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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Narrative This complaint concerns Experians violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, in connection with the Fair Collections and Outsourcing ( FCO ) tradeline appearing on the consumers Experian credit file. 

Experian issued dispute results dated XX/XX/year>, stating that the disputed information has been verified as accurate and that information unrelated to the dispute has been updated. Experians notice further asserts compliance with 15 U.S.C. 1681i ( a ) ( 2 ) by claiming that all relevant information was forwarded to the furnisher for verification.

The furnisher, Fair Collections and Outsourcing, issued a written statement confirming the following : The account was reviewed, settled in full, and closed.

No verification request was received from Experian.

No information was validated for Experian.

This furnisher documentation directly contradicts Experians certification that the account was verified. Experians assertion of verification is therefore false. No furnisher-level investigation occurred, and the dispute was not handled in a manner consistent with federal law.

Additionally : The Experian tradelines Status Updated date did not change during the reinvestigation, demonstrating that no furnisher data was obtained or reviewed.

Experian altered fields unrelated to the dispute, which confirms that the reinvestigation did not address the disputed item itself.

Experian continues to display derogatory indicators on an account that the furnisher has settled, closed, and ceased reporting.

These actions constitute violations of multiple FCRA provisions, including : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 2 ) ( A ) Failure to notify the furnisher and forward all relevant information, despite stating otherwise in the dispute results.

15 U.S.C. 1681i ( a ) ( 4 ) Failure to review and consider all relevant information, including the furnishers settlement and closure confirmation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete information that can not be verified.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a Method of Verification upon request.

15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy by continuing to report misleading, outdated, and unverifiable information.

The combined effect of these failures is that Experian is maintaining a tradeline that is legally and factually unverifiable and presenting inaccurate, outdated, and misleading credit data to third parties.

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 — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2025, I received a call from American Express notifying me that someone was attempting to access my account and had made fraudulent charges on my credit card. I immediately ended the call and contacted the American Express Fraud Department directly to report the incident and place a fraud alert on all of my accounts, including my checking and savings. 

On XX/XX/2025, I discovered that an unauthorized wire transfer had been made from my savings account to my checking account, and the funds were subsequently withdrawn. I contacted the Fraud Department again and expressed my concern, reiterating that I had not authorized any transactions and had already placed a fraud alert on my accounts. I was reassured that the matter would be resolved and was instructed to file a fraud claim, which I completed over the phone. I was told the investigation would take XXXX business days. 

When I called on Monday, XX/XX/2025, I was informed that my fraud claim had been approved and that the funds would be returned, but that the process might take slightly longer. I was advised to call back on Friday, XX/XX/2025. However, when I called again on Monday, XX/XX/2025, I was told that the funds could not be recovered and that I needed to file a police report. 

I expressed that American Express was negligent in allowing the wire transfer to proceed after I had reported fraud and placed alerts on my accounts. They failed to secure my accounts and permitted unauthorized parties to withdraw my money. I spoke with a supervisor who stated she would look into the matter but could not make any promises. 

American Express did not take appropriate action to protect my accounts after being notified, and their negligence resulted in the loss of my funds.

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: MN

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unlawful credit reporting by XXXX related to multiple federal student loan accounts. 

XXXX has reported XXXX separate student loan tradelines as 90 days late, XXXX days late, currently late, and missed payments to credit bureaus, with delinquency status changes reported around XX/XX/XXXX. This reporting has caused severe and unjustified damage to my credit score. 

However, the attached XXXX documents conclusively show that these loans were approved for XXXX XXXX during the same period they were reported as delinquent, making this credit reporting factually incorrect. 

I even called and they told me that they would correct this once they see that Im enrolled in school and they have not. 


Documented Errors ( With Proof ) XXXX. Approved In-School Deferment Ignored XXXX approval letters dated XX/XX/XXXX and XX/XX/XXXX confirm : In-School Deferment approved Deferment periods including : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While in an approved deferment, payments are not required, and loans can not be reported as delinquent. 
XXXX. Improper Delinquency Reporting During Deferment Despite these approvals, XXXX reported : XXXX  Days Late XXXX Days Late Currently Late Multiple Missed Payments This directly contradicts federal student loan servicing requirements and MOHELAs own documentation.

3. Servicing and Processing Failures My XXXX account inbox shows multiple documents submitted and received in XX/XX/XXXX, including deferment-related forms. 
XXXX failed to properly apply or reflect the approved deferment status before furnishing credit information.

4. Systemic Misreporting Across Multiple Loans All loans were simultaneously marked delinquent despite : Different balances Different loan types Different repayment terms This pattern strongly indicates a systemic servicing or reporting failure, not borrower nonpayment. 



Applicable Law and Violations Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and federal student loan servicing rules : Credit information must be accurate and complete Furnishers must reasonably investigate disputes Loans in approved deferment can not be reported as past due MOHELAs reporting violates these obligations.

- This has lowered my credit score tremendously and has impacted my housing due to the false credit reporting which has caused me significant stress.

Keep in mind that my name was legally changed from XXXX XXXX to XXXX XXXX in case there is some confusion when reading the documents.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX i received a call from the fraud department stating that someone placed a claims in under me however this was not me. The person was placing these claims as i was speaking to him. The person had me remove the app from the phone and called me back in an hour stating to zelle the money to the manager to pay XXXX and XXXX car payments back which i never requested. He was sending opt codes and trying to get me to do apple pay or zelle which i explained that i did not pay my bills through that.He changed my information in the system and locked me out. I went into the branch and they said someone internal had done this placed the restriction. I called and went several times requesting the funds go back to the creditors and that i never completed this considering i only paid my bills out of this account. Finally they stated that i need to reopen and withdraw the money to pay back the car payments this person tried to take from my account. I opened a new account and found out they closed all accounts with no reason on XXXX XXXX. I filed an fbi report on XX/XX/XXXX and ifenty theft report.

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: EQUIFAX, INC.
State: OH

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 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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed several fraudulent inquiries to my credit reports from the three credit bureaus. TransUnion requires a filing a complaint with the FTC in order to dispute false credit inquiries, so they sent me here.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: CO

Complaint narrative:
I leased a XXXX  XXXX XXXX on XX/XX/year> through Volkswagen Credit XXXX Because I entered into this lease, VW Credit received {$12000.00} in federal and state EV incentives, which significantly reduced the capitalized cost of the vehicle and made my monthly payment affordable. 

The vehicle was declared a total loss on XX/XX/year>, just XXXX days after lease inception, after a negligent driver crashed into me on a highway. The insurance company valued the vehicle at approximately {$45000.00}, while the vehicle payoff to VW Credit was about {$36000.00} - a difference created almost entirely by the XXXX incentives Volkswagen Credit had already collected. I received refunds from VW Credit for my down payment, a payment made after the date of loss, and a warranty I had purchased. 

However, Volkswagen Credit is retaining the entire insurance settlement, including the approximately {$7000.00} in excess value created almost entirely by the XXXX incentives they already received because I entered into the lease. This results in a double financial benefit to VW Credit : ( 1 ) over {$12000.00} in government incentives, and ( 2 ) roughly {$7000.00} in incentive-derived excess insurance proceeds.

VW Credit has not provided a clear explanation of how these funds were applied or why they are entitled to retain the incentive-generated portion of the insurance settlement. Because the EV incentives have now expired, I must replace a brand-new vehicle at a significantly higher cost, with no access to the incentives that originally made the lease affordable. 

I believe this creates an unfair financial burden on me despite VW Credit already receiving substantial benefit from the incentives at lease inception.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
So I have two credit cards with capital one. A bass pro shop card and a platinum card. When I opened them they wanted me to verify so I sent in my drivers license, utility bill and last 3 months bank statements. It all passed. I used both cards and at first was late with payments but then I paid them both off. I was able to use the platinum card one more time as the bass pro shop was already restricted. I paid off the platinum in full. Next thing you known that card us now restricted. When I call them they tell me to send in those same documents so I did, I get told 3 different times they never got the documents on the fourth time they apparently got them but im still getting told they couldn't verify my bank statement at this point I ask to speak to a supervisor who tells me both my accounts have been permanently closed even tho I just paid them both off in full and sent in the same documents I used to verify myself when I opened the account. They couldn't tell me why my bank statements didnt pass verification even tho it's the same statement i used when I opened both accounts. I also asked for documentation and they didnt provide any of that. Idk what to do but am super frustrated here. I feel cheated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Velocity Investments, through the law firm XXXX XXXX, pursued a debt collection lawsuit against me without completing proper service, without providing any of the documents I requested, and while attempting to collect the full balance without validating the debt. 

The case was filed on XX/XX/year>. Velocity obtained substitute service underXX/XX/XXXXXXXX ( XXXX ) on XX/XX/year>, which requires both mailing and physical posting or delivery. Based on the filings, these steps were not completed as required, but Velocity proceeded as if service was valid. 

I filed my Answer on XX/XX/year>. On XX/XX/year>, I served Velocity with Requests for Disclosure, Interrogatories, and Requests for Production. These asked for proof of ownership, chain of title, account records, and the documents they intended to use at trial. Velocity never responded to any of these requests and did not serve a single document to me. 

At the XX/XX/year> hearing, Velocity submitted a Bill of Sale and an Affidavit of Business Records to the court, but they did not provide these documents to me as required. Because the documents were not served, the judge reset the case for 30 days. Even after the reset, Velocity still did not serve me the documents or provide any response to discovery. 

Despite failing to provide validation, failing to comply with discovery, and failing to correct the service issues, Velocity continued to pursue the full amount they claimed was owed, including interest and fees. A judgment for the plaintiff was entered on XX/XX/year>. 

I filed a Notice of Appeal on XX/XX/year>. On XX/XX/year>, the court granted my appeal after noting that Velocity failed to respond. Velocity never participated in the appeal process and never attempted to correct or explain their lack of service, lack of discovery compliance, or failure to validate the debt. 

Throughout the case, Velocity and its representatives did not provide proof of ownership, did not validate the debt, did not respond to my inquiries, did not comply with discovery, and did not properly serve the documents they used in court. Their actions caused confusion, required unnecessary legal filings, and placed me at a disadvantage during litigation.

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 information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to emphasize that this complaint is valid and requires immediate attention. My credit report contains inaccuracies that fall short of the standard of maximum possible accuracy. These errors are significantly impacting me and continue to create serious negative consequences.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Several companies have accessed my credit report without authorization, directly harming both my credit and my credit score. I previously contacted your agency regarding this issue and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as the inquiries remain. This lack of action is unacceptable. The continued presence of these unauthorized and potentially fraudulent entries is extremely concerning and strongly indicates possible identity theft. Your agencys failure to resolve this matter is causing ongoing emotional and financial harm.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein. I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
XX/XX/XXXX and halsted financial continue contacting me by email about a debt that is actively disputed and unvalidated. i requested verification including the signed contract, payment ledger, chain of assignment, and state licensing. they did not provide it. instead i am receiving repeated emails, payment offers, and continued collection attempts while the debt is not validated. this creates ongoing harm and keeps the account in dispute status without resolution.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is unacceptable that public records appear on my credit report. This is causing me significant anxiety, and I urgently request that they be removed without delay.

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 — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
" This creditor continues reporting a fraudulent account despite my previously submitted FTC Identity Theft Affidavit. Under FCRA 605B, the furnisher is required to block and remove identity theft-related information unless they can produce documentation proving I opened the account. They have not provided this documentation and continue reporting the fraudulent account, harming my credit profile. ''

Company response to consumer: Closed with explanation