vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank USA NA is reporting a charged-off credit card account as if it is currently collectible. I dispute this reporting as inaccurate and unverified. 

The account was charged off, which means the creditor has written it off as a loss for accounting purposes. Capital One has not provided documentation showing that it still owns this debt or has any right to collect after the charge-off. Reporting a charged-off account without clear verification of current ownership and liability is misleading and violates the FCRA. 
Violations : 15 U.S.C. 1681e ( b ) : Failing to ensure maximum accuracy in reporting.

15 U.S.C. 1681s-2 ( b ) : Furnisher failed to reasonably investigate my dispute after notice from the credit bureaus.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Unverified or unverifiable information must be deleted.

UCC 3-501 & 3-505 : The furnisher has not provided the original signed credit agreement or proof of assignment/ownership to establish ongoing liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit XXXX XXXX XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states aconsumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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 writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Act ( CFPA ), and citing direct violations confirmed by the CFPBs XX/XX/XXXX lawsuit against XXXX CREDIT BUREAU } * * I am a victim of malpractice and broken laws based on the XX/XX/XXXX lawsuit against { CREDIT BUREAU } }. * * And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under : - 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation - 15 U.S.C. 1681i ( a ) ( 2 ) Failure to forward all submitted documentation to furnishers - 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy - 15 U.S.C. 1681c-2 Failure to block fraudulent accounts upon identity theft report - 18 U.S.C. 1028 Identity Theft and Assumption Deterrence Act - FACTA Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling.

Accounts Reported in Violation of Federal Law LIST ACCOUNTS HERE : { Account Balance Date Opened Type Violations XXXX  XXXX XXXX {$40000.00} XX/XX/XXXX Auto Loan Reinserted without notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ), Failure to investigate identity theft ( FCRA 1681c-2 ), Metro 2 violation, Failure to conduct reasonable reinvestigation ( FCRA 1681i ), Failure to maintain accuracy ( FCRA 1681e ( b ) ) Accounts reinserted without MOV or consumer notice, Metro 2 violations ( codes 30/31 ), FCRA 1681c-2 and 1681i ( a ) ( 2 ) violations Pattern of Misconduct { CREDIT BUREAU NAME } Lawsuit Reference This is not isolated. The CFPB filed suit against XXXX CREDIT BUREAU NAME } in XX/XX/XXXX ( Case XXXX ) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims the very same conduct Im reporting here. I am directly experiencing the same violations as outlined in that case.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
Incorrect Address Association : The address being reported is not mine. XXXX XXXX XXXX guidelines, all personal identifiers ( including address ) must be accurate, verifiable, and up-to-date. Reporting an incorrect address materially misrepresents my file and violates XXXX XXXX Format Reporting Standard Section XXXX and FCRA 611 ( a ) ( XXXX ) ( A ). 

Inaccurate Reporting of Pay Status and Terms : The account reflects a charge-off, yet it also states $ 0 monthly terms, which is inconsistent and misleading. This contradicts the principles outlined in the XXXX XXXX Compliance Condition Code Fields. 

The payment status and loan terms are vague, contradictory, and non-compliant with proper Account Status Code mapping. 

No Verification or Permissible Purpose Demonstrated : I have not received validation or verification of this debt from XXXX XXXX XXXX XXXX, as required under 15 USC 1692g ( b ). 

Under FCRA 604, the furnishing of this account must be supported by a permissible purpose, which I have not been shown. 

Violation of XXXX XXXX Reporting Standards ( XXXX XXXX XXXX XXXX XXXX XXXX ) : The XXXX XXXX format requires the Date Closed and Charge-off Status to be mutually exclusive with accurate balance data and full compliance in Segment K Account Status Fields. 

Your reporting reflects contradictory dates : the loan shows a closed status as of XX/XX/XXXX, while also being marked as an active charge-off and still having a historical high balance through XX/XX/XXXX, which is not technically feasible.

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 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XX/XX/year> I never gave ( XXXX XXXX XXXX XXXX  ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any XXXX party. 
XXXX XXXX XXXX Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX Bank acct # XXXX * * * * * * * * * * * Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am filing a formal complaint against Equifax for continuing to report an outdated and inaccurate account from XXXX XXXX XXXX XXXX XXXX ( listed as XXXX, account ending in XXXX ). 

This account is being reported as XXXX with a status of XXXX  a balance of {$830.00}, and a last payment date of XX/XX/XXXX. However, the account has had no activity for nearly XXXX  years and was charged off in XXXX. 

This reporting is deceptive and violates multiple sections of the Fair Credit Reporting Act ( FCRA ) and industry-standard XXXX XXXX XXXX guidelines : Specific violations include : FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishers must not report information that is inaccurate or misleading. This account is listed as XXXX despite being XXXX XXXX since XXXX, which misrepresents the status. 
FCRA XXXX ( a ) : XXXX a consumer disputes information, the credit bureau must conduct a reasonable investigation. No such investigation has occurred with documentation provided. 
FCRA XXXX ( a ) : XXXXf accounts may not be reported more than XXXX years from the original delinquency date. Equifax appears to have re-aged this account with a false last reported date of XX/XX/XXXX, extending its credit reporting life artificially. 
XXXX XXXX XXXX XXXX : Reporting a XXXX account as open and assigning it a deposit-related label with a {$0.00} credit limit and {$830.00} balance is contradictory and noncompliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX also goes by resurgent credit company. They put XXXX on my account of XXXX. In which 5 years ago I had to get XXXX and XXXX  to handle it .they took it off my credit report after that but this year they put it back on. It's not my correct SS number. My name is XXXX XXXX. I have lived here at this address most of all my life. The three credit companies has me at different addresses. I am tired to get them to remove them without any help .I am XXXX XXXX XXXX and should not be going through this. My address is XXXX XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On todays date XX/XX/year> an around XXXXXXXX XXXX, I received an email, Time Sensitive Matter, from my XXXX  XXXX, Freedom Mortgage Bank, in which stayed that after many attemps of trying to communicate with me, my loan was reffered to the Disclosure unit, an currently in default due to missed payments. Also it mentions if no action from my part, legal actions will be taken to recover the debt, and the negatives consequences of being subject of this actions on my credit report. 

This email has the name of the subject signing it, XXXX XXXX, XXXX XXXX XXXX, phone number XXXX. 
I did a phone call to this number, and this person just ask the reason why of my call, I said I received the email from him and my account is current with XXXX missed payments.He just said sorry was a mistake, i said I will find the way or correctives actions to resolve this issue, just hang up. 

Then I proceed to call Freedom Mortgage Bank, Customer Service, after a long chat with a representative and not able to resolve my issue, I requested to speak with a Supervisor, the agent said it was a long time waiting due to a lot of calls, put me on hold, to end disconnecting the call. At this poing my blood pression went up, since I'm a cardiatic patient, did another call, this time an agent took my call she informed will elavate my concern and transferered to the Foreclosure Unit, but not even ask from or who sent the email.I provided with name and phone numeber of the calling subject. 
Please consider my claim and provide me with feedback. 
Regards,

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 2025-08-01 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:
This letter serves as my formal notice of dispute concerning certain accounts listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-08-01 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:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

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 2025-08-01 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief