vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: CO

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I tried to start an online business with a web page builder, XXXX. During the first two weeks working with XXXX I realized that I could not handle the page due to my short term XXXX XXXX. 
I had the full money back guarantee 60 days. I asked XXXX for a refund on XXXX XX/XX/year>. The next day I found out that my Cittibank XXXX XXXX card that XXXX said I needed for the web page business had been tapped for {$4000.00}! 
I not aware that the cc would be debited $ XXXX or I would not agree and stopped and asked for a refund. XXXX XXXX I called XXXX and XXXX did not answer, fearing I might have been scammed I contacted Cittibank and filed a dispute, Then XXXX called . It was not a scam but I had filed the dispute and a new card was on the way. XXXX XXXX XXXX requested more info in letters & notices. XXXX XXXX XXXX sent Resolved customer responsible and returned to XXXX the {$4000.00} and details were in letters & notices XXXX XXXX investigating on my behalf after I had called Customer Service. XXXX documents received and no fees or payment on the while investigation is underway. XXXX XXXX resolved, customer responsible, details in letters & notices It said that I should contact XXXX and request a refund by check sent XXXX. ! Because Cittibank did not have a clue about refunds only viewed the {$4000.00} as XXXX and found me responsible and rather than put a stop payment and credit my account {$4000.00} they sent me a new card and returned the {$4000.00} to XXXX. I then called XXXX and updated him on What Cittibank did and XXXX advised me that due to the dispute being filed he was out of the mix and the lawyers were taking over. Everyone knew it was a simple refund and the lawyers mentioned a document they wanted me to sign first before the check was cut a statement of fact fearing I was trying to double dip or some kind of fraud. I said fine send me the document I never received anything to sign about a week later I received a missed call from XXXX XXXX wanting to split the refund to cover the lawyers fee and send me {$2000.00}?! I did not agree and contacted CFPB. Please advise. 
Thank you. XXXX XXXX please text XXXX on how to proceed.

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 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Central Research Inc
State: TX

Complaint narrative:
This complaint concerns Central Research , Inc.s failure to conduct a reasonable investigation and failure to respond to a direct dispute following prior CFPB complaints.

CRI has previously responded to CFPB complaints with generic boilerplate statements that did not address the specific disputes or evidence provided. Since the most recent CFPB response, new conduct has occurred. 

On XX/XX/year>, I sent a formal direct dispute and legal demand to CRI via USPS Priority Mail, requesting a written explanation of the verification method used to validate the disputed delinquency, identification of the specific records reviewed, delinquency aging calculations, and complete servicing and communication logs.

Instead of providing written investigation results, documentation, or an explanation of its verification process, CRI returned my original letter without any response, explanation, or acknowledgment. No written findings were provided, and no records were produced.

CRI has still not explained how the delinquency was calculated, what records were reviewed, or how the information was verified. Returning correspondence without response does not satisfy a furnishers obligations under the Fair Credit Reporting Act to conduct a reasonable investigation and notify the consumer of investigation results.

Additionally, CRIs repeated use of generic responses in prior CFPB complaints that fail to address the specific disputes or evidence provided demonstrates that no reasonable investigation has occurred.

This complaint is not a duplicate of prior filings. It is based on CRIs continued failure to investigate, failure to respond to a direct dispute, and failure to provide investigation results after CFPB involvement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union is reporting inaccurate and misleading information for a charged-off credit card account. 
The account shows a reported balance of approximately {$7400.00} {$7400.00}, which exceeds the original credit limit of {$7100.00}, without a clear explanation of how the balance was calculated. The account was charged off in XXXX, yet Navy Federal continues to update the account monthly with charge-off and delinquency indicators through XXXX. 
A charge-off is a one-time accounting event. Continuing to update a charged-off account month after month and reporting rolling delinquency after charge-off is misleading and may constitute re-aging. Additionally, reporting a balance over the credit limit without itemization of interest or fees is inaccurate and incomplete.

I disputed these inaccuracies through the credit reporting agencies. Despite this, Navy Federal has continued to furnish the same inaccurate information without correction or explanation.

This inaccurate reporting has caused ongoing harm to my credit profile, including interference with employment and military eligibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
Account XXXX XXXX # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified Mail '' with receipt displaying my signature. If not, please delete account number # XXXX was soon as possible from my report or I will take legal action.

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 2025-12-24 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:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: AR

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from Carvana. The vehicle had over XXXX miles at delivery. As part of the transaction, I traded in a XXXX XXXX XXXX. 

Carvana charged an upfront non-refundable shipping fee of {$690.00}, which I paid prior to taking possession of the vehicle.

After the transaction, Carvana later re-classified amounts related to the trade-in and shipping and represented that no refund or balance was due, despite my understanding that positive trade-in equity existed. 

Carvana has produced a Retail Purchase Agreement containing a XXXX signature that I do not recall signing. This document does not appear in my XXXX account, although other Carvana documents I signed do appear there. 

I contacted XXXX directly. XXXX advised they could not provide envelope IDs or completion certificates and that only the sender ( Carvana ) could provide those records. 

I formally requested from Carvana the XXXX envelope IDs and completion certificates for all documents they claim I signed. Carvana did not provide this information and has not responded to these requests.

I am requesting that Carvana be required to produce the XXXX envelope metadata and completion certificates to verify the authenticity and timing of the documents they rely upon, and to correct any improper fee re-classification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: CA

Complaint narrative:
In XX/XX/year>, I submitted XXXX XXXX Victim Determination documentation pursuant to FCRA 605C ( 15 U.S.C. 1681c3 ) to all three nationwide consumer reporting agencies.

The documentation was issued by two qualified victim service providers. One agency reviewed the documentation, accepted it as valid, blocked the adverse credit information associated with XXXX, and formally closed the case. 

A second agency acknowledged receipt of the documentation and partially complied by removing hard inquiries but failed to block all adverse information resulting from XXXX. 

A third agency received the same documentation but refused to comply, asserting verbally that the documentation was invalid while failing to issue any written determination or legal basis for rejection. 

I made multiple attempts to resolve these issues directly. One agency redirected me to an online dispute portal not designed for XXXX-related statutory blocks. Another relied on verbal denials without written response. 

Because one nationwide consumer reporting agency fully complied using substantially similar documentation, the continued refusal or partial compliance by the other agencies represents inconsistent and selective application of FCRA 605C. 

I am requesting CFPB intervention to require full compliance with federal law, including blocking of all adverse information resulting from documented XXXX XXXX and preventing reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 submitting this complaint regarding multiple inaccuracies identified during my recent review of my credit report, which I am formally disputing under the Fair Credit Reporting Act ( FCRA ). My report lists an incorrect address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the maintenance of inaccurate personal identifying information violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, as an incorrect address creates risks of misdirected correspondence, identity confusion, and improper association of credit data. In addition to the inaccurate address, my report contains numerous hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX from entities including, but not limited to, 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, many of which appear duplicated and were not authorized by me to the best of my knowledge. Under FCRA 604, consumer reporting agencies may only report inquiries that have a permissible purpose, and the presence of multiple unauthorized or duplicative inquiries suggests noncompliance with this requirement. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires that all information furnished to consumer reporting agencies be complete and accurate, and FCRA 623 ( a ) ( 5 ) requires accurate reporting of account and delinquency-related information, yet the volume and nature of these inquiries raise serious concerns regarding improper furnishing and verification. Given these discrepancies, I am requesting that conduct a full and lawful reinvestigation of my personal information and all disputed inquiries, and that any information which can not be properly verified as accurate, complete, and authorized be corrected or removed in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies identified during my recent review of my credit report, which I am formally disputing under the Fair Credit Reporting Act ( FCRA ). My report lists an incorrect address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the maintenance of inaccurate personal identifying information violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, as an incorrect address creates risks of misdirected correspondence, identity confusion, and improper association of credit data. In addition to the inaccurate address, my report contains numerous hard inquiries dated between XX/XX/XXXX and XX/XX/XXXX from entities including, but not limited to, 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, many of which appear duplicated and were not authorized by me to the best of my knowledge. Under FCRA 604, consumer reporting agencies may only report inquiries that have a permissible purpose, and the presence of multiple unauthorized or duplicative inquiries suggests noncompliance with this requirement. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) requires that all information furnished to consumer reporting agencies be complete and accurate, and FCRA 623 ( a ) ( 5 ) requires accurate reporting of account and delinquency-related information, yet the volume and nature of these inquiries raise serious concerns regarding improper furnishing and verification. Given these discrepancies, I am requesting that conduct a full and lawful reinvestigation of my personal information and all disputed inquiries, and that any information which can not be properly verified as accurate, complete, and authorized be corrected or removed in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: RI

Complaint narrative:
Velocity Investments , LLC has refused to properly validate the alleged debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Despite my timely written dispute, the company and its agent failed to provide complete and lawful validation. 

Please review the attached documentation, which demonstrates that the alleged verification is incomplete and does not meet federal consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
This letter serves as formal notice that your agency has failed to conduct a lawful reinvestigation of inaccurate information on my consumer report, as required by the Fair Credit Reporting Act ( FCRA ). 
XXXX account # XXXX Pursuant to 15 U.S.C. 611 ( a ) ( 1 ), you were required to conduct a reasonable reinvestigation within 30 days and either verify, correct, or delete the disputed information. You failed to meet this statutory obligation in XXXX or more of the following ways : You failed to provide competent verification of the disputed information ; and/or You continued reporting the account without correcting the inaccuracies identified in my dispute. 

Further, under 15 U.S.C. 611 ( a ) ( 5 ), any information that can not be verified must be deleted. Your continued reporting of this account after failing to reinvestigate constitutes negligent and/or willful noncompliance with federal law. 

Additionally, your actions violate 15 U.S.C. 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

Because you failed to conduct a lawful reinvestigation, I am not requesting another investigation. I am demanding the immediate deletion of this account from my credit file. 

You are hereby given XXXX days from receipt of this letter to : XXXX. Delete the account in its entirety, and XXXX. Provide written confirmation of deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Credit card accounts issued by Chase were affected by identity theft involving repeated unauthorized access and misuse of my personal identifying information. Due to this identity theft activity, Chase closed the accounts to protect against fraud. 

After the accounts were closed for fraud-related reasons, I requested confirmation that an identity-theft block had been applied, including permanent suppression of the accounts from all consumer reporting agencies and cessation of any further furnishing or re-aging. I also requested that the accounts be closed internally on an indefinite basis due to identity theft and unauthorized access. 

Chase has not confirmed that an identity-theft block was applied, that furnishing to credit bureaus has ceased, or that the accounts were closed internally on an indefinite basis. Despite notice of identity theft and closure of the accounts to protect against fraud, the accounts continue to be reported to credit bureaus. 

Failure to block accounts impacted by identity theft from credit reporting systems, and failure to ensure indefinite internal closure following identity theft, is inaccurate and misleading and not compliant with identity theft protections under federal consumer reporting requirements. Continued furnishing and attribution of these accounts causes ongoing harm. 

This complaint concerns Chases failure to apply and confirm an identity-theft block, failure to close the accounts internally on an indefinite basis due to identity theft, and continued furnishing of accounts affected by identity theft to consumer reporting agencies.

Company response to consumer: Closed with explanation