vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: NC

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 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The vehicle loan with Wells Fargo Bank , N.A . ( account number XXXX ) was paid in full XX/XX/XXXX The vehicle VIN is XXXX. 

Despite payoff more than two and a half years ago, Wells Fargo has failed to electronically release the lien on this Florida-titled vehicle. Florida Statute 319.27 ( 8 ) ( a ) requires electronic lien release within 10 days of payoff. Florida DHSMV does not accept paper lien release letters ; only the lienholder can complete the electronic release. 

Wells Fargo issued lien release letters dated XX/XX/XXXX, and XX/XX/XXXX ; however, neither resulted in an electronic release, and the lien remains active as of today. 

We have made multiple attempts to resolve this directly with Wells Fargo. We are now actively attempting to sell the vehicle and are unable to do so due to the unresolved lien, causing ongoing financial harm. 

We are requesting immediate electronic lien release and written confirmation of compliance.

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 2025-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person sha
ll 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Dear CFPB Representative, I am filing a complaint regarding Capital Ones inaccurate and misleading reporting of an account.

Inaccuracies Identified XXXX  and XXXX show the account as Paid, while XXXX  still reports it as Derogatory Date opened differs between bureaus High credit and limit are inconsistent Last reported dates vary drastically Payment histories contradict each other Remarks are not uniform and contain conflicting statements These errors materially impact my creditworthiness and violate FCRA requirements.

FCRA Violations 623 ( a ) ( 1 ) : Furnishing inaccurate information 607 ( b ) : Lack of maximum possible accuracy 611 : Failure to correct inaccuracies after dispute Requested Relief I request that the CFPB require Capital One to : Correct all inconsistencies Provide clear, verifiable documentation for each disputed data point Remove the account entirely if it can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
Someone stolen my card and withdrew funds Im having a hard time getting my money back from this card I file my despite already

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 2025-12-09 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 have three fraudulent charges on my XXXX and XXXX XXXX account. 

- XX/XX/2025 : {$41.00} - XX/XX/2025 : {$65.00} - XX/XX/2025 : {$81.00} Ive filed XXXX rounds of fraud and disputes with Navy Federal. Despite providing them with chats, emails, and screenshots from XXXX showing that the charges can not be found using my card information, they insist that Im responsible for them. I've asked for the summary report of the investigation and the failed to provide that. 

This is unfair. I did not authorize those charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: MO

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 2025-12-09 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: FL

Complaint narrative:
b'I am filing this formal complaint because multiple items appearing on my credit reports are inaccurate, unverified, and causing significant harm to me. I have repeatedly disputed these items with the credit bureaus, yet they continue to report incorrect information in violation of the Fair Credit Reporting Act (FCRA).\n\nBelow are the issues I need CFPB intervention on:\n\n1. Wrong / Fraudulent Addresses Reporting on My Credit Profile\n\nThe following addresses are not mine, and I have no association with them.\nTheir presence on my credit report indicates inaccurate reporting and potential identity misuseXXXX XXXX XXXX FL XXXX   Wrong AddressXXXX XXXX XXXX FL XXXX  Wrong Address\n\nI demand the immediate removal of these fraudulent and incorrect addresses from my credit file.\n\n2. Charge-Off & Collection Accounts I Have No Knowledge Of\n\nI have NO knowledge of the following charge-off or collection accounts. These accounts do not belong to me and must be deleted as unverified and inaccurate:XXXX XXXX   Charge-Off  Balance XXXX  Opened XXXX XXXX   Collection  Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Collection  High Balance XXXX XXXX XXXXThese accounts are not mine, and continued reporting violates FCRA Sections 602A, 607(B), and 609.\n\nI am requesting complete deletion of these accounts.\n\n3. Incorrect Late Payment Reporting (These Accounts ARE Mine but History is WRONG)\n\nI have never made any late payments on these accounts.\nThe reported late payments are FALSE and must be correctednot deletedbecause the account history is inaccurately reportedXXXX 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   Reported Late Payments\n\nThese inaccurate late-payment markings must be corrected to reflect on-time payment history, as required by FCRA Sections 604 and 611.\n\nRequested Action From CFPB\n\nI am requesting that the CFPB:\n\nInvestigate the credit bureaus and furnishers for inaccurate and unverified reporting.\n\nRequire immediate deletion of the charge-off and collection accounts I have no knowledge of.\n\nRequire correction of the falsely reported late payments.\n\nRequire removal of the fraudulent addresses on my credit profile.\n\nEnsure all reporting complies with FCRA accuracy and verification requirements.\n\nCertification\n\nI certify that all information stated in this complaint is true and accurate to the best of my knowledge.\n\nThank you for your assistance.'

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 2025-12-10 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC, which shows a balance of {$1400.00}, opened on XX/XX/year>, and associated with the original creditor XXXX XXXX XXXX XXXXXXXX. 

This collection account is inaccurate and should not be on my credit reports for the following reasons : 1. The original XXXXXXXX XXXX XXXX account was previously removed from my credit file as unverifiable. 
Because the original creditor could not validate or verify the debt, a debt buyer ( LVNV Funding ) can not legally report or collect on this account. Reporting a purchased debt that the original creditor could not validate violates FCRA 623 ( a ) ( 1 ). 
2. I have never received any validation notice from LVNV Funding, nor any documentation proving that this debt belongs to me or that they legally own it. 
They did not send the required FDCPA 1692g ( a ) validation letter within 5 days of acquiring the alleged debt. 
3. LVNV is reporting a brand-new open account even though I have no relationship or contract with this company. They have provided no proof of ownership, no signed agreement, and no application with my name or signature. 
4. Because the original tradeline was deleted as inaccurate, LVNVs continued reporting is misleading, harmful, and inconsistent with federal law. They are attempting to collect and report a debt they can not validate. 

This collection account is causing serious harm to my credit, and I dispute its validity in full. 

I am requesting the CFPBs assistance because LVNV Funding is reporting an account without any proof of ownership or consumer authorization, and after the original account was already deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit limit was reduced from {$11000.00} to {$5500.00}. The credit card claims to have sent me notification of adverse action. They did not send me anything. I was not given the opportunity to challenge and dispute the credit card intended adverse action. When I called they hung up on me. When I called again I was told they will need to run my credit to reinstate the old credit limit. I refused to run my credit again. Furthermore the credit card claims to have mailed me the letter of intent of adverse action. I never got any mail regarding this issue and ALL of my communication preferences with this credit card are electronic only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: PA

Complaint narrative:
I am extremely frustrated because inaccurate accounts are still appearing on my credit report, and they have not been taken off at all. I am begging for the documents I attached to be reviewed carefully so I can finally stop stressing about this nonstop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: NY

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 2025-12-10 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: PA

Complaint narrative:
I am extremely frustrated because unauthorized inquiries are still appearing on my credit report this morning, and I can not understand why. These unauthorized inquiries did not disappear even after I refreshed my browser. I need the documents I provided to be reviewed carefully so I can finally stop stressing about this issue.

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 2025-12-09 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: NC

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 non-monetary relief
Consumer complaint received 2025-12-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Last month I requested a consumers report for chex systems. I submitted a dispute letter and have no recieve any response. 

1. Violation of the Fair Credit Reporting Act ( FCRA ) primary and strongest federal claim. 
Key provisions to target : 15 U.S.C. 1681e ( b ) report must be prepared using reasonable procedures to assure maximum possible accuracy. 
15 U.S.C. 1681i duty to reinvestigate disputes and correct inaccuracies after notice from consumer or furnisher. 
15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) statutory damages, actual damages, punitive ( for willful ), attorneys fees. 
15 U.S.C. 1681j / 1681k duties to disclose certain information and to provide required notices ( as relevant ). 
Remedies : statutory damages ( if willful ), actual damages, punitive damages for willful violations, attorneys fees & costs, injunctive relief ( to fix reporting practices ), declaratory relief. 
2. Negligence ( state common law ) / Negligent Misrepresentation if FCRA alone doesnt cover certain harms ( emotional distress, loss of job, denial of bank account ), assert as alternative. Many plaintiffs plead both FCRA and state claims. 
3. Invasion of privacy / public disclosure of private facts if Chex disclosed confidential personal financial info beyond permissible scope. 
4. Defamation ( libel ) if Chex published false facts ( e.g., that you committed check fraud ) and the statements are provably false and caused damages. ( Typically harder vs. FCRA claim but possible. ) 5. Breach of statutory duties by furnisher if a bank or furnisher provided false data and didnt correct it after notice, consider claims against furnisher under 15 U.S.C . 1681s-2 ( but note 1681s-2 ( b ) claims are enforceable by government/ state or indirectly via FCRAs CRA duties ; you can still name furnishers for negligent or willful violations tied to your damages ).

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