vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Create me a dispute letter for 15usc1681-2 and also included the national public data breach also include all fraudulent inquiries from these companies below and or negative items listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-22 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:
To whom it may concern, I am writing in reference to my previous dispute dated XX/XX/year> concerning the alleged account ( s ) appearing on my credit report, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your prior response failed to provide adequate verification or proper documentation to substantiate the reporting of this account. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I am demanding a full and proper investigation into this matter.

Specifically, I am requesting documentation including : 1. Original signed contract or promissory note.

2. Complete chain of custody / assignment of rights.

3. Proof of securitization, pooling, or sale of the account.

4. Full payment history.

5. Documentation of interest capitalization, settlements, or modifications.

6. Authorization agreements for reporting this account.

If the furnisher can not produce competent evidence, the account must be deleted. Continued reporting of unverifiable information constitutes willful noncompliance under the FCRA.

I expect a full reinvestigation within 30 days. If unverifiable, delete the account.

Sincerely Kindly see attached letter : Notice of Intent to Sue Re : Notice of Intent to Sue Inaccurate Credit Reporting / Failure to Validate Account No : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This letter serves as formal Notice of Intent to Sue pursuant to the FCRA ( 15 U.S.C. 1681 et seq. ) and FDCPA ( 15 U.S.C. 1692 et seq. ), regarding your continued reporting and/or collection activity related to the above-referenced account.

Despite multiple disputes, you have failed to provide competent evidence. Instead, you continue to report or attempt to collect on this unverifiable debt. This conduct constitutes : 1. Violation of FCRA 1681i failure to conduct a reasonable reinvestigation.

2. Violation of FCRA 1681s-2 ( b ) continued reporting without verification.

3. Violation of FDCPA 1692g failure to validate the debt.

I am prepared to initiate legal action seeking statutory and actual damages, attorneys fees, and injunctive relief.

You have 15 days from receipt of this notice to : 1. Permanently delete the disputed account from my credit file ( s ) ; and 2. Provide written confirmation of deletion.

Failure to comply will result in legal action without further notice.

Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit file. 

The account in question is a XXXX XXXX XXXX credit card ( opened XX/XX/XXXX, charged off in XX/XX/XXXX for {$4600.00}, balance {$0.00} ). This account was scheduled to be deleted in XX/XX/XXXX under the 7-year reporting limit. 

I requested an early exclusion, which the credit bureau allows within a few months of the fall-off date. Instead of removing the account, the bureau only updated the file by deleting the On Record Until date, while continuing to report the account as a charge-off. 

This reporting is misleading and incomplete. The account is still being shown as a negative item, but without the correct fall-off date information. This creates confusion and does not accurately reflect my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: IA

Complaint narrative:
I should be entitled for my money back. They are not honoring their warranty or any of the remedies that are stated in the paperwork. What's going on also falls under the magnuson moss implied warranty act as well. I tried to get them to fix it for over 2 months, I tried to get them to give me a replacement vehicle, I tried to get them to give me my money back. They ended up offering to let me out of the loan. Than I'm out XXXX dollars with nothing to show for it and I barely was able to even drive the vehicle. I just resigned the paperwork less Than 3 months ago after they had title issue. I also did XXXX in repairs but the transmission was causing those issues as well and it should be covered. I got the run around to the max. They are committing fruad in my opinion. I'm not a lawyer though and I'm out of options. I know what they are doing is beyond wrong and illegal I just don't know how to make them fix the situation in a fair way. The are offering to just let me out of the loan put I get none of my money back and they still plan on fixing the vehicle they said! They just won't fix it for me! I have been nothing but polite to them until now. I can't even say this is impolite. I'm out of options and need help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
Complaint Summary : FirstBank 's delay in approving my amended construction loan ( XX/XX/XXXX- XX/XX/XXXX ) forced us into severe financial hardship. XXXX stopped for 9 months, yet we had to keep paying up to $ XXXX in combined rent and mortgage. Before XX/XX/XXXX agreement, we incurred : {$310000.00} borrowed against business rental property ( told it would be added into permanent financing ) {$74000.00} in interest paid to FirstBank in XXXX alone. After XX/XX/XXXX agreement, we continued to experience financial strain ( retirement withdrawals, credit card debt, stock sales, double housing costs ). At the time, we did not ask for assistance during the agreement because we were focused on securing enough funds to finish the home. To date, FirstBank has never acknowledged or addressed the financial harm caused by their delay, and they did not respond to my XX/XX/XXXX letter giving 14 days for a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Tilt Finance, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Tilt regarding their refusal to remove my personal bank account information from their system despite my explicit request. 

On XX/XX/year>, XX/XX/year> and XX/XX/year> I contacted Tilt to request the permanent deletion of my bank account details. Tilt denied my request, by a people name XXXX stating only that it is We are legally required to retain certain customer information for a period of time, but we will delete the data in accordance with our data deletion practices. They did not provide any citation of the specific law requiring retention, nor did they disclose the length of time my information would be stored or the protections in place to safeguard it. 

This raises serious concerns about consumer privacy, financial data protection, and compliance with applicable laws. While I understand that financial institutions may need to retain certain transaction records for regulatory purposes, Tilts blanket refusal to honor my request without transparency leaves me vulnerable to unnecessary risk of fraud and identity theft.

Specifically, I am concerned that : 1. Tilt has not provided a clear explanation of its legal basis for retaining my bank account information.

2. Tilt has not disclosed how long my sensitive data will be kept or whether it will ever be eligible for deletion.

3. Tilts practices may violate consumer privacy rights and fail to adequately protect sensitive banking details.

I am requesting that the CFPB investigate Tilts data retention practices to ensure they are compliant with federal consumer financial protection laws and that they are not unfairly retaining consumer banking data without proper justification or safeguards.

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit file. 

The account in question is a XXXX XXXX XXXX credit card ( opened XX/XX/XXXX, charged off in XX/XX/XXXX for {$4600.00}, balance {$0.00} ). This account was scheduled to be deleted in XX/XX/XXXX under the 7-year reporting limit. 

I requested an early exclusion, which the credit bureau allows within a few months of the fall-off date. Instead of removing the account, the bureau only updated the file by deleting the On Record Until date, while continuing to report the account as a charge-off. 

This reporting is misleading and incomplete. The account is still being shown as a negative item, but without the correct fall-off date information. This creates confusion and does not accurately reflect my credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my credit file. 

The account in question is a XXXX XXXX XXXX credit card ( opened XX/XX/XXXX, charged off in XX/XX/XXXX for {$4600.00}, balance {$0.00} ). This account was scheduled to be deleted in XX/XX/XXXX under the 7-year reporting limit. 

I requested an early exclusion, which the credit bureau allows within a few months of the fall-off date. Instead of removing the account, the bureau only updated the file by deleting the On Record Until date, while continuing to report the account as a charge-off. 

This reporting is misleading and incomplete. The account is still being shown as a negative item, but without the correct fall-off date information. This creates confusion and does not accurately reflect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a female walked into the XXXX XXXX of Chase Bank at XXXX pm for her scheduled appointment. She attempted to open a checking account but was denied for reasons not disclosed. Since I had a checking account in good standing I asked XXXX of the supervisors at near the XXXX XXXX. XXXX XXXX XXXX entrance if she could sign the check over to me and I would sign, and deposit in my account. She stated as long as both persons had the proper identification. We then walked to the teller at the window to follow the instructions of the supervisor who first asked if we wanted to move forward with the deposit, or maybe try a check cashing place because there would be a 10 day hold. We both agreed it would be safer, and at no cost to stay with Chase, deposit the check and come back XX/XX/year> when the funds would clear. My female friend presented her XXXX  I.D . card to the teller, then endorsed the check to me, I presented my I.D . and the Government issue check for {$7000.00} was deposited. Before the 10 days passed, and after the funds were verified my account was frozen, never was told for what reason. I was then told the only way I would be able to access the funds is to return with my female friend. She had no desire after being declined to open an account to speak with anyone there, and why is this person given authorization or authority, to approve my ability to access my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am a victim of identity theft. A Capital One Bank account was opened, used, and securitized without my knowledge or authorization. The I

RS Wage & Income Transcript for XXXX  shows a Form 1099-C issued by Capital One Bank , indicating cancellation of this unauthorized account. I never applied for or authorized this account, nor did I consent to its securitization or securitized sale as an asset. Despite prior disputes and identity theft notices, Capital One Bank continues to furnish this account t o XXXX, XXXX, and XXXX. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block identity theft information, and the furnisher obligations under 15 U.S.C. 1681s-2, which prohibit reporting information known to be inaccurate.

In addition, Capital One Bank appears to be maintaining internal records of this fraudulent account to deny me future credit applications. Even though the account was cancelled, I am being penalized by a do not lend status tied to my SSN. This practice further harms my credit access and constitutes unfair treatment of an identity theft victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1400.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$490.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$810.00} INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation