vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I am filing this complaint because First National Bank of Omaha improperly denied my dispute for two credit card charges from XXXX XXXX XXXX XXXX : {$2000.00} Claim ID XXXX ( Resolved-Denied XX/XX/year> ) {$5000.00} Claim ID XXXX ( Resolved-Denied XX/XX/year> ) I believe these charges were unearned and improperly billed, and FNBOs denial was inconsistent with their prior resolution of a similar matter, where they credited {$1500.00} for XXXXXXXX XXXX XXXXXXXX under materially the same circumstances. 

Supporting details : XXXX XXXX XXXX XXXX ( XX/XX/year> ) : Requires refunds of unearned fees and prior approval for charges outside the agreed scope. 

Admissions by XXXX XXXX attorneys : XXXX admitted via text to my son that the firm mishandled the matter and personally approved crediting the full amount spent. On XX/XX/year>, XXXX acknowledged the errors. 

Failure of good faith : XXXX XXXX continued billing despite acknowledging issues, ignored scheduled calls, and did not inform us that XXXX insurance would not cover these charges. 

Timeline of communication : XX/XX/year> : XXXXXXXX XXXX XXXXXXXX coverage intent. 

XXXX : Multiple communications about correcting charges and potential credit ; FNBO denies dispute. 

Issue with FNBO decision : FNBO denied my dispute stating that the services were utilized, but the charges were improper, unearned, and in violation of the agreement. FNBOs own prior resolution of a similar matter shows that this dispute is valid.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. 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 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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
" My Chase account was closed by the bank in late XX/XX/year>. There is a remaining balance of approximately {$23000.00} in the account. The funds originated from a legitimate family gift wire transfer from my mother in XXXX for my living expenses. 

I have visited the branch multiple times and called customer service. Chase requested a 'recall ' or a 'hold harmless ' letter via fax from the originating bank ( XXXX XXXXXXXX XXXX ) . However, XXXXXXXX banks do not use fax machines anymore and can not send external emails to US banks due to security protocols. I have offered to provide signed affidavits and proof of source of funds, but Chase refuses to release my money. 

It has been months. I am requesting Chase to immediately issue a Cashier 's Check for the remaining balance to my address on file. I have verified my address is correct. Holding my personal funds for this long without a viable solution is unfair practice. ''

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint regarding incorrect personal information reported on my credit file. Specifically, there is an incorrect address listed on my file. I live in XXXX XXXX XXXX XXXXXXXX, PA XXXX and this incorrect address ( XXXX XXXX XXXX, XXXX, PA XXXX ) is affecting my credit report, and I am requesting that this be immediately deleted. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information reported. I ask that my credit file be updated to reflect my correct and current address, and that this incorrect address be removed from my report

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint to report violations of the Fair Credit Reporting Act and, where applicable, the Fair Debt Collection Practices Act. 
My TransUnion credit report dated XX/XX/year> contains inaccurate, misleading, and improperly formatted information being furnished by multiple creditors and third-party debt collectors. 
Specific violations include improper re-aging of charged-off accounts, reporting delinquencies after account closure, failure to maintain Metro 2 compliance, and collection reporting without adequate validation while disputes are pending. 
These actions violate : 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681c 15 USC 1692e and 1692g

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I purchased a XXXX  Hyundai XXXX from Hyundai Motor Finance 2 months ago and they refuse to report new account in good standing on account number : Account No. : Vehicle : VIN : XXXXXXXX XXXX Hyundai XXXX XXXX XXXX XXXX XXXX I AM REQUESTING ACCOUNT REPORT ACCURATE WITH PAYMENT TO MY SS # ending in XXXX for all purchases from Hyundai Motor Finance per FTC and per the signed and agreed contract that purchase will be reported to all 3 major credit agencies as a new account, on time payment account IN GOOD STANDING AS SOON AS LAW ALLOWS PER DOCUMENTS AND CONTRACT

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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :

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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint to dispute the accuracy of several charged-off accounts appearing on my Equifax credit report : Department of Education Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Reported XX/XX/XXXX, Balance {$1300.00} ) XXXX  XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Reported XX/XX/XXXX, Balance {$7200.00} ) XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  ( Reported XX/XX/XXXX, Balance {$0.00} ) XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX ( Reported XX/XX/XXXX, Balance {$23000.00} ) Department of Education Account XXXX XXXX XXXX XXXX ( Reported XX/XX/XXXX, Balance {$0.00} ) I do not believe these accounts are being reported accurately or completely. Some balances, statuses, and reporting dates appear incorrect, inconsistent, or unverifiable. I am requesting that Equifax conduct a reasonable investigation and require the furnishers to provide documentation proving accuracy, including account agreements, payment history, and proof that the charge-off status is correct. If the information can not be verified, these accounts should be corrected or removed.

Late Payments I am also disputing late payment history reported for the following accounts : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  The late payments being reported do not accurately reflect my payment history. I am requesting verification through billing statements and payment records. If Equifax can not verify this information, it should be corrected or deleted.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing the following accounts listed on my TransUnion credit report. These accounts appear to be inaccurately reported, and I request a thorough investigation into these discrepancies. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$580.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX Balance : {$7200.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX Balance : {$210.00} Inquiries : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX Late Payments : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute multiple inaccurate items that are currently being reported on my consumer credit reports. These items violate the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be complete, accurate, and verifiable. 

Despite reviewing my reports, the following information is incorrect and does not reflect my true credit history. I am requesting a full investigation and appropriate correction or deletion of these items.

1. Wrong Address Not Mine The following address is being reported on my credit file, but I have no knowledge of this address and it has never been associated with me. It does not belong to me and should not be on my consumer report. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Request : Please investigate and delete this address immediately, as it is inaccurate and not mine. 

2. Incorrect Late Payment Reporting The following account is reporting a late payment that is not accurate. I have never made a late payment on this account, and the reported payment history is incorrect. 

XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$490.00} Issue : Late Payment Reporting * * Request : Please conduct a reinvestigation and correct the payment history to reflect accurate information, or remove the inaccurate late payment if it can not be fully verified. 

3. Unauthorized / Unrecognized Credit Inquiries The following credit inquiries appear on my credit report, but I do not recognize them and did not authorize these inquiries. I have no knowledge of these applications. 

XXXX BANK / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/XXXX XXXX Card XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Request : Please investigate these inquiries and delete any inquiry that can not be verified as authorized by me. 

Conclusion These inaccuracies are causing my credit report to be misleading and non-compliant with the FCRA. I am requesting that the CFPB ensure the reporting companies conduct proper investigations and take corrective action where verification can not be provided. 

Thank you for your assistance in ensuring my credit file reflects only accurate and verifiable information.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I disputed a merchant for using my debit card without my authorization or knowledge weeks after we had permanently concluded business. Navy federal has refused to provide any provisional credit while they investigate. The previous complaint was due to them refusing to investigate, this complaint is specific to navy federal intentionally violating EFTA REG E. The dispute was done well within 60 days of the transactions via debit card. The dispute was filed XX/XX/year> and it is now XX/XX/year> and I haven't received a provisional credit. This has caused a significant hardship that has resulted in credit card payment reversals so i can stay alive while they investigate. Navy federal is ofcourse stacking numerous fees against me for being overdrafted and having payments reversed.

As a result from my first complaint regarding Navy federal refusing to investigate the disputes, provide any documentation supporting their decisions or providing a reason for denial, they filed the chargeback and started investigating. They also made the decision to take away my debit card for a 12 month period of time for complaining. The verbiage provided for this decision states it is due to what they deem a suspicious pattern. The pattern was specified as the 27 disputes that were filed in the last 12 months. The 27 disputes are all isolated to one date. They were filed together on the same date and the transactions all occured on one day. I stated this and their response was that their decision is final. The level of complete disregard for me as a consumer and the dispute process has directly impacted my way of life right before the holidays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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 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: SC

Complaint narrative:
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 2025-12-18 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: SC

Complaint narrative:
The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief