vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXXXXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS Thank you for your cooperation

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 2025-11-14 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
Issue : Exeter Finance illegally sold a charged-off auto loan and caused an unlawful reinsertion on my credit report.

Summary : Exeter Finance reported my auto loan as charged-off prior to XX/XX/year>. A charge-off is a tax event and creditors may not sell or transfer a charged-off debt unless they reverse the charge-off with the IRS. Exeter did not reverse the charge-off.

During my dispute with the credit bureaus, Exeter removed the account from my credit report. A few days later, the account was reinserted with a new status ( " sold/transferred '' ). I did not receive any required written notice within 5 business days of reinsertion, and the bureaus confirmed they did not receive proper certification from the furnisher. This violates FCRA 1681i ( a ) ( 5 ) ( B ). 

Exeter and XXXX XXXX are reporting contradictory statuses ( charge-off, sold, transferred ), which is inaccurate and misleading under FCRA 1681s-2 ( b ). XXXX XXXX is attempting to collect on a debt it can not legally own due to Exeter 's tax write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and XXXX XXXX XXXX are reporting balances that directly contradict a binding court-ordered divorce stipulation. Both creditors are reporting the full balance as my responsibility even though the court order legally limits my liability to ( XXXX XXXX ) and ( XXXX XXXX ) of the remaining balances. 

This incorrect and misleading reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and is causing ongoing financial harm. 
1. Court Order Defines My Exact Liability My divorce judgment ( Page 8 of 22 ) establishes the following : Consumer Portfolio Services ( XXXX XXXX XXXX ) I am legally responsible for of the remaining balance. 
The order states : Husband shall be responsible for XXXX of the remaining balance Wife shall be responsible for XXXX of the remaining balance. 
( You clarified this was adjusted final responsibility =. ) other auto debt ) I am legally responsible for only XXXX of the remaining balance Quote from the judgment : Wife shall be responsible for XXXX of the remaining balance of any debt associated with the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) However, both creditors continue reporting the full balances as solely owed by me, which is inaccurate, misleading, and not legally permissible. 



2. Inaccurate Reporting That Violates FCRA The creditors are reporting : XXXX XXXX XXXX  ( XXXX ) Reporting {$10000.00} Reporting full past-due and full balance as owed by me This is wrong, because I am responsible for only XXXX XXXX XXXX Reporting {$10000.00} Reporting the entire balance as my obligation This is false, because legally I am responsible for only This violates the following FCRA provisions : FCRA Violations 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures for maximum accuracy 15 U.S.C. 1681i failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or should be known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) continuing to furnish inaccurate information after notice Reporting full balances when a court order explicitly divides liability is inherently misleading

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I am filing this complaint because Cavalry Portfolio Services and XXXX XXXX XXXX are reporting balances that directly contradict a binding court-ordered divorce stipulation. Both creditors are reporting the full balance as my responsibility even though the court order legally limits my liability to ( XXXX XXXX ) and ( XXXX XXXX ) of the remaining balances. 

This incorrect and misleading reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and is causing ongoing financial harm.

1. Court Order Defines My Exact Liability My divorce judgment ( Page 8 of 22 ) establishes the following : Consumer Portfolio Services ( XXXX XXXX XXXX ) I am legally responsible for of the remaining balance. 
The order states : Husband shall be responsible for XXXX of the remaining balance Wife shall be responsible for XXXX of the remaining balance. 
( You clarified this was adjusted final responsibility =. ) other auto debt ) I am legally responsible for only XXXX of the remaining balance Quote from the judgment : Wife shall be responsible for XXXX of the remaining balance of any debt associated with the XXXX XXXX XXXX. XXXX XXXX XXXX Cavalry Portfolio Services ) However, both creditors continue reporting the full balances as solely owed by me, which is inaccurate, misleading, and not legally permissible. 



2. Inaccurate Reporting That Violates FCRA The creditors are reporting : Cavalry Portfolio Services ( XXXX ) Reporting {$10000.00} Reporting full past-due and full balance as owed by me This is wrong, because I am responsible for only Consumer Portfolio Services Reporting {$10000.00} Reporting the entire balance as my obligation This is false, because legally I am responsible for only This violates the following FCRA provisions : FCRA Violations 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures for maximum accuracy 15 U.S.C. 1681i failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known or should be known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) continuing to furnish inaccurate information after notice Reporting full balances when a court order explicitly divides liability is inherently misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
Due to the credit breach, my information was used to open fraudulent accounts. 
Accordind to FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to " block '' ( remove ) information from a consumer 's file that resulted from identity theft within four business days of receiving the required documentation.... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were due to identity theft and should be removed and blocked according to FCRA.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Due to the credit breach, my information was used to open fraudulent accounts. 
Accordind to FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies to " block '' ( remove ) information from a consumer 's file that resulted from identity theft within four business days of receiving the required documentation.... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were due to identity theft and should be removed and blocked according to FCRA.

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 2025-11-14 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: Nelnet, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Email : XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Formal Dispute of Student Loan Reporting and FERPA Violation To Whom It May Concern : I am writing to formally dispute the reporting of my student loan information by NELNET to the credit reporting agencies. This information has been reported without my written consent, which constitutes a violation of federal law.

Specifically, under 15 U.S.C. 1650 of the Truth in Lending Act ( TILA ), a consumers right to accurate, authorized, and transparent reporting of debt is protected. I did not authorize NELNET to report my student loan information to credit reporting agencies, and their actions are therefore in direct violation of this statute.

Furthermore, the reporting of my student loan information may constitute a violation of the Family Educational Rights and Privacy Act ( FERPA ), 20 U.S.C. 1232g, which protects the privacy of my educational records. No written consent or legally recognized exception was provided that allows the disclosure of this information to credit bureaus. The unauthorized release and reporting of my student loan account information to credit reporting agencies may have caused harm to my credit profile and financial standing. 

Due to these violations, I demand the immediate removal of all records associated with XXXX from my credit report. I request that the CFPB investigate this matter and enforce the proper correction of my credit records. 

Please confirm in writing that my dispute has been received and provide a timeline for resolution. Additionally, I request that all communications regarding this matter be directed to me in writing at the above address. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because my credit report contains inaccurate late payments that resulted from billing errors in violation of the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ). My creditor failed to properly reflect payments, made accounting errors, and did not provide a billing statement at least 21 days before the due date. Under 1666 ( b ) ( 4 ) and ( 5 ), these issues classify as billing errors and the late payment reporting is unlawful.

The credit reporting agency and the furnisher have not provided any documentation proving that a valid missed payment occurred. As a result, the reported late payments are inaccurate and damaging to 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 explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to properly process my dispute and reinvestigation request under the Fair Credit Reporting Act ( FCRA ). 

Over a month ago, I mailed a dispute letter requesting the correction and removal of inaccurate information from my credit reports. Instead of conducting the required reinvestigation, all three credit bureaus sent me a notice claiming that the identification I provided was insufficient to verify my identity and address. 

The documents I submitted met their published identification requirements, and their refusal to accept them has improperly delayed my dispute and violated my rights under the FCRA. I sent the correct and required identification, and the bureaus failed to review it properly. 

I have since resent the documents, along with the original dispute letter, and I am requesting that the CFPB intervene to ensure that the bureaus comply with federal law.

Under the FCRA, they are required to : Conduct a reinvestigation within 30 days ( 15 U.S.C. 1681i ).

Review all information submitted by the consumer.

Provide a description of the procedures used to determine the accuracy and completeness of the disputed information within 15 days after the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 7 ) ).

The credit bureaus failed to meet these obligations and have delayed my dispute without lawful justification. This has caused unnecessary harm and prevented me from exercising my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SD

Complaint narrative:
By submitting this formal complaint regarding USAAs improper billing practices related to a closed credit card account, which USAA closed on XX/XX/XXXX, during the COVID-19 pandemic. Despite the accounts closure on that date, USAA has continued to assess unauthorized cash advance fees on transactions I did not initiatetransactions I only recently discovered upon thorough review of historical statements. 

Pursuant to the Truth in Lending Act ( TILA ) ( 15 U.S.C. 16311638 ) and Regulation Z ( 12 C.F.R. Part 1026 ), creditors are required to provide clear and accurate disclosures and are strictly prohibited from imposing fees on unauthorized transactions, including cash advances, after an account has been closed. While interest may continue to accrue on pre-closure balances, the assessment of new cash advance fees post-closure without consumer authorization is unlawful.

Furthermore, USAA increased my late payment fee from {$25.00} to {$35.00} without providing the mandatory 45-day advance written notice required under Regulation Z ( 12 C.F.R. 1026.9 ( c ) ( 2 ) ). This change took effect after XX/XX/XXXX and was never properly disclosed to me until I asked via chat and was only refunded one-time, constituting a clear violation of federal consumer protection requirements. 

Should USAA fail to remedy these violations, I reserve the right to pursue legal action to enforce my rights and seek appropriate remedies, including full restitution of all improper fees and charges. 

Thank you for your attention to this serious matter.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized electronic withdrawals from my Chase checking account and Chases refusal to reimburse the full amount. 

The earliest fraudulent Apple.com/bill charge XXXX can document occurred on XX/XX/XXXX, due to Chase 's rule to only show transactions going back 2 years. From XX/XX/XXXX through XX/XX/XXXX, unauthorized Apple.com/bill charges were deducted from my account every month. Most of the charges were very small ( many as low as {$0.00} ), and they were labeled exactly like my legitimate XXXX subscription activity for my household. Because of this, the transactions blended into my normal digital purchases and were not reasonably identifiable as fraud. 

On XX/XX/XXXX, a much larger unauthorized Apple.com/bill charge for {$69.00} overdrew my account. This unusual amount alerted me that something was wrong. I immediately contacted Chase to report the unauthorized transaction. 

After calling Chase, I reviewed my account history in detail and discovered over XXXX fraudulent charges spanning 2 years, totaling {$10000.00}. These charges were not made or authorized by me or anyone in my household, and they do not appear on any of our XXXX IDs or purchase histories. XXXX has confirmed that these charges are fraudulent. 

Chase refunded only {$760.00}, which appears to represent roughly 60 days of transactions. The remaining balance of {$10000.00} has not been reimbursed, even though the charges are clearly unauthorized. 

Additionally, on XX/XX/XXXX, I discovered that Chase coded two supposed reversals as charges, not refunds. These entries reduced my account balance instead of crediting it. I have documentation showing that these reversals were actually debits. 

The delay in discovering the fraud was due to the deceptive pattern and labeling of the chargesnot negligence. The small amounts and subscription-like descriptions made the transactions indistinguishable from legitimate purchases. As soon as I became aware of the fraud on XX/XX/XXXX, I reported it immediately. 

I have submitted a full fraud packet to Chase, including my timeline, statement evidence, proof of the misposted reversals, and a list of all XXXX fraudulent charges. Chase has refused to reimburse the remaining {$10000.00}. 

I am requesting DFPI assistance in having the full amount refunded and in ensuring that Chase properly investigates the unauthorized transactions in accordance with XXXX XXXX I appreciate your support and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( XXXX ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously submitted a dispute regarding several inaccurate items appearing on my credit report, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1800.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$1400.00}. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ) and 1681i ( a ), I am entitled to have all information reported about me be accurate, complete, and properly verified, and any disputed information must be fully investigated. Despite my prior submission, I have not received confirmation of a reinvestigation, any explanation for the continued reporting of these accounts, or validation from the data furnishers, which raises concerns regarding compliance with the FCRAs accuracy and reinvestigation requirements.

Company response to consumer: Closed with non-monetary relief