vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding THD/CBNAs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. THD/CBNA has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

THD/CBNA 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 explanation
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
Experian and XXXX  are continuing to report inaccurate student loan tradelines serviced by XXXX XXXX These accounts contain factual errors, including late payments reported during the CARES Act deferment period ( XXXX XXXX XXXX  ) and illogical delinquency jumps in XXXX  and XXXX ( e.g., OK to 60/120 days late without proper progression ). These errors make the reporting unverifiable under federal law. Despite my disputes and submission of documentation, the bureaus marked the items as verified without providing the required method of verification. This is a violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). As established in XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), a reinvestigation is unreasonable when it relies solely on a furnishers word without questioning obvious inaccuracies. Both Experian and XXXX  have failed to conduct a reasonable, independent investigation, compounding the harm to my financial standing. 
Dispute Letter attached with identifying and supporting documentation

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 2025-09-26 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: AL

Complaint narrative:
XXXX  and Equifax are continuing to report inaccurate student loan tradelines serviced by XXXX XXXX These accounts contain factual errors, including late payments reported during the CARES Act deferment period ( XXXX XXXX XXXX ) and illogical delinquency jumps in XXXX and XXXX ( e.g., OK to 60/120 days late without proper progression ). These errors make the reporting unverifiable under federal law. Despite my disputes and submission of documentation, the bureaus marked the items as verified without providing the required method of verification. This is a violation of the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ). As established in XXXX XXXX XXXX  ( XXXX XXXX XXXX, XXXX Cir. XXXX ), a reinvestigation is unreasonable when it relies solely on a furnishers word without questioning obvious inaccuracies. Both XXXX  and Equifax have failed to conduct a reasonable, independent investigation, compounding the harm to my financial standing. 
Dispute Letter attached with identifying and supporting documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I do not recognize this collection on my credit Report at all. I disputed the matter with XXXX  asking them if they can kindly provide the original documents with my Verified signature proving that its indeed mine and they have yet to get back to me DELETE THIS IMMEDIATELY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit experian permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove these inquiries from my report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I noticed two unauthorized hard inquiries from The Home Depot/Citibank on my credit report dated [ list dates ]. I did not apply for credit with The Home Depot/Citibank and did not authorize these inquiries. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a permissible purpose is required to access a consumers credit file. Since I never gave authorization, these inquiries are fraudulent and must be removed.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Dear TransUnion, I am writing to formally dispute several hard inquiries listed on my credit report. I am requesting that TransUnion investigate each inquiry and remove any that are found to be unauthorized or made without my consent. 

The inquiries in question are listed below, along with the reported dates : 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 XXXXXX/XX/XXXX To the best of my knowledge, I did not authorize some or all of these inquiries. I respectfully request that TransUnion : Verify that each inquiry was made with my explicit authorization. 

Remove any inquiries that are determined to be unauthorized or in error. 

Notify me of the results of your investigation and provide documentation or evidence of the authorization where applicable. 

Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ). I understand that you are required to complete your investigation within 30 days of receiving this request. I am prepared to provide any additional information needed to assist in this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX 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 explanation
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
INACCURATE, INCOMPLETE AND LEGALLY UNENFORCEABLE INFORMATION. i HAVE NEVER CONTRACTED WITH THIS COMPANY OR ENTERED INTO ANY CONTRACT WITH THEM WHATSOEVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: AZ

Complaint narrative:
INACCURATE, INCOMPLETE AND LEGALLY UNENFORCEABLE INFORMATION. i HAVE NEVER CONTRACTED WITH THIS COMPANY OR ENTERED INTO ANY CONTRACT WITH THEM WHATSOEVER.

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 2025-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Upon reviewing my XXXX tax transcript, I found out that the lender financing my car loan ( Navy Federal Credit Union ) had filed a 1099-C ( cancelation of debt ) with the IRS on XX/XX/XXXX. It was only couple of weeks later after my car loan was funded on XX/XX/XXXX. The debt was discharged before the first payment was due. The amount of debt discharged was {$55000.00}. Upon discovering this fact I contacted Navy Federal Credit Union and spoke to both a representative and a supervisor over the phone and requested a release of lien and to have the title delivered to me. The supervisor instructed me to send a letter to their collection department. I sent a letter per their instructions to the address they provided on XX/XX/XXXX. I received their response by mail later that month. They refused to send me the title or release the lien and would not look into it any further. I have now been making regular monthly payments on this loan for 2 years now totaling {$18000.00} to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been advised and contacted inside and outside JPMorgan Chase on a successful mortgage assistance application and a successful modification that my agreed upon payment would not be accepted because of potential fraud and equity theft my payment of {$640.00} was ready on XX/XX/XXXX as agreed upon but I discovered despite successful completion of the programs that my accounts were frozen I have placed my entire JP Morgan Chase account and dispute and the escrow in dispute but they refuse to research and honor the agreement and successful completion of mortgage assistance please help me as soon as possible due to foreclosure paperwork filed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX DOB : XX/XX/XXXXXXXX  XXXX Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Request for Deletion To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report prepared by Experian. Upon review of my credit file, I noticed an entry from XXXX listed as a charge-off in the amount of {$370.00}, with an on record until XX/XX/XXXXXXXX  notation ( Account Number ending in XXXX ). This information is inaccurate, incomplete, and legally unverifiable under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Grounds for Dispute : 1. No IRS Form 1099-C Issued : A charge-off typically indicates a debt has been canceled or forgiven, triggering a requirement under IRS regulations for the creditor to issue a Form 1099-C, Cancellation of Debt. To date, I have not received any such form from XXXX, meaning the debt has not been lawfully canceled or forgiven. Reporting this account as a charge-off is therefore inaccurate and misleading. 
2. Violation of FCRA Accuracy Standards ( 15 U.S.C. 1681e ( b ) ) : The FCRA requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Reporting a charge-off without the proper cancellation documentation constitutes incomplete and unverifiable reporting. 
3. Requirement to Delete Unverifiable Information ( 15 U.S.C. 1681i ) : Under the FCRA, if an account can not be fully verified, or if the information is incomplete, it must be corrected or deleted from the credit file within 30 days of a dispute. Since no 1099-C was provided and the balance continues to show as outstanding ( {$370.00} ), the reporting is inconsistent and can not be verified as accurate.

Requested Action : I respectfully demand that Experian delete the XXXX charge-off account from my credit report immediately, as it is inaccurate, incomplete, and unverifiable under the FCRA. 

Please conduct a full reinvestigation into this matter. If XXXX can not provide documentation showing the debt was validly charged-off in compliance with IRS and FCRA requirements ( including a copy of a 1099-C ), this account must be permanently removed from my credit file. 

I request written confirmation of your findings and the results of your reinvestigation within the timeframe allowed by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against BARCLAYS BANK DELAWARE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. BARCLAYS BANK DELAWA 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 explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the unlawful reinsertion of a previously deleted and inaccurate account on my consumer credit report. Your actions constitute multiple willful and negligent violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of the Disputed Account Account Number : 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 XXXXXX/XX/year> Account Name : 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, INQUIRY Details of the Disputed Inquiries Inquiries : XXXX. XXXX XXXX - XX/XX/year> Details of Personal Information Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX This account was previously deleted following my prior dispute, yet you have reinserted it without providing the legally required notice or proof of certification from the furnisher of information. This reinsertion is both unlawful and damaging to me.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
Creditor : US Bank Account Type : Secured Credit Card ( Open-End Credit Plan ) Account Number : XXXX Status : Paid, Closed Date Opened : XX/XX/XXXX Date Closed/Updated : XX/XX/XXXXXXXX  Complaint : I am filing this complaint because US Bank and XXXX  have reported late payments on my U.S. Bank Secured Card account . However, under the Truth in Lending Act, 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has mailed or delivered the billing statement at least 21 days before the payment due date. 
US Bank has failed to provide documentation proving that billing statements were mailed or delivered to me 21 days prior to the due date for the months reported as late. Without this proof, the late payment reporting is unlawful, inaccurate, and must be deleted from my credit file. 
This failure also constitutes a violation of the Fair Credit Reporting Act ( FCRA ), because inaccurate and unverified information is being furnished and reported to the credit bureaus, causing harm to my credit profile. 
Fair Resolution Requested : 1. Immediate deletion of all late payment notations associated with this account.

2. Permanent correction of my credit file across XXXX, XXXX, and XXXX. 3. Written confirmation from US Bank and XXXX  that the negative information has been permanently deleted and will not be reinserted without full compliance with 15 U.S.C. 1666b.

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 2025-09-26 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: GA

Complaint narrative:
CFPB Complaint Draft 1. Issue Category : Credit reporting Incorrect information on my credit report ; identity theft ; failure to investigate and correct errors.

2. Description of Complaint : I am the victim of identity theft and multiple national data breaches ( Equifax XXXX, XXXX XXXX, Experian XXXX ). Fraudulent accounts have been opened in my name and inaccurate, unverifiable information continues to appear on my credit reports. 

Despite submitting disputes, an FTC Identity Theft Report ( ID XXXX, dated XX/XX/XXXXXXXX  ), and a police report, the credit bureaus ( TransUnion, Experian, Equifax, XXXX ) have : Failed to block fraudulent accounts within four ( 4 ) business days as required by FCRA 605B ( 15 U.S.C. 1681c-2 ). 

Reinserted previously deleted information without proper 5-day notice or furnisher certification in violation of FCRA 611 ( a ) ( 5 ) ( B ).

Reported conflicting and inaccurate tradeline information across bureaus ( dates, balances, status codes ). 

Continued to list outdated/unauthorized addresses, names, and identifiers despite repeated personal information update requests. 

Failed to provide a full Method of Verification ( MOV ) for disputed accounts in violation of FCRA 611.

Allowed inaccurate late-payment histories to remain despite evidence of identity theft and contradictory reporting. 

Tradelines in Dispute : XXXX XXXX ( Account ending XXXX ) : Closed account, but bureaus show inconsistent last-reported dates, comments, and a disputed 30-day late in XX/XX/XXXXXXXX  without supporting billing records. 

XXXX XXXX ( Account ending XXXX ) : Listed as closed due to inactivity while simultaneously showing 30150 day late payments and a past-due balance of {$430.00}, which is contradictory and misleading. 

These actions violate FCRA 607 ( b ), 609 ( a ) ( 1 ), 611, 611 ( a ) ( 5 ) ( B ), 605B, and Metro 2 reporting standards.

Company response to consumer: Closed with non-monetary relief