vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-15 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MS

Complaint narrative:
I am submitting this complaint because XXXX XXXX is reporting an account on my credit file with an impossible and inaccurate status.

The account in question ( Account # [ XXXX XXXX is being reported as bo

th Closed by Grantor and Charged-Off for the same reporting period. This is factually and technically impossible under the Metro 2 Credit Reporting Resource Guide : Charge-Off status codes ( 6165 ) indicate a delinquent account written off as a loss after non-payment. Closure Code B ( Closed by Credit Grantor ) applies when a creditor proactively closes an account while it is still open and not in charge-off status. These statuses can not coexist in the same reporting month. Reporting them together is false, misleading, and inaccurate.

This violates : FCRA 1681e ( b ) Duty to assure maximum possible accuracy.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on furnishing inaccurate information.

I disputed this with the credit bureaus and XXXX XXXX, but the inaccurate reporting remains. This error is damaging my creditworthiness and preventing fair access to credit.

I am requesting that the CFPB compel XXXX XXXX to either : 1. Correct the reporting to reflect only
one accurate status code, or 2. Permanently delete the tradeline if accurate reporting can not be provided.

Please investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: VA

Complaint narrative:
TransUnion is reporting inaccurate and contradictory information for two XXXX XXXX accounts ( Acct # XXXX XXXX XXXX XXXX XXXX and Acct # XXXX XXXX XXXX XXXX XXXX XXXX. 

For XX/XX/year>, both accounts are reported as 60 days late. However, for XX/XX/year>, the accounts are shown as in good standing, not 30 days late. Under Metro 2 guidelines, it is not possible to be reported as 60 days late without first being reported as 30 days late in the prior month.

Additionally, the pay status for both accounts is listed as Paid, closed ; was Paid as agreed while also showing a 60-day delinquency. This is internally inconsistent and misleading to anyone reviewing my credit file. 

These errors fail to meet the Fair Credit Reporting Acts requirement that information be complete and accurate ( FCRA 602, 607 ( b ), 611 ) and violate Metro 2 Compliance Standards requiring consistency across reported fields. The inaccurate reporting misrepresents my payment history and has harmed my creditworthiness.

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 2025-08-15 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
XXXXGM FINANCIAL reports Acct # XXXX only to XXXX, not XXXX, violating FCRA XXXX  ( a ) ( 1 ) ( A ) & XXXX XXXX rules. Missing original balance, highest balance, payment history, DOFD, and settlement proof, violating FCRA XXXX  ( b ). Status Paid in Settlement {$12000.00} written off updated XX/XX/XXXX, yet set to remain until XX/XX/XXXX, possibly violating XXXX  ( a ) ( 4 ). This selective, incomplete reporting harms my credit and misleads lenders. Request deletion if unverifiable and correction to meet FCRAXXXX XXXX compliance.

Attached : Copy of my XXXX  report showing the inaccurate, incomplete account and absence from other CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Was never sent any kind of information on this debt being put into collections and was never notified of account going to be closed and put as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: OH

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is attempting to collect multiple accounts originally from XXXX XXXX XXXX ( XXXX ) and XXXX. Both accounts were sold or transferred to Portfolio Recovery without my consent, in violation of GLBA 15 U.S.C. 6801.

At the time of these transfers, I was under active medical care and experiencing severe emotional and financial hardship. Neither original creditor contacted me to discuss hardship programs, payment arrangements, or alternatives before sending my accounts to collections. This complete lack of accommodation is deeply troubling.

Portfolio Recovery Associates has sent collection letters and reported these accounts to the credit bureaus without first providing proper validation as required under FDCPA 15 U.S.C. 1692g. Their communications have implied legal action could be taken, which, if not intended, would violate FDCPA 1692e ( prohibition on false threats ).

By reporting and attempting to collect on accounts they have not validated, PRA is also potentially violating FCRA 15 U.S.C. 1681s-2 ( b ) by failing to ensure accuracy and respond appropriately to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Subject : Complaint Regarding Unjustified Deposit Hold and Lack of Transparency Navy Federal Credit Union Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Navy Federal Credit Union regarding an unjustified hold on my recent deposit and their refusal to provide a transparent explanation for the delay, which I believe violates federal regulations and fair banking practices. 

On [ XX/XX/year> ], I deposited {$9000.00} into my Navy Federal Credit Union savings account. I was informed that the check would clear within a typical timeframe ( 2 business days ). However, I received an email stating : We're delaying {$8700.00} of your total deposit of {$9000.00} because we have information indicating the check should be held to ensure it's processed successfully. In most cases, you can expect to receive the money within 5 business days of your deposit. '' Despite having no indications of fraud or suspicious activity on my account, I contacted the bank to request the specific reason for this extended hold, as navy federal email stated they have information indicating the check should be held to ensure it's processed successfully. I was met with resistance and was told that the bank does not have to disclose the reason for the hold and that the reason is not specific. I was also informed that disclosing a reason for such delays is not required outside of their internal policies.

This response is concerning because federal regulations, specifically Regulation CC ( Expedited Funds Availability Act ), generally require banks to provide a reason for extended holds on deposited checks, especially when the hold exceeds the standard timeframes. Under these regulations, consumers have the right to know why their funds are being delayed, and arbitrary or unsubstantiated holds are not permissible.

Furthermore, the banks indication that the delay is due to " information indicating the check should be held '' without any specific reason or supporting evidence appears arbitrary and inconsistent with regulatory protections. The bank has not provided any concrete evidence or valid reason for the extended hold, and their refusal to do so seems to be a violation of my rights as a consumer.

I request that the CFPB investigate this matter, as I believe Navy Federal Credit Union 's practices in this case may be violating federal laws and regulations designed to protect consumers from unfair and deceptive banking practices.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have previously disputed Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing an account on my credit report that is fraudulent and entirely unauthorized. I have never applied for, opened, or had any connection with this account. Its inclusion is inaccurate, misleading, and harmful to my financial reputation.

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 2025-08-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-15 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: VA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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 ask for the immediate removal of this unauthorized account from my credit report, as I have no affiliation with it. Additionally, I request a thorough review to address any further inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-15 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Section 4 Joint Violations by PRA, XXXX  XXXX XXXX  Furnishing false/misleading info FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 1692e ( 2 ) ( A ), ( 8 ) ; FCCPA 559.72 ( 9 ), ( 10 ), ( 18 ) ; FDUTPA 501.204 .

Failure to reinvestigate & delete FCRA 611 ( a ) ; FCCPA 559.72 ( 15 ).

Re-aging & date manipulation FCRA 605 ( a ), 623 ( a ) ( 5 ).

Misclassification as Open account FCRA 607 ( b ) ; FDCPA 1692e.

Reporting without validation FDCPA 1692g ; FCCPA 559.72 ( 15 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax 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 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 response to consumer: Closed with non-monetary relief