vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$570.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account 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 2025-12-22 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: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} Inquiries [ No inquiries listed for TransUnion ] Late Payments XXXX XXXX XXXX Account 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 2025-12-22 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: TX

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the accounts below : XXXX XXXX XX/XX/year>

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 2025-12-22 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: MS

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year> I paid {$120.00} to XXXX XXXX XXXX XXXX for a Game Boy Advance console service. The work I requested was a shell swap ( cracked shell ) and speaker replacement to fix low audio, with the understanding the console would be returned working. The shop verbally quoted a bundled price of about {$100.00} at pickup, then later changed pricing and ultimately charged {$120.00}. 

During the service, the console went from functioning to not powering on. The shop gave multiple conflicting explanations for the failure ( e.g., pre-existing damage, bridged pins, capacitor issue, fuse issue ), but could not consistently demonstrate these claims. They later admitted the power switch area was damaged during the shell installation and the board could not be restored reliably, so they replaced the motherboard to return a working unit. They initially offered a reduced price ( about {$80.00} ) due to the damage, but then removed discounts and charged the full amount when I requested the damaged original board/removed parts back ( they did not want to return my original board because they wanted to keep it for parts ). I had to argue to get my property returned. 

I disputed the {$120.00} charge with Capital One because the service was not provided as agreed, the device was damaged during repair, pricing/discount terms were changed after the fact, and the shops explanations were inconsistent. I provided written statements and supporting photos. Capital One closed the dispute as customer responsible stating there was a valid merchant response, but did not clearly identify what evidence the merchant provided or what specific documentation was missing, and directed me to resolve it with the merchant. 

I am requesting that Capital One provide the merchants response/evidence used to deny my dispute, reopen the dispute, and conduct a fair review considering that the service involved damage caused during repair and pricing changes tied to my request to receive my original parts back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX failure to properly investigate reported fraudulent activity on my account and its decision to close my account while holding me responsible for fraudulent charges.

My Navy Federal account was compromised, resulting in an unauthorized withdrawal of {$1000.00}. I promptly reported this transaction as fraudulent. As a direct result of this unauthorized activity, my account incurred {$580.00} in overdraft fees. These charges and fees were not the result of any actions taken by me.

Despite my report and cooperation, Navy Federal did not conduct a reasonable or thorough fraud investigation. Instead, the only action taken was the closure of my account. The account was closed with a remaining balance, which I dispute in full, as it is entirely attributable to fraudulent transactions and related overdraft fees. 

Navy Federal did not provide documentation, findings, or a clear explanation demonstrating that a proper investigation was completed, nor did it appropriately credit my account as required when fraud is reported. Had a proper investigation been conducted, it would have been evident that the transactions were unauthorized.

I believe Navy Federal failed to exercise due diligence, improperly denied my fraud claim, and wrongfully held me financially responsible for losses caused by unauthorized activity. I am requesting that this matter be reviewed, the fraudulent charges and overdraft fees be reversed, and the disputed balance and account closure be corrected accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-12-22 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
I was called by a " debt collector '' at XXXX for XXXX mins, by a XXXX XXXX with IQ data international. number he called from was XXXX, gave me a number to call back of XXXX ext XXXX. I was verbally assaulted and threaten to pay 10 % or full amount of debt. i was bullied into paying this man anything before hanging up I was worried bc he had all my updated information that he could/would do with. I was crying over the phone confused on what the call was about, I was talked down to, belittled, bullied and so many more things. after the call I had a severe panic/anixety attack. Words that were spoken to me you can't pay my client but you can live your best life '' other things said like you hang up or end the call, you will not like what happens next '' * in a demanding voice * " you are so selfish and ignorant '' * muiltple times that was said * " you think your all that for not paying my client '' " I mentioned I was at work and continued to be threaten and after my panic/anxiety attack I had to leave work early. i am not ok with how I was treated and was terrified to end the call due to him knowing my home address. this is not ok to be treated this way. I never want to be contacted by that rep every again and spoken to they way I was. it is not ok. he told me I had to pay XXXX XXXX  to " insure '' I've given my word. I HAD NO MONEY TO SPARE, but was told he will take this to the next step " if you don't pay '' after I repeatedly told him I cant, I think I was scammed into paying a XXXX XXXX. I was scared for my life. I am disgusted by how this went, I am disgusted by how he treated me and how he WAS NOT understanding of the whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime denied my Regulation E fraud/extortion dispute for a {$2500.00} unauthorized debit card transaction on XX/XX/year>. I was extorted by scammers impersonating law enforcement with a fake arrest warrant and threats of immediate arrest. I reported same-day, uploaded the fake warrant/invoice/police report, and clarified it was made under duress. Chimes denial violates Reg E protections for coerced transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am demanding the immediate removal of a false address currently being reported on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have disputed this address multiple times, yet it continues to be reported without correction or proper investigation. My only valid address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. Continuing to report inaccurate personal information violates the Fair Credit Reporting Act, including the requirement to maintain maximum possible accuracy. This ongoing error is causing damage to my credit profile and must be resolved immediately.

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 2025-12-22 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: AL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my credit report. The accounts listed below are being reported inaccurately and I request that they be corrected or removed from my credit report. These disputes are based on multiple inaccuracies, including but not limited to incorrect reporting of payment history, late payments, charged-off accounts, and outdated information. The accounts in question are separated by the respective credit bureaus : Experian ( EX ), Charged Off Accounts : DPT EDXXXX, XXXX, XX/XX/XXXX, {$790.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$790.00} DPT ED/XXXX, XXXX, XX/XX/XXXX, {$8200.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$6000.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$10000.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1400.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$5500.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$4800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$5700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$1200.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$3800.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2700.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$2500.00} DPT EDXXXX, XXXX, XX/XX/XXXX, {$4900.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$1200.00} Inquiries : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments : 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 2025-12-22 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I lost my job eariler this year and bank of america refused to work with me, I ended up getting up on a payment plan for {$120.00} a month and they are still charging me late fees on my account even though I am making monthly payments even though, I am on a payment plan, they also closed my credit cards accounts ( without even telling me ) and are still charging me late fee 's with accounts closed and told me that I would be charged with late fee 's even though I am making payments because the account is not current.

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 monetary relief
Consumer complaint received 2025-12-22 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: NM

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-22 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: IL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency Ally Financial # XXXX & Ally Financial # XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation