vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates XXXX XXXX XXXX  VA XXXX From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date : XX/XX/year> RE : Request for Validation FCRA 609 & FDCPA 1692gAccount : $ {$1300.00} To Whom It May Concern, I am requesting full validation of the above-referenced alleged debt.Provide : * The original signed contract * Itemized billing statements * Proof you are legally authorized to collect this debt * Chain of assignment * Date of first delinquency Until validation is provided, you must cease all collection activity.If you can not validate, this account must be deleted from all credit bureaus. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunlight Financial LLC
State: OH

Complaint narrative:
Sunlight Financial continues withdrawing {$240.00} from my bank account every month for XXXX # XXXX while refusing to respond to my misrepresentation complaint. I submitted a complaint on XX/XX/year>, acknowledged by Sunlight on XX/XX/year>, but they have provided no updates, no investigator, and no proposed resolution for over XXXX months. 

This is a loan origination dispute involving misrepresentation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The system never produced anywhere near the promised output, and Sunlight Financial continues to collect payments despite having an open dispute and failing to meet communication requirements. 

I have acted in good faith and continued to pay, but Sunlight refuses to provide any status reports, violates dispute-handling standards, and continues to take money each month without responding. I am requesting the CFPBs assistance in compelling Sunlight Financial to : XXXX. Provide a written update on my complaint, XXXX. Provide the name/contact info of the person handling the case, XXXX. Provide a timeline for resolution, XXXX. Stop ACH withdrawals until the dispute is resolved.

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 2025-12-07 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently checked my credit reports and noticed some inaccurate accounts reporting.! 

Navy FCU # XXXX Date opened, date of last activity and high balance is inaccurate XXXX Bank # XXXX Date opened, date of last payment and last reported is inaccurate. 

XXXXXXXX XXXX XXXX XXXX High credit, date of last activity and date of last payment is in accurate! 

XXXX XXXX # XXXX Date opened, Credit limit, Last reported, and date of last activity is not accurate!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting inaccurate, unverifiable, and misleading information on my credit reports. I have repeatedly notified each bureau through mailed dispute letters and provided them a chance to investigate properly, yet the inaccurate items remain.

These reporting errors have caused me severe stress, emotional distress, financial harm, and multiple credit denials. I believe the credit bureaus failed to follow required procedures under the Fair Credit Reporting Act ( FCRA ).

Details of My Complaint 1. Unverified & inaccurate accounts remain on my reports.

The bureaus continue to publish items that are * obsolete, incomplete, or unverifiable *, even after written notice. These accounts have not been validated with proper source documentation.

2. Failure to follow reasonable procedures.

Under 15 USC 1681e ( b ), consumer reporting agencies must maintain procedures ensuring maximum possible accuracy. That did not occur in my case. 

3. Failure to conduct a proper reinvestigation.

I submitted disputes with clear explanations and requested verification sources under 15 USC 1681i, but the responses did not include proper validation, and items were re-reported without proof.

4. Reporting personal data and accounts without my authorization.

As stated in my mailed challenges, I did not authorize the bureaus to furnish or sell my personal data, and they have not shown any written instructions or court order allowing them to do so under 15 USC 1681b. 

5. Economic and personal harm.

Because of these inaccuracies, I have suffered : Credit denials Lower credit scores Emotional distress and mental anguish Loss of trust in the integrity of the reporting system 6. Possible mishandling of sensitive information.

Due to prior industry data breaches, I have concerns that some accounts being reported could stem from identity theft or inaccurate data matching. 

I mailed detailed dispute letters to Equifax, Experian, and TransUnion outlining all disputed items and citing my rights under federal law. 
I requested full file disclosure under 15 USC 1681g, including the original sources used to verify the information.

I asked for deletion of any unverifiable, obsolete, or inaccurate accounts.

I requested removal of all non-account-holding inquiries older than 30 days and for promotional suppression to be added.

The bureaus were given the required 30 days but failed to correct the issues.

Copies of these letters and mailing receipts are available and can be provided upon request.

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 2025-12-07 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: 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 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 2025-12-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven years.

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.

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 2025-12-07 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: TX

Complaint narrative:
This is now my third complaint against Experian regarding their continued failure to properly investigate my disputes as required under the Fair Credit Reporting Act ( FCRA 611 ) and XXXX XXXX reporting standards. Instead of conducting a lawful reinvestigation, Experian has issued generic responses claiming potential fraud, despite the fact that I have never reported identity theft, never authorized a fraud alert, and am not working with any third party. Each time Experian requested documentation, I complied and submitted my verification including again with my most recent dispute on XX/XX/year> yet my actual claims continue to be ignored. Experian has failed to review and address the specific inaccuracies reported, including a major discrepancy where XXXX XXXX is reporting two different account numbers across bureaus ( XXXX  and XXXX  matching, Experian reporting a different number ) and an unverified XXXX late payment and an inquiry/ entry through XXXX dated XX/XX/year>. Their repeated failure to conduct a reasonable investigation and continued reporting of inconsistent or unsupported data constitutes violations of FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ) and XXXX XXXX data integrity requirements.

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 2025-12-07 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: FL

Complaint narrative:
XXXX account XXXX is reporting as charged off with a {$2100.00} balance.

The account is over two years old and I have made efforts to rebuild my credit. 
XXXX has refused my previous goodwill deletion request.

The continued reporting of this charged-off account is obsolete under FCRA 605 ( a ) ( 4 ) ( 7 years from first delinquency ) and causes ongoing harm to my credit profile.

Remove this entire tradeline from all three credit reporting agencies immediately.

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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was charged 2 late fees. One for XXXX and another for XXXX. I called them to ask if they could waive the 2 late fees and was told since they already did it one time they cant. They advertise that if you are experiencing financial difficulties they will help. How? By compounding more late fees? I understand they want their money and I told them I would catch up on payments by the end of the month. I dont want to lose the card.Not to mention my credit. But I really feel they can do better. XXXX in late fees is insane. Please hep! 
Thanking you in advance! 
Happy Holidays! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: United PanAm Financial Corp.
State: IN

Complaint narrative:
From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/year> Subject : Complaint and Cease and Desist Against United Auto Credit Corporation Improper Voluntary Surrender Handling and Unlawful Vehicle Sale Complaint Summary : I am filing this complaint against United Auto Credit Corporation ( UACC ) regarding their handling of my voluntary surrender of my XXXX XXXX, XXXX XXXX, Account No. XXXX. UACC failed to follow required legal procedures, sold my vehicle far below market value, and denied me my rights under UCC and Indiana law, causing financial and potential credit harm.

I hereby formally demand a Cease and Desist from any further collection activity, reporting, or attempts to collect a deficiency balance related to this account until this matter is resolved. 

Details of the Issue : Repeated Mechanical Issues : The XXXX XXXX had repeated mechanical failures, often returning to a non-drivable state within days of each repair, escalating to potential engine failure. Despite multiple attempts to compromise or negotiate while the vehicle was under repair, UACC refused to cooperate.

Failure to Provide Required Notice of Sale : UACC did not provide written notice of the sale, auction, or disposition of the vehicle as required by UCC 9-611 ( Indiana Code 26-1-9.1-611 ). I was denied the opportunity to redeem the vehicle or participate in the auction, violating UCC 9-623.

Unlawful Undervaluation : The vehicle was sold for under {$2000.00}, far below its fair market value ( estimated at {$25000.00} at the time ). This sale was commercially unreasonable under UCC 9-610. UACC provided no explanation or documentation for this undervalued sale.

Credit and Financial Harm : Their improper actions may negatively impact my credit or result in collection of a deficiency balance despite UACCs failure to comply with legal requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase closed two of my business credit card accounts without providing any prior notice, even though my accounts were in good standing. I was never late on any payment and consistently paid more than the minimum due. My credit rating was strong, I had not opened any new credit accounts, and my credit files were frozen at all three major credit bureaus, meaning there was no new activity that could have triggered a risk concern.

Immediately after Chase closed my accounts, they confiscated approximately {$6000.00} in accumulated rewards that I had earned. I was never informed that the accounts were at risk of closure or that my rewards would be forfeited. I received no warning or opportunity to redeem my rewards before they were taken. 

I contacted Chase customer service and requested a reinstatement of my earned rewards, but I was not provided with a satisfactory resolution or a clear explanation of why my accountsdespite being current and responsibly managedwere closed without notice and why such a large amount of rewards was forfeited.

I believe Chases actions were unfair, provided no due notice, and resulted in a significant financial loss despite my responsible account behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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:
I reviewed my consumer Report and notice that had six late payments on an account that i was never late for consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX  XXXX XXXX and provide proof with statements showing that these payments were late it proof can't be provided I demand these payments be updated to on time as they should be as i was Never late. Thanks.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy.

Accounts are also reporting a manipulated or inaccurate Date of First Delinquency.

Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

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 2025-12-07 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: AL

Complaint narrative:
Accounts are being reported as both open and in collections, which is factually impossible. Under FCRA 1681e ( b ) and 1681i, furnishers and CRAs must ensure maximum possible accuracy.

Accounts are also reporting a manipulated or inaccurate Date of First Delinquency.

Under FCRA 1681s-2 ( a ) ( 5 ), furnishers must report the actual DOFD and may not re-age an account. Under 1681c ( c )

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 2025-12-07 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: CO

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$2200.00}

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 2025-12-07 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: NC

Complaint narrative:
I submitted my first dispute to Experian, TransUnion, and Equifax on XX/XX/2025 regarding multiple accounts being reported under my consumer file. In that dispute, I explained that the identifiers the CRAs rely on to match, verify, and maintain consumer dataincluding SSN fragments, address history, metadata, and internal matching algorithmshave been publicly exposed and are no longer reliable. Because these identifiers were compromised, the CRAs can not legally verify ownership of any tradeline connected to them.

Under FCRA 1681e ( b ), CRAs must maintain maximum possible accuracy. They can not meet that standard when the identifiers required for verification have been contaminated.

Despite my notice that their verification chain is compromised, the CRAs continued publishing the accounts listed in my disputeincluding 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 bankruptcyall of which appear in my written dispute. 


Under FCRA 605B / 15 U.S.C. 1681c-2, any item linked to compromised identifiers must be blocked within 4 business days because the CRAs can not rely on breached identifiers to confirm ownership. None of the CRAs complied.

I also exercised my rights under FCRA 1681i, requesting the full Method of Verificationincluding databases used, third-party sources, documents reviewed, Metro-2 coding , and whether automated e-OSCAR was used. The CRAs did not provide this information, and therefore did not conduct a lawful reinvestigation.

Because I submitted a formal written dispute, the CRAs also triggered every furnishers duty under 15 U.S.C. 1681s-2 ( b ) to manually reinvestigate and delete anything they can not prove with original documentation. There is no evidence that any furnisher complied. 

This is a system integrity failure, not a minor factual disagreement. Breached identifiers + automated verification = a per se violation of FCRA 1681e ( b ). The CRAs refusal to block unverifiable accounts has caused ongoing harm to my credit, financial opportunities, and ability to obtain housing and services.

This is my first dispute for these items, and due to the CRAs noncompliance, I am escalating this matter to the CFPB.

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 2025-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
According to RESPA 2605 and 12 CFR 1024.33, both the old and new loan servicer did not send the required 15 day notice letter BEFORE the loan transferred. We never received any letter in the mail from either company.

Company response to consumer: Closed with explanation