vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
I submitted a timely Validation of Debt request to CAVALRY PORTFOLIO SERVICES regarding Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  for the alleged balance of {$920.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, CAVALRY PORTFOLIO SERVICES failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
After carefully reviewing my Equifax consumer credit report, I identified multiple accounts being collected, maintained, and reported without my written authorization and without any lawful permissible purpose. At no time did I provide Equifax with verbal or written instructions to include these accounts on my credit file. Despite this lack of authorization, Equifax continues to report the accounts and disclose my personal consumer information to third parties. I submitted formal disputes to Equifax requesting a reinvestigation and specifically asked for proof of written authorization or other documentation establishing a permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Equifax failed to provide any written authorization, validation, or competent evidence demonstrating that these accounts were reported lawfully or accurately. In addition, several of the disputed accounts reflect inflated balances, high balances, and charge-off amounts that include improper, excessive, or unauthorized fees, resulting in materially inaccurate and misleading reporting. By continuing to publish this information without verification or correction, Equifax has failed to follow reasonable procedures to assure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) and has furnished consumer reports without a permissible purpose in violation of 15 U.S.C. 1681b. These reporting errors have negatively affected my credit profile and exposed me to ongoing financial harm.

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I recently took a hardship loan from my XXXX for financial hardship. I paid for expedited shipping on the check. Upon arrival I attempted to make the deposit VIA mobile check deposit and was told the check would take over 10 days to become available. After looking online I learned if I made the deposit through ATM or in person I would receive a partial amount to be available and the rest would become available the next day. The next day came and instead of my money being there my account was over drafted for the amount I spent with a hold on the account for the check amount. I called US bank to inquire about this issue and they told me I would need to visit a branch and have it resolved. Between the call and time before I could go to branch due to closure I received 2 direct deposits into my account of which only covered the over draft amount. So now I have no access to the check nor my money deposited separately. Once visiting the branch they couldnt help either. They told me to call the fraud department. I called the fraud department and they refused to help. They had no compassion behind the fact that a check taken in hardship was being held. They didnt care that money into my account AFTER the check was being held. They never should have made the money available just to take it back the way next day. I am disturbed.

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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account No. XXXX, XXXX XXXX XXXX XXXX. I files this claim in CFPB agency to report loan account issues with Capital One Auto Finance XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX. 
Capital One Autofinance does not apply payments correctly in my loan account. After conversation with them to update my account, on XX/XX/XXXX, I made XXXX payments, XXXX missing or behind they found in my account and also paid XXXX XXXX. Continues until today date, doing all my payments on time. However, XXXX continues asking me for late payments. On XX/XX/XXXX requested for the second time a transaction history report, then it shown the payment for XXXX month XXXX applied to the principal, and they did the same on XXXX month XXXX when the monthly payments was sent on XX/XX/XXXX, XXXX they apply payment to the principal of the account instead of cover monthly payments. Subsequently, Capital One kept my account behind and late for months, they are asking for more payments, staying pending those already done. Based on my monthly income, I can not afford to pay more than XXXX time per month, based on my income. In addition, XXXX affects my credit score report. 
Thanks to CFPB in advance, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
In XX/XX/year>, my property was sold through an HOA foreclosure. I was ordered to move out on XX/XX/year>, following a court hearing on XX/XX/year>. The purchaser promised to pay off my VA loan, and I temporarily authorized the loans mailing address to their business address. 
Despite this, the mortgage has not been paid off, and I received no payoff confirmation, accounting, or notices from the servicer ( NewRez / Shellpoint ). The loan continues to be reported as active and delinquent on my credit report, even though the property was sold and is now rented by the new owner. 
The loan was previously serviced by Caliber Home Loans and transferred to NewRez / Shellpoint. I am disputing their failure to properly process the payoff, provide post-sale accounting, communicate required notices, and report the loan 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an established Relationship with Fifth Third Bank for over XXXX  months and made full use of many of their services as they were my primary bank. I was an employee of Fifth Third Bank which established this relationship. I recently quit my job and while searching for a new job I got scammed and made a single fraudulent check deposit which the bank was able to detect and flag the same day. Despite their ability to detect something so quickly, and despite my provision to the bank with email evidence of the job offer scam and the origin of the check. Fifth Third bank is deciding to blacklist me from their financial services for my " fraud risk ''. That conclusion is an unfair overreaction based on my relationship, the bank was able to detect the authenticity of the check immediately, they are not put at risk by regular people trying to make money in this awfully big world.

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: CA

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

Company response to consumer: Closed with 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I discovered multiple credit inquiries that were made without my authorization. These inquiries were conducted by several companies on various dates, including inquiries in XXXX and XXXX, even though I had not initiated any transactions or applied for credit with these companies. I submitted disputes to the credit reporting agency requesting verification of these inquiries, but they failed to provide evidence of written authorization or a lawful permissible purpose under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ( a ) ( 2 ) ). The reporting of these unauthorized inquiries represents a violation of my rights and an improper use of my personal information. I am requesting that all inquiries that can not be verified or lack a lawful permissible purpose be removed from my credit report, and that I be provided with an updated report reflecting these corrections.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$900.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$10000.00} Inquiries : 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
Promised certain things from XXXX and XXXX XXXX and never received it after graduation. Job placement after graduation is the first and most important promise that was made. Just had XXXX of my grandchildren placed in my home and will never be able to pay off

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, Balance : {$17000.00} Inquiries : XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have made several complaints and NO resolve. I have satisfied the company 's response by mailing verifying information to Transunion, along with the request that my account continues to be unfrozen, fraud alerts removed and my personal information change fraudulently, which leads to hard inquiries and credit apps completed fraudulently. This is an ONGOING issue with Transunion since XX/XX/XXXX but has gotten increasingly worse as months gone on, averaging fraudulent activity as above mentioned XXXX monthly. I have requested a password/pin # or anything to improve the security of my credit report ( since the fraudsters have gotten my credit report and have my information, they are able to answer the online and phone verification process as well. I have requested by phone and in writing ( XXXX in writing in XX/XX/XXXX ), to keep my fraud alerts on, my freeze enabled and no changes to my personal information. Their response is that I have requested this information to be changed, which is untrue, I have notified them several times of the identity theft and provided a copy of my identify theft passport issued by the Attorney General XXXXs Office. Transunion is unable to keep my personal information and credit report secure and this is causing a great deal of stress, breaches in data and time. I WANT BETTER security so that this fraud will end and my information is protected. I also pay for their monthly monitoring services which has done nothing!!!

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