vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
There is a bankruptcy reporting on my credit file that I did not file. I never signed any documents, never submitted a petition, and never received any court notifications for this bankruptcy. 

I requested verification from the credit bureau and asked for : the original bankruptcy petition with my signature direct verification from the bankruptcy court the source of the public record The courthouse does not verify personal bankruptcy information for credit bureaus, and the bureau did not provide any court-verified documents. 

This indicates the bureau is furnishing unverifiable public-record data from a third-party vendor instead of the actual source. Because the information can not be verified with the court, it is inaccurate and must be deleted under FCRA 611.

I am requesting CFPB assistance in ensuring this inaccurate public record is removed from 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 explanation
Consumer complaint received 2025-11-15 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: IN

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-15 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: AL

Complaint narrative:
I was getting put on call and cancelled at my current XXXX job. I got a better paying job an hour away- my car engine blew up and I was unable to keep that job. I have a new job that starts XX/XX/XXXX so I need a forbearance or assistance until I can get started with that position. The mortgage company told me to ask family or pawn something- they dont offer forbearance or payment plans. They have also failed to provide an application for title for registration despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: American Financial Network Inc.
State: DE

Complaint narrative:
XX/XX/XXXX XXXX I purchased a house in the amount of XXXX. American Financial Network financed XXXX. I was under the impression that the proceeds from the sell of my other property decreased the amount to the financed amount, which would be way more than XXXX percent leaving me not to have to pay XXXX insurance. After further view and question about the insurance I noticed its placed on the loan for 11 years.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I purchased a XXXX flight through XXXX for {$480.00}. I canceled the flight on XX/XX/year> and XXXX sent me a written confirmation stating I had been granted a {$230.00} travel credit and explaining how to redeem it. The credit was not provided as stated. XXXX agents confirmed the credit exists but can not be accessed. 

I disputed this with Capital One and submitted all required documents, including the receipt, cancellation policy, cancellation email, and chat logs. Capital One closed the dispute twice claiming I didnt provide the information, even though I did. They denied the dispute in less than an hour and refused to reinvestigate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed multiple inaccurate addresses with Experian under 15 U.S.C. 1681i ( a ). Experian accepted my dispute and deleted six addresses, confirming my identity documents were valid. I later provided an updated government-issued ID showing my correct address.

Despite this, Experian refused to investigate the remaining two addresses and claimed my dispute was not honored under 611 ( a ) ( 3 ) ( A ) for insufficient information. This is incorrect, because Experian had already accepted the same identification for the earlier deletions.

Experians refusal constitutes a failure to conduct a reasonable reinvestigation and a misuse of the frivolous-dispute provision, violating 1681i ( a ) ( 1 ).

I also issued a Final Opportunity to Cure / Intent to Litigate letter demanding compliance, which Experian has yet to address.

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 2025-11-15 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> {$9900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
After 2 months of waiting for my split sample to be tested, I called them to find out what was going on. After being put on hold several times and on the line for close to an hour the lady says the XXXX would call me the next day. Well the XXXX does call the next day and tells me the split sample was tested a month ago, and it took them another month to get me the results. She stated if I had any further questions I need to consult with my employer, and before I could ask any more questions she hung up on me. I ordered the test results to see for myself and it shows the test was received verified and reported all on the same day I called, the day before. If they tested the sample two months after the original test it would have been degraded therefore do not trust their results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
Following the XXXX Equifax data breach, multiple fraudulent accounts and loans were opened in my name across several institutions, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Consumer, XXXX XXXX XXXX XXXX, XXXX Bank ( fraudulent mortgage payment reporting -CARES ACT Protected by GOVT assistance XXXX XXXX, Self-Help XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inquiries for XXXX I never applied for. 

In XXXX, fraudulent charges appeared on an existing credit card with XXXX of these institutions. The full balance was paid during the XXXX XXXX statement period, yet negative internal remarks continue, causing credit denials. 

Several institutions opened unauthorized checking, savings, or loan accounts, including unemployment-benefit fraud during the pandemic. Despite submitting documentation and disputes, these entities have failed to correct inaccurate data. 

The credit bureausTransUnion, Experian, and XXXX reporting inconsistent and inaccurate information. Experian has been particularly egregious, showing multiple fraudulent accounts as charge-offs, late while current and unpaid, ignoring disputes and verified proof of payments or XXXX XXXX applicability, and failing to block identity-theft-related items, while the other bureaus reflect some corrections. All credit unions are ignoring late payments made under XXXX XXXX. 

These practices appear to violate multiple sections of the FCRA, including : XXXX / XXXX failure to maintain maximum possible accuracy XXXX failure to reasonably investigate disputes XXXX ( b ) failure to follow reasonable procedures to assure accuracy XXXX furnishers failing to correct or remove inaccurate information 605B failure to block identity-theft-related information after notice

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 2025-11-15 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: CA

Complaint narrative:
Following the XXXX Equifax data breach, multiple fraudulent accounts and loans were opened in my name across several institutions, including XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Consumer, XXXX XXXX XXXX XXXX, XXXX Bank ( fraudulent mortgage payment reporting -CARES ACT Protected by GOVT assistance XXXX XXXX, Self-Help XXXX XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inquiries for XXXX I never applied for. 

In XXXX, fraudulent charges appeared on an existing credit card with XXXX of these institutions. The full balance was paid during the XXXX XXXX statement period, yet negative internal remarks continue, causing credit denials. 

Several institutions opened unauthorized checking, savings, or loan accounts, including unemployment-benefit fraud during the pandemic. Despite submitting documentation and disputes, these entities have failed to correct inaccurate data. 

The credit bureausTransUnion, Experian, and XXXX reporting inconsistent and inaccurate information. Experian has been particularly egregious, showing multiple fraudulent accounts as charge-offs, late while current and unpaid, ignoring disputes and verified proof of payments or XXXX XXXX applicability, and failing to block identity-theft-related items, while the other bureaus reflect some corrections. All credit unions are ignoring late payments made under XXXX XXXX. 

These practices appear to violate multiple sections of the FCRA, including : XXXX / XXXX failure to maintain maximum possible accuracy XXXX failure to reasonably investigate disputes XXXX ( b ) failure to follow reasonable procedures to assure accuracy XXXX furnishers failing to correct or remove inaccurate information 605B failure to block identity-theft-related information after notice

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 2025-11-15 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 am submitting this complaint to formally dispute and request the immediate removal of multiple accounts from my credit reports with Experian, Equifax, and TransUnion that are inaccurate, unverified, and unverifiable, in full compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and collection protections under FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ). The accounts in question include XXXX XXXXXXXX XXXX * * * * * * * *, XXXX XXXX XXXX * * * * * * * *, XXXX XXXX XXXX * * * * * * * *, XXXX BANK XXXX XXXX * * * * * * * *, XXXX XXXXXXXX XXXX, XXXX XXXX * * * * * * * *, and XXXX XXXX XXXX * * * * * along with the associated XXXX AI collection originated by MIC XXXX * * * *. These accounts appear inconsistently across the XXXX credit bureaus, lack proper verification or documentation, and are unsubstantiated by the original creditors. The continued reporting of these accounts constitutes inaccurate and misleading information that harms my creditworthiness and violates federal law. I am requesting that all of these accounts be permanently removed from my credit reports, as they are unverifiable, inconsistent, and improperly reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
I am submitting this complaint to formally dispute and request the immediate removal of multiple accounts from my credit reports with Experian, Equifax, and TransUnion that are inaccurate, unverified, and unverifiable, in full compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], 15 U.S.C. 605B / 15 U.S.C. 1681c-2, and collection protections under FCPA 807 ( 15 U.S.C. 1692e ) and FDCPA 809 ( 15 U.S.C. 1692g ). The accounts in question include XXXX XXXXXXXX XXXX * * * * * * * *, XXXX XXXX XXXX * * * * * * * *, XXXX XXXX XXXX * * * * * * * *, XXXX BANK XXXX XXXX * * * * * * * *, XXXX XXXXXXXX XXXX, XXXX XXXX * * * * * * * *, and XXXX XXXX XXXX * * * * * along with the associated XXXX AI collection originated by MIC XXXX * * * *. These accounts appear inconsistently across the XXXX credit bureaus, lack proper verification or documentation, and are unsubstantiated by the original creditors. The continued reporting of these accounts constitutes inaccurate and misleading information that harms my creditworthiness and violates federal law. I am requesting that all of these accounts be permanently removed from my credit reports, as they are unverifiable, inconsistent, and improperly reported.

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 2025-11-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Statement for CFPB XXXX XXXX XXXX XXXX XXXX Card Still Reporting Monthly I am submitting this statement to clarify the issue regarding the remaining fraudulent XXXX XXXX XXXX XXXX Capital One store credit card that still appears on my credit reports. 
XXXX. I Never Applied for This Credit Card This XXXX XXXX XXXX store credit card was opened without my knowledge or consent while I was employed at XXXX. It was opened by management/HR, using my personal information without authorization. 
XXXX. The Card Has Never Been Used by Me The account shows : {$0.00} balance every month No activity No charges No payments I never activated it, never used it, and never intended to use it. It is not my account. 
XXXX. Capital One Continues to Report It Monthly Even though this is a fraudulent account, Capital One keeps reporting it every month to the credit bureaus as an open, active account with a {$0.00} balance. 
This ongoing reporting : Is inaccurate Is unauthorized Continues to impact my credit profile Prevents me from clearing the fraudulent activity fully XXXX. I Want This Account Removed Completely I am requesting that the CFPB require Capital One and the credit bureaus to : Remove the fraudulent XXXX XXXX XXXX XXXX card from all three credit reports without harming or lowering my XXXX XXXX. 
This is not a voluntary closure, and it should not be treated as XXXX. 
It should be treated as fraud and identity misuse, which means : No negative scoring impact XXXX closed by creditor remark XXXX closed by consumer remark Complete deletion of the account from my credit file XXXX. Why Removal Must Not Hurt My XXXX XXXX Because : I did not apply for the account I did not authorize the application I did not open or use the card I was the victim of internal misuse of my identity at XXXX XXXX XXXX XXXX fraudulent account from the same incident was already removed, proving the issue Therefore, this remaining account must be deleted as a fraudulent account, not simply closed. 
XXXX. My Request to the CFPB I request that the CFPB : Order Capital One to remove the fraudulent XXXX XXXX XXXX card from all credit bureaus immediately. 
Ensure the removal does not negatively affect my XXXX XXXX in any way. 
Require Capital One to explain why they removed XXXX fraudulent account but left the other. 
XXXX XXXX XXXX process for handling fraud and identity misuse, especially when the fraud originated inside an employer. 

XXXX. Authorization I, XXXX XXXX ( XXXX : XX/XX/1984 ), again give the CFPB full authorization to investigate all accounts and reporting related to this issue, including Capital One, XXXX XXXX XXXX, and all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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:
XXXX continued charging my bank account for app subscriptions after I had canceled them. XXXX allows apps to display cancellation options, but XXXX does not honor those cancellations and continues billing through the XXXX XXXX. This caused multiple overdraft fees and pushed my account negative. I did not authorize these charges. I am requesting investigation into the financial harm caused by XXXX repeated billing failures and unclear cancellation process.

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 2025-11-15 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: CA

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under XXXX XXXX XXXX, XXXXection 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the XXXX imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( XXXX ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the accounts. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief