vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: UT

Complaint narrative:
Multiple unauthorized debit card transactions were made on my checking account beginning on or around XX/XX/year>. I did not authorize these transactions and did not provide my debit card or PIN to anyone. 

I promptly reported the fraud to U.S. Bank and for this reason filed a police report ( Police Report No. XXXX ). Despite this, the bank has repeatedly denied my disputes, alleging PIN usage, without providing concrete evidence that I personally authorized or performed these transactions. 

I do not have the debit card in my possession and have consistently communicated this to the bank. U.S. Bank has also acknowledged that my account was compromised and that there were prior fraud attempts on my accounts, making their denial inconsistent and unsupported. 

This is not an isolated incident. I already have an open CFPB complaint regarding similar unauthorized transactions on this same account, and the bank has continued to deny claims despite the ongoing pattern of fraud. 

I am a mother of a minor child and am currently experiencing significant financial hardship due to the banks failure to properly investigate and provide provisional credit for these unauthorized transactions. This has directly impacted my ability to cover essential living expenses, including housing and food. 

In accordance with Regulation E ( 12 CFR 1005.11 ), I am requesting : Documentation and concrete evidence supporting the claim that I authorized these transactions A full, compliant investigation Immediate issuance of provisional credit as required by law I am attaching screenshots of the unauthorized transactions and the police report in support of this complaint. 

Account number : XXXX Debit Card Number : 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 2025-12-16 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: AZ

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
ON XX/XX/year> SENT OUT DISPUTE LETTER TO DISPUTE SEVERAL ENTRIES ON MY CREDIT REPORT UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) ASK TO CONDUCT PROPER INVESTIGATION. ( FRE ) RULE 1002 WHICH MANDATES THE PRODUCTION OF ORIGINAL DOCUMENT TO PROVE ITS CONTENTS. AS THE CERTIFICATED SECURITY HOLDER OF MY ESTATE DEMAND AN UPDATED CREDIT FILE WITH CORRECTED INFORMATION DELETE ALL INQUIRIES, INACCURACIES ADDRESSES ON FILE. COMPANY ALREADY FAILED TO COMPLY WITHIN THE 30 DAYS OF RECEIVING LETTERS. NEXT, I WILL PURSUE ALL AVAILABLE LEGAL REMEDIES

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 2025-12-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for severe violations of the Fair Credit Reporting Act ( FCRA ). These companies are reporting blatantly inaccurate and contradictory information about my XXXX XXXX  XXXX account ( ending in XXXX ) and have completely failed to conduct a reasonable investigation for over eight months, despite my providing irrefutable proof. 

The core violation is that all three credit bureaus are reporting information they know or should know is inaccurate. I possess a signed and sealed letter from XXXX XXXX  XXXX, the original furnisher, which officially certifies that this account was " Paid in Full. '' This is concrete documentary evidence that directly contradicts what is on my reports. I mailed this proof to all three bureaus via certified mail more than eight months ago. 

Despite this direct evidence from the furnisherwhich triggers their duty under FCRA 1681s-2 ( b ) to conduct a reasonable investigationthe bureaus have willfully ignored it. This failure to correct the information after being provided with definitive proof violates my rights under FCRA 1681i. The law does not allow for " verification '' that consists of simply asking the furnisher again while ignoring the consumer 's contrary evidence, as established in precedent cases like XXXX v. XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
NOTICE OF WILLFUL NON-COMPLIANCE ( 15 U.S.C. 1681n ) & DEMAND FOR DELETION I am filing this formal complaint against Capital One for willfully furnishing materially false, contradictory, and legally impossible data to the Credit Reporting Agencies ( CRAs ), in violation of FCRA Section 623 ( a ) and Section 607 ( b ). 

I have conducted a forensic audit of my credit files. Capital One is maintaining a trade line that contains fatal data corruption errors, rendering the entire record legally unverifiable. 

IRREFUTABLE EVIDENCE OF DATA CORRUPTION ( See Attachments ) : FACTUAL IMPOSSIBILITY ( The " XXXX 's Payment '' Paradox ) : XXXX  reports a payment summary of " Late Payments : XXXX  Days - XXXX, XXXX Days - XXXX, XXXX  Days - XXXX '' ( See attached screenshot ). 

XXXX  & XXXX simultaneously report the account was " XXXX  Days Past Due '' in XX/XX/year> ( See attached screenshots ). 

VIOLATION : It is factually impossible for the consumer to have " XXXX Late Payments '' on XXXX bureau and be " XXXX Days Delinquent '' on another for the exact same month. Capital One has furnished falsified data to at least XXXX CRA. This inconsistency proves the furnisher 's records are unstable and fail the " Maximum Possible Accuracy '' standard. 

XXXX XXXX COMPLIANCE VIOLATION ( Field 17A/B Error ) : XXXX  displays XXXX Terms Frequency : MONTHLY '' ( See attached screenshot ). 

This account is a closed Charge-Off with a {$0.00} balance. Under XXXX  XXXX XXXX standards, a charged-off account must not report active repayment terms. Reporting " Monthly '' terms falsely simulates an active contractual obligation, artificially depressing my credit score. 

LEGAL DEMAND : Capital One has demonstrated systemic failure to maintain data integrity for this account. Because the data is mutually exclusive across bureaus, verification is impossible. You can not verify " XXXX Lates '' on XXXX and " XXXX Days Late '' on XXXX simultaneously without committing perjury. 

To cure these violations and avoid further escalation regarding willful non-compliance penalties, I demand the IMMEDIATE AND PERMANENT DELETION of this trade line from Equifax, Experian, and TransUnion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am filing this complaint to formally dispute the reporting and attempted collection of multiple accounts appearing on my consumer credit reports. The entities listed below are reporting and/or attempting to collect alleged debts without producing legally required proof that the debts are valid, owed by me, collectible, accurately stated, or that they have legal standing or authority to collect from me. Despite lawful disputes, these entities have failed to provide competent evidence demonstrating : That I owe the debt to the creditor as named That the amount claimed is accurate and lawfully calculated That the alleged debt is legally collectible and not time-barred That they possess lawful ownership or authority to collect That they have a permissible purpose under the Fair Credit Reporting Act That they are properly licensed or authorized to collect debts from a consumer residing in XXXX, Maryland They have also failed to provide a complete chain of assignment, including : A bill of sale for each transfer or assignment Proof that my specific account was included in each sale Documentation showing that each transfer legally authorized collection and credit reporting Without this documentation, the alleged debts are unverified, unenforceable, and unlawfully reported, in violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This collection account reported by XXXX XXXX XXXX for an alleged {$990.00} balance from XXXX XXXX is NOT mine and constitutes multiple violations of the Fair Credit Reporting Act ( FCRA ). 

I have never opened, authorized, signed, benefited from, or had any relationship with this creditor. This is a false, unverified, and unlawful reporting of a debt that does not belong to me. 

The furnisher is reporting : Account # : XXXX Placed in collections : XX/XX/year> Last verified : XX/XX/year> Reported balance : {$990.00} with a {$0.00} Original Balance ( internally contradictory and impossible ) FCRA VIOLATION 1681s-2 ( a ) : The furnisher is reporting information they know or should reasonably know is inaccurate. A {$990.00} owed balance with a {$0.00} original balance is an inherently invalid data structure and a clear sign of mixed file, data contamination, or negligent reporting practices. 

FCRA VIOLATION 1681e ( b ) : The credit bureaus are required to maintain maximum possible accuracy. Reporting an account that does not belong to me and that contains contradictory balances is a direct violation of this requirement. 

FCRA VIOLATION 1681i ( a ) : Upon dispute, the furnisher must conduct a reasonable reinvestigation. Because no contract, no signed agreement, no proof of benefit, and no chain of assignment exists, the account can not be legally verified. Continuing to report it is unlawful. 

FCRA VIOLATION 1681s-2 ( b ) : Once notified of my dispute, the furnisher must provide verifiable evidence supporting the validity of the account. They can not verify what does not exist. 

I am demanding an immediate deletion of this account from ALL credit bureaus. 

The furnisher MUST provide : A legally valid, original contract containing my signature Evidence that I used, received, or benefited from this alleged account A complete chain of custody/assignment of the debt If XXXX & XXXX XXXX XXXX can not produce these documents, the account MUST be removed immediately as required by federal law. 

This false reporting is causing measurable financial damage, obstructing credit opportunities, and harming my ability to access essential financial services. 

Please record this as a formal notice of multiple FCRA violations. If this inaccurate information is not corrected and deleted promptly, I will escalate this matter through additional regulatory channels and pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
An international money transfer of XXXX XXXX was sent via Western Union on XX/XX/year> ( MTCN XXXX ). Western Union states that the funds were successfully deposited on XX/XX/year> with no rejection. 

However, the receiving bank has repeatedly confirmed that no funds were received and that the transaction can not be traced without an official XXXX confirmation document showing routing and XXXX details XXXX 

Since XXXX, I have contacted Western Union multiple times and opened several cases ( including XXXX XXXX and related cases ). I provided bank statements showing non-receipt of funds. Despite this, Western Union has only provided email transaction summaries, not the official XXXX PDF required to trace the transfer. 

After several weeks, the issue remains unresolved. I am requesting that Western Union either provide the complete XXXX document or issue a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
Subject : Incorrect Address Reporting, Unverified Collection Account, and Inaccurate Late Payments Request for Full Deletion I am filing this complaint because multiple companies are reporting inaccurate and unverifiable information on my credit reports, including an address that does not belong to me. This has resulted in incorrect negative reporting that violates the Fair Credit Reporting Act ( FCRA ). 

1. Wrong Address Being Reported The following incorrect and unfamiliar address has been placed on my credit reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I have never lived at this address, and it is not connected to my identity in any way. 
My correct and only address is : XXXX XXXX XXXX XXXX XXXX, TN XXXX Because of this identity mismatch, any account tied to the incorrect address is inaccurate, incomplete, and unverifiable under FCRA 611 & 623. 

2. LVNV Funding LLC Unverified Collection Account LVNV Funding is reporting a collection account tied to this incorrect address. 
I previously requested validation, but they have not provided : Proof that the account belongs to me Proof I lived at the address they are reporting The original signed agreement A full accounting of the alleged debt Chain of title or legal ownership Without this documentation, the reporting is unverified and inaccurate. 

I am requesting that the CFPB require LVNV to either : a ) Provide complete validation and proof of accuracy, or b ) Delete the account from all credit bureaus immediately. 
3. XXXX XXXX Inaccurate Late Payments XXXX XXXX is reporting late payments under my name, XXXX XXXX XXXX, and they are also inaccurately connected to the same incorrect XXXX XXXX address. 

Additionally, this account also involves my wife, XXXX XXXX, who likewise has never lived at that address. 

Under the FCRA, furnishers must ensure that all personal and account information is accurate and verifiable. 
PNCs reporting is tied to an identity/address mismatch and is therefore : Inaccurate Misleading Unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: WA

Complaint narrative:
The account shown is wrongly attributed to me and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-16 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
I am filing this complaint regarding unreasonable delays, shifting underwriting requirements, and discriminatory treatment during my FHA mortgage application with Guaranteed Rate, IncXXXX ( XXXX XXXX ). 

I received an initial conditional loan approval dated XX/XX/year>. The conditions at that time required standard items, including paystubs, letters of explanation, and employment/income verification. I timely provided all requested documentation. 

During underwriting review, Guaranteed Rate questioned minor variations in hours on two paystubs. I provided written explanations, and the lender acknowledged that I had recently returned from maternity leave. In XXXX, the loan officer explicitly acknowledged in writing that some paystubs reflected maternity leave. 

After I supplied a stub from a time when I was on maternity leave at the lenders request the lender escalated the file to manager review and then introduced a new requirement that did not previously exist : a condition requiring three consecutive paystubs showing XXXX hours worked per week. 

This requirement is impossible for borrowers returning from maternity leave and is not required under FHA guidelines. It also contradicts my union employment structure, where full-time status does not require XXXX hours worked every week. These paystubs do not exist, and the lender is effectively conditioning approval on future documentation. 

Despite having all available documentation ( including a VOE from my employer ) prior to my scheduled closing date of XX/XX/year>, Guaranteed Rate has refused to issue a final underwriting decision ( approval or denial ) and instead continues to add new conditions and delay the process. I have clearly stated in writing that I will not extend my contract and that future or non-existent documents can not be provided. 

The lenders actions appear to be discriminatory, as the new conditions arose only after maternity leave was discussed and disproportionately impact borrowers returning from XXXX-related leave. At minimum, this constitutes unreasonable delay and moving underwriting standards mid-process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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