear fraud has left me waiting unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that XXXX XXXX XXXX XXXX XXXX  has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt response.XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I have been emailing XXXX since XX/XX/year> I explained the following. 

I am requesting the immediate cancellation of my XXXX XXXX XXXX membership due to severe financial hardship. I am currently unable to afford basic necessities, including food for my children, and continuing membership payments would create an undue burden. 

Please consider this a formal notice of cancellation and hardship appeal. I am asking that any termination or remaining balance fees be waived based on my financial situation. 

Unfortunately the email address is inaccurate. However Ive also mailed the letter to XXXX XXXX XXXX, XXXX, TX XXXX, XXXX. 

No one has responded and they continue to take money from my account. Any information would be greatly appreciated thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Self Financial Inc.
State: NC

Complaint narrative:
The problem occurred when XXXXXXXX XXXX broke the law by accessing funds out of my personal account without any approval or consent from me. IT WAS UNLAWFUL UNAUTHORIZED AND UNVERIFIED EACH FRAUD CASES I WON IN MY FAVOR AND I WAS TOLD DIRECTLY BY SUPERVISOR THAT AFTER THE INVESTIGATION, MY CREDIT CARD WOULD BE BACK IN GOOD STANDARDS AND THE XXXX {$39.00} WITHDRAWALS WOULD BE REIMBURSED AS WELL AS {$30.00} THAT THEY PREVIOUSLY OWED ME FROM A {$45.00} TRANSACTION THEY ONLY REIMBURSE ME WITH {$15.00} OF THAT. This is caused significant bad damage to my credit, and I have all the proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: SC

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 explanation
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MN

Complaint narrative:
Company has been calling me excessively about the XXXX XXXX I owed. Made a payment and owe XXXX XXXX  and getting excessive calls multiple times a day as late as XXXX which is after their office hours. Getting calls from multiple offices through the state as well not just the one I received my loan from. I get calls XXXX times a day, up to XXXX. This is getting ridiculous and crazy. I am paying but due to the amount of calls I'm refusing to call back because it's causing anxiety and I find it bad business to call this much. This has been going on for weeks. I've even gotten calls on the weekend. This needs to stop. This is harassment at this point. I have XXXX assistant and can see what they say and I've heard not nice things

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I requested complete FDCPA validation and FCRA verification records : original creditor contract, payment ledger, itemized statement of charges, and assignment/ownership records. None of those have been sent after multiple requests. 
I've disputed National Credit Systems collection for {$360.00}, its been over 60 days since my certified dispute, and Ive received no validation documents. All three bureaus show conflicting data again XXXX lists Date of Last Activity as XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The account is closed on XXXX  but still open on XXXX These conflicts violate FCRA 607 ( b ), 623 ( a ) ( b ) and XXXX XXXX accuracy requirements. 
No collector has produced the required proof of debt. Sending me a credit report or claiming a third party works on my credit is not proof. If you understood the law, you would know that validation means actual documents, not generic letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> there were 2 unauthorized transactions made on my Sofi Checking and Savings account. There was an unauthorized transfer of {$10000.00} from my savings account to my checking account. The second unauthorized transaction was a bill payment of {$5000.00} to a XXXX XXXX XXXX credit account that did not belong to me. 

On XX/XX/year> I called Sofi to informed them my account had been hacked and there were unauthorized transactions made on my behalf. They took my information and informed me I should call XXXX XXXXXXXX XXXX to receive back the funds. I called XXXX XXXX XXXXXXXX and provided them the credit account number and was informed by the representative they were unable to discuss an account that did not belong to me and was unsuccessful in obtaining my funds. They told me to call Sofi and have them reach out to XXXX XXXX  XXXX directly to discuss this matter. 

On this same day I called back to Sofi and explained to them what the XXXX XXXXXXXX XXXX representative had told me. The Sofi representative open up a ticket to my claim and informed me Sofi will send an email with their findings within 10 days. I never received that email and Sofi failed to informed me of their findings in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I regularly review my credit report because maintaining a good credit score is very important to me. However, I keep seeing inaccurate and false information appearing repeatedly, even after bringing it up multiple times. This ongoing issue has not been fixed and continues to cause me immense stress and frustration. Its unfairly damaging my credit score and affecting my life in ways that have become exhausting to deal with.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
The Citi account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

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 2025-11-13 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: CO

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