vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-12-18 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: CAVALRY INVESTMENTS, LLC
State: PR

Complaint narrative:
Product : Credit Reporting Issue : Incorrect information ; failure to investigate ; unverifiable collection reporting. Complaint Narrative
Cavalry Portfolio Services is reporting a collection account originally attributed to XXXX XXXX  with a balance of {$750.00} on my XXXX  credit file. Despite dispute, no competent evidence has been provided establishing lawful ownership, authority to collect, or a complete itemized accounting. XXXX  has failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i and has continued reporting in violation of 1681e ( b ).

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted. Continued reporting also violates 15 U.S.C. 1692g ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Product : Credit Reporting Issue : Incorrect information on credit report ; failure to investigate ; unverifiable charge-off reporting.

Complaint Narrative XXXX XXXX is reporting a charged-off credit card account with a balance of {$1400.00} that is inaccurate, incomplete, and unverifiable. Despite dispute, XXXX has failed to provide competent documentary evidence of a legally enforceable obligation or a complete itemized accounting validating the balance. The account continues to be updated after charge-off, materially misrepresenting its status. 
XXXX  and XXXX have failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and have continued reporting in violation of 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to open a new checking account with a local bank in my area. I went in person and as I tried to open the account, the banker informed me that I had a hold placed on my history due to an outstanding debt with US Bank. I was never notified of this outstanding debt with US Bank ; no email, phone call, text. I then received a notice from XXXX XXXX XXXX XXXX on XX/XX/year> alerting me of this outstanding debt due. I was given a deadline of XX/XX/year> to dispute this charge. I received the physical notice after this date ; I am not sure if the notice was mailed late or if I simply did not receive the paper notice until after the anticipated date of dispute. I am now submitting a complaint about this outstanding debt with US Bank that is preventing me from opening a checking account with any other bank.

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 2025-12-18 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: AZ

Complaint narrative:
I am a verified victim of identity theft and fraud. I submitted a request to TransUnion to block fraudulent information on my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ).

I provided proof of identity theft, including : A police report for identity theft Identification of the specific fraudulent accounts and inquiries A statement affirming that the accounts are not mine Under FCRA 605B, TransUnion is legally required to block the fraudulent information within four ( 4 ) business days of receiving this documentation.

Despite this, TransUnion failed to place the required block within the 4-day timeframe and instead stated that the activity was mine, even though I have repeatedly proven that it was not. I have previously reported this fraud to TransUnion years ago, and the fraudulent information continues to reappear or remain on my credit report.

TransUnions actions violate federal law by : Failing to block identity-theft-related information as required Continuing to report inaccurate information after receiving a valid identity theft report Placing the burden on me to prove fraud repeatedly despite clear documentation I am requesting immediate enforcement of my rights under the FCRA and removal/blocking of all fraudulent information related to this identity theft.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
i can't open any bank account as now it's been a while since I had one, I do not owe any debt to XXXX XXXX or Webster bank, I lost my phone a week after I opend the account and that's all, I have nothing to do with that debt I need to be able to re open a bank account please contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have disputed the following accounts more than three times and they still dont perform the right investigation and today my credit is still affected for lack of proper Investigation. These are the accounts that I have reported as not mine. 
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

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 2025-12-18 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 The following charged-off accounts are being reported on my TransUnion credit report, and I dispute their accuracy : XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX XXXX  Account number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} I request that these accounts be verified or deleted from my credit report if they can not be substantiated.

Unauthorized / Unverifiable Inquiries At this time, there are no inquiries listed for dispute under TransUnion.

Late Payment Reporting The following accounts are reporting late payments that I dispute : XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX  Account number : XXXX XXXX  Account number : XXXX XXXX Account number : 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 2025-12-18 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: LEXISNEXIS
State: TX

Complaint narrative:
LexisNexis Risk Solutions Inc. has engaged in a sustained pattern of obstruction, mischaracterization, and willful noncompliance with the Fair Credit Reporting Act after receiving repeated notice that I am a documented victim of identity theft.

I submitted multiple identity-theft block requests supported by FTC Identity Theft Reports, government identification, and verified proof of address. These submissions expressly invoked 15 U.S.C. 1681c-2 ( a ) ( FCRA 605B ), which requires mandatory blocking of identity-theft information within four business days. LexisNexis did not perform the required block.

Instead, LexisNexis continued to verify, publish, and resell identity-theft-derived information, including an unverified bankruptcy and multiple fraudulent address variants. This includes all variants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and all variants of XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. These identifiers were disputed repeatedly over many months and should have been permanently blocked and suppressed long ago. 

LexisNexis improperly relied on internal identification records and XXXX  to claim verification, despite XXXX not being a furnisher and despite written notice that my identifiers are compromised. Verification using contaminated identifiers after an identity-theft report is unlawful.

LexisNexis has also refused to accept my certified mail dispute packets, returning them marked BOX CLOSED / UNABLE TO FORWARD/ RETURN TO SENDER and labeling them non-processable, even though they were properly addressed. At the same time, LexisNexis accepted the same disputes when transmitted through the CFPB portal. This demonstrates intentional refusal to process lawful disputes and deliberate evasion of statutory obligations.

Further, LexisNexis repeatedly opened and transmitted ordinary consumer disputes with XXXX, XXXX, and XXXX  on my behalf without my authorization. I never requested standard reinvestigations under 1681i. My submissions were identity-theft block requests under 1681c-2 ( a ). LexisNexiss unauthorized recharacterization of my disputes has interfered with and caused the denial of my mandatory identity-theft blocks, allowing the fraudulent data to remain published.

LexisNexis has also failed to provide a single, clear, and complete full consumer file disclosure under 15 U.S.C. 1681g ( a ), instead issuing fragmented and incomplete disclosures while continuing to maintain and distribute additional undisclosed data internally and to third parties.

Despite repeated notice, CFPB transmissions, and a final pre-suit opportunity-to-cure notice, LexisNexis continues this conduct . The violations are ongoing, deliberate, and willful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
American Credit Acceptance , LLC ( ACA ) serviced my auto loan for a period of time. After a repossession of my vehicle on XX/XX/year>, I requested a complete payment history, servicing records, and documentation showing loan ownership, assignments, and repossession authority. 

ACA representatives have told me that the requested records are no longer available because the account was bought back or transferred, and that ACA does not retain account records after that process. I have been informed that ACA no longer has access to account records once a buyback occurs. 

ACA has not provided documentation explaining when records were deleted, what records were retained or transferred, or to whom any records were transferred. 

As a result, I have been unable to obtain basic information necessary to understand my loan history, verify account accuracy, or determine who had authority over the loan and repossession activity at the relevant time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
b'I am submitting a formal complaint against Chase Bank / JPMorgan Chase Bank for breach of contract. Here are the details: I received an offer for a balance transfer with a 5% fee, which I accepted and submitted on XXXX XXXX XXXX The request was approved, and my account reflected a new balance of XXXX  plus XXXX (the 5% fee). According to their process, the transaction was finalized on XXXX XXXX. However, the issue is that my other financial institution (XXXX XXXX XXXX XXXX)where the balance was supposed to be transferred fromstill shows the original amount unpaid. It has now been over a month. I have called Chase Bank three times, yet the problem remains unresolved. As a result, not only have I been charged the XXXX fee and made payments to Chase Bank, but my credit score has dropped significantly because it now shows two large balances at two different banks.\n\nAccount Number: XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One Auto Finance repossessed my vehicle without providing legally required notice, without a right-to-cure opportunity, and during an active dispute. 

I moved from the address originally listed on the loan and notified Capital One multiple times of my address change. Despite this, Capital One failed to update its records and sent any alleged notices to an address it knew, or should have known, was no longer valid. As a result, I did not receive a notice of default, right-to-cure notice, pre-repossession notice, or post-repossession notice. 

At the time of repossession, I was actively disputing the loan and its enforcement. Capital One nevertheless proceeded with repossession without addressing the dispute. 

During later communications, Capital One representatives stated that I had already paid the majority of the loan. Capital Ones own figures reflect approximately {$10000.00} in principal, {$6400.00} in total interest, and an alleged remaining balance of approximately {$3900.00}. Despite this substantial payment history, Capital One enforced repossession without proper notice. 

When I attempted to pursue a fraud or dispute review, Capital One misclassified my consumer fraud complaint as identity theft and sent identity-theft/fictitious-account affidavits, even though I clearly stated this was not an identity theft claim. I was told this was the only fraud process available, and I was directed to a fraud department phone number and extension that was not active. 

Capital One representatives also stated they could not communicate further due to a cease and desist, even though I was requesting communication solely for dispute resolution, not debt collection. This effectively blocked any meaningful dispute process while enforcement continued. 

Capital One has failed to provide a lawful process to resolve a non-identity-theft consumer fraud dispute, failed to provide required notices, and wrongfully repossessed my vehicle. 

I am seeking review of Capital One Auto Finances repossession practices, notice failures, refusal to engage in dispute resolution, and unfair and abusive conduct. 

This conduct is recorded via voice recordings and can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian report. These items appear to be inaccurate and need to be reviewed and corrected. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}

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 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following accounts listed with Experian. Please review the information and make the necessary corrections or deletions. 

CHARGED OFF : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} INQUIRIES : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX  XXXX, Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX LATE PAYMENT : XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This letter is being sent in response to your reporting and/or collection activity regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request full validation of this alleged debt. 

Please provide the following documentation : Proof that Portfolio Recovery Association, LLC has the legal authority to collect on this account, including a complete chain of assignment from the original creditor. 

A copy of the original signed contract or agreement bearing my signature. 

A complete payment history showing how the alleged balance was calculated. 

Verification of the date of default and the date the account was charged off. 

Proof that the statute of limitations has not expired. 

Evidence that this debt has not been paid, settled, or otherwise discharged. 

Documentation that all required disclosures were provided at account origination, as required by applicable federal law. 

Until this information is provided, you must cease all collection activity, including credit reporting, as required by the FDCPA. 

If you are unable to provide the requested documentation, I demand that you immediately cease reporting this account to all consumer reporting agencies and consider the matter closed. 

This request is not an acknowledgment of liability or an admission of responsibility for this debt.

Company response to consumer: Closed with non-monetary relief