vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXX XXXX XXXX XXXX - XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States Bankruptcy Court Western District of New York that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/year>, XXXX charges posted to my XXXX XXXX debit card in the amounts of {$220.00} and {$280.00} for hotel reservations made through XXXX. 

When I arrived at the property, the conditions were unsafe and not as advertised. I immediately contacted XXXX. Their representative explicitly promised me a full refund, which I recorded ( transcript attached ). After I provided proof of the conditions, XXXX rescinded the refund promise and refused to issue a credit. 

I disputed both charges with Navy Federal. Navy Federal denied my disputes in letters stating that services were performed and that there was no record of service cancellation. These findings are incorrect and contradict the evidence. The merchants own representative promised a refund, proving that the services were not provided as agreed. 

Navy Federal closed my disputes by categorizing them as service dissatisfaction. This is not accurate. These disputes fall under XXXX XXXX XXXX, Dispute Condition XXXX ( Services Not Provided / Merchandise Not Received ). Navy Federal is obligated to process these disputes through Visas chargeback system even for debit transactions. By failing to do so, they deprived me of my rights under the network rules. 

I have filed an appeal directly with Navy Federal ( copy attached ), requesting that both disputes be reopened under the correct XXXX reason code and that the investigation files be provided. 



What I Want : XXXX. Require Navy Federal to reopen both disputes ( {$220.00} and {$280.00} ) under Visa reason code XXXX ( Services Not Provided/Not as Described ). 
XXXX. Require Navy Federal to provide me with the full investigation file for each dispute, including merchant responses and reason codes. 
XXXX. Ensure Navy Federal corrects its error and issues proper credits or re-submits the disputes through Visas chargeback system. 



Attachments I Will Provide : Navy Federal denial letters ( for both charges ) My appeal letter XXXX Exhibit A : Transcript of XXXX call promising full refund Exhibit B : Evidence Index ( reservation confirmations, communications, photos of conditions, account statements )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
In XX/XX/year>, we received a new Citibank AAdvantage general use credit card which offered a mile reward and account credit deal based on spending requirements by certain dates. 
We started using these cards upon receipt. 
Our first billing statement was received in XXXX, and we promptly sent payment for the entire balance before the due date. 
While on a trip, the card stopped working and said we had exceeded our account limits. 
Follow-up calls indicated that they either had not received the payment or had not processed it. We requested an investigation which they never reported on. 
On XX/XX/year>, we confirmed through our bank that they had received the funds. The payment was due on or before XX/XX/XXXX After XX/XX/year>, we continued to try the card and received messages indicating that we had exceeded the account limit. When we called Citibank, they stated that our funds would not be applied to our account until XX/XX/XXXX ( even though they had the money ) and that we would not have access to the credit card until then. 
They refused to apply the funds to our account promptly and pushed us to provide our debit card information to avoid future problems. We declined, as this appeared to be their attempt to receive unlimited access to our cash funds without cause. 
To date, we are still unable to use the card, and they still have not applied our payment to our balance.

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 2025-09-02 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : CREDENCE RM - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$510.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
We reached out to Credit Acceptance because we had not received an end of year breakdown for our loan. I was told that they don't provide that information and would have to figure it out on my own. I asked to speak with a supervisor and was told that the statements are only mailed out in XXXX the following year and only if the loan has been paid in full. There is not a breakdown on our paperwork for what this would be each month and we paid in full almost 18 months early so I can't see the breakdown. They are refusing to let us know what our XXXX per month payment equals to. I would like the breakdown of what we paid in principal and what we paid in interest for XXXX and ill need XXXX as well.

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 2025-09-02 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. 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 non-monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXXXXXX 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  PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Someone fraudulantly accessed my Experian account and changed all of my contact information ( email, phone, address, etc. ). I became aware of this on XXXX XXXX, 2025. I've contacted their customer service multiple times. When they answer the phome ( seldom ), they are unhelpful. I've send them information ( address verification, drivers license, SSN ) so they can confirm my identity and fix the fraud problem, but it's not yet been addressed. I sent that information two weeks ago ( XXXX XXXX ). No responses and no help from them. Very frustrating - I'm the victim of fraud, Experian allowed the fraud to take place, and they aren't helping me fix the issue.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Kia Finance America XXXX. XXXX XXXX XXXX XXXX, CA XXXX RE : Dispute of Closed Auto Lease Account - KIA FIN AM | Opened : XX/XX/XXXX | Closed : XX/XX/XXXX Account Balance : {$0.00} | Highest Balance : {$22000.00} | Status : Payment After Charge-off/Collection To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and misleading reporting on my XXXX  credit report related to a closed Kia Finance America auto lease account . 
1. Account Is Paid in Full - Balance {$0.00} - Yet Marked Derogatory This account was fully paid off and closed as of XX/XX/XXXX, and is now reporting a {$0.00} balance. Despite this, the status inaccurately reads : - " Payment After Charge-off/Collection '' - " Derogatory '' This is false and misleading, as there is no history of late payments ( XXXX ), and no record exists of this account ever being charged off or placed in collection. 
2. Violations of the FCRA This reporting violates the following sections of the FCRA : - 1681e ( b ) - Failure to ensure maximum possible accuracy - 1681s-2 ( a ) ( 1 ) ( A ) - Duty of furnishers not to report inaccurate information - 1681s-2 ( b ) - Failure to correct and update information upon dispute The current reporting misrepresents my payment history and financial responsibility, and falsely damages my credit profile. 
3. Request for Immediate Action Under FCRA 1681i, I request the following actions : 1. Immediate reinvestigation and correction of this account 's status to accurately reflect that : - The account was paid in full, never charged off - There were no delinquencies - The account is not derogatory 2. A copy of any documents or records used by Kia Finance America to report this as a " charge-off '' or " collection. '' 3. Written confirmation of the investigation outcome within 30 days as required by law. 
Failure to Comply Failure to correct this inaccurate reporting will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and the Texas Attorney General, and I will seek all available remedies under FCRA 1681n and 1681o.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NY

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
I want to share a deeply troubling experience I recently faced. On XX/XX/year>, I discovered a charge of {$500.00} suddenly appearing on my account, which left me feeling uneasy. The very next day, I was shocked to see two additional charges : one for {$750.00} and another for {$570.00}. It was alarming to think that I had never authorized anyone to send such substantial amounts of money, and it pains me to realize that I have not had any previous issues with Chime regarding my account. 

Desperate for clarity, I quickly submitted a claim yesterday, hoping for a prompt resolution. However, to my disbelief, it was denied within less than 24 hours. The weight of this situation has left me feeling overwhelmingly XXXX  and distraught, especially since its the beginning of the month and my bills are looming over me. In total, I have lost an alarming {$1800.00}, which feels like a significant blow to my financial stability. In a further attempt to seek justice, I have also filed a police report. I sincerely hope for a resolution soon, as this experience has been incredibly stressful and disheartening. Thank you for taking the time to listen.have not had any previous issues with Chime regarding my account. 

Desperate for clarity, I quickly submitted a claim yesterday, hoping for a prompt resolution. However, to my disbelief, it was denied within less than 24 hours. The weight of this situation has left me feeling overwhelmingly anxious and distraught, especially since its the beginning of the month and my bills are looming over me. In total, I have lost an alarming {$1800.00}, which feels like a significant blow to my financial stability. In a further attempt to seek justice, I have also filed a police report. I sincerely hope for a resolution soon, as this experience has been incredibly stressful and disheartening. Ive filed a police report aswell. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: SC

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX, XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX Trans Union Corp., XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

DEP EDXXXX Account Number XXXXXXXX XXXX XXXX Balance : {$6500.00} DPT EDXXXX Account Number XXXXXXXX XXXX XXXX Balance : {$3700.00} Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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