vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
I had a Discover Bank credit card account that was charged off with a balance of approximately {$2700.00}. In XX/XX/year>, I contacted Discover to arrange payment on this debt, and a Discover representative informed me that Discover no longer owned the account and referred me to a collection agency, XXXX and XXXX XXXX for further handling. I then contacted the debt collector, which confirmed that they now own the debt and stated they would only accept payment in full for the {$2700.00} balance. 

Despite this, Discover Bank is inaccurately reporting this account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Although the debt was sold, Discover continues to report the account to all credit bureaus as if it were active, with an outstanding balance of {$2700.00}, and marks it as past due each month through at least XX/XX/year>. This makes the account appear open with a balance owed when it should not. Since Discover sold or transferred this account, it should not be reporting a current balance or past-due status. Once an account is sold to another entity, the original creditors balance must be updated to {$0.00}. Continuing to report a balance after a debt has been sold is inaccurate and not permitted. Under the FCRA, furnishers of information must report truthfully and accurately, and they may not furnish information they know or should know is inaccurate. Discover was aware that it no longer owned this debt, yet it has been reporting the account as if I still owe the balance, which is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-02 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: GA

Complaint narrative:
Please remove this account from my credit report because its Fraud open without my knowledge Police report attached and i will be filling with social security office and changing my driver license number and filing with CFPB. 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 2025-09-02 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: GA

Complaint narrative:
Please remove this account from my credit report because its Fraud open without my knowledge Police report attached and i will be filling with social security office and changing my driver license number and filing with CFPB. 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 non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I have no ties to these fraudulent accounts. I ask for immediate removal from my record and a comprehensive investigation. Enclosed are supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing this complaint against Capital One as the issuer of the Venture X card, which includes trip delay insurance coverage administered by XXXX XXXX XXXX  ( via XXXX ). 

While the underlying issue involves XXXX mishandling of my trip delay reimbursement claim, Capital One is the card issuer and responsible for ensuring the proper delivery of the advertised benefit. 

XXXX ( XXXX ) has selectively ignored receipts, lost my original submission, misrepresented documentation I provided, and attempted to underpay a valid claim based on an irrelevant technicality. Capital One has not resolved this issue despite my request for escalation. 

I am requesting that Capital One ensure full reimbursement of my covered expenses and review XXXX 's conduct as their designated benefit administrator. 

I submitted a trip delay reimbursement claim under my Capital One Venture X card, which includes travel protections administered by XXXX XXXX XXXXXXXX XXXX XXXX. The claim stemmed from an airline delay on XX/XX/year>, resulting in an overnight stay, meals, and transportation expenses. I submitted all required documentation, including : Original and updated flight itineraries Delay confirmation from XXXX XXXX XXXX Credit card billing statement Receipts for hotel, rideshare, and meals The total claim amount was {$510.00}, and I clearly indicated that I was requesting the policy maximum of {$500.00}. 

Despite providing an itemized meal receipt reissued by the restaurant ( dated XXXX ) to support the original XXXX charge receipt that wasn't itemized but showed a total of {$73.00} including tip, the examiner, XXXX XXXX XXXX, insisted on reducing the meal reimbursement by {$23.00}, claiming the reissue date invalidated the expense, despite my explanation showing the charge occurred during the covered delay. 

I followed up with this itemized receipt copy after XXXX insisted on a itemized receipt. 

In addition, I was informed by a phone representative on XXXX that none of my original receipts were on file, meaning they were lost by the claims administrator. I had to resubmit all receipts, and despite doing so, I continue to receive inconsistent and incomplete responses. 

This process has now gone on for over three weeks, and I am being subjected to unreasonable documentation demands, unexplained reimbursement reductions, and what appears to be bad-faith claims handling. I have since escalated through eclaims customer service and Visa.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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: CA

Complaint narrative:
Unauthorized accounts are being reported on my credit report. I never opened or approved these accounts and had no knowledge of their existence. These entries are incorrect, and the information being reported varies between the credit bureaus.

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 2025-09-02 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: DC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a comp

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 2025-09-02 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: SC

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 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 2025-09-02 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: SC

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 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 2025-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
The cash store in XXXX new mexico is trying to sue me for a loan obtained in XXXX or possibly XXXX the 7 year statute is over they are trying to garnish my wages this debt is 13 years old i have not made any payments if my wages are garnished i will loose my job

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I'm currently going through the mortgage process for a new home. We are getting close to closing so I'm keeping an eye on all my credit scores. On XXXX XXXX XXXX  showed my balance on a personal loan increasing close to {$10000.00}. My current balance is XXXX and they have my balance at {$15000.00}. I called XXXX  and explained this was impossible with a personal loan, but was ignored. I called Pen Fed Credit Union who the account is with and they informed me there was a computer error and account balances were sent out to credit agencies with the wrong balance. I explained to them that we were getting ready to close on a new home and the mortgage company would be doing a hard inquiry. I asked for documentation to show my scores are in error, in order to show the mortgage company but they would not provide any. This error was not made by me and it can affect my future if I'm denied this mortgage because of Pen Fed 's error. I have a closing date of my current property of XXXX. If I close on my current property sale and denied my mortgage for my new home I'll have no where to live. Any help would be greatly appreciated.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: VA

Complaint narrative:
I keep receiving a scam-like messages from XXXX saying the following : Make your payment before your JEFFERSON CAPITAL SYSTEMS LLC account is returned to our client. Check out your options at XXXX XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector. Reply stop to opt-out. I dont know this company or any debt. I keep reporting as junk, but texts keep appearing in my inbox, and they all have a sense of urgency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are several inaccurate negative accounts on my credit report

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 2025-09-02 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: GA

Complaint narrative:
There are several inaccurate negative accounts on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XX/XX/year> received text message regarding payment for debt collection. 
Amount : XXXX XXXX XXXX : Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
on XX/XX/year>. I logged into my Santander consumer USA account to try to pay my bill on my 2025 XXXX XXXX XXXX when I looked at my account I saw that there was a collections notice even though I have been paying my bills up-to-date every single month and so I called the company and I was inquiring about the collections and they basically told me oh there was no collections on your account which communicated to me that they use scare and intimidation tactics, which is very terrible for a company to do so I requested written statement sent out to Me just to make sure if anything came across as collections. I would have proof that there was no collections and they basically refused. It told me I need to pay my bill and that was about it. I want to report them for imitation and scare tactics. 
I have an auto loan with Santander. I was XXXX or XXXX days late on a payment, but I immediately paid and my account is current. When I logged in online, my payment portal displayed a large warning : THIS COMMUNICATION IS FROM A DEBT COLLECTOR. 

I called customer service on XX/XX/year>, and was told directly that my account is not in collections. This means Santander is misrepresenting my account status to intimidate me. On top of that, the representative immediately pressured me about my next months payment instead of addressing the intimidation issue. 

I believe this is a deceptive and abusive practice under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting investigation into XXXX use of false collections notices against customers who are not in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am disputing this collection account as unverified and inaccurate. Under the FDCPA 15 USC 1692b and XXXX, the debt collector must provide full validation of the debt, including proof of ownership, original creditor details, and a signed agreement. To date, no such validation has been provided. Under the FCRA XXXX, the credit bureaus are also required to conduct a reasonable investigation and delete unverifiable information. If validation can not be produced, this account must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/year>, I applied to assume a XXXX mortgage currently serviced by Navy Federal Credit Union XXXX I submitted all required documentation, including financial information, as part of the assumption application. 

On XX/XX/year>, XXXX XXXX issued a denial of my assumption request. The stated reasons were vague and, in my view, frivolous. Based on my knowledge of VA loan program requirements, I met the eligibility criteria. It appears that Navy Federal denied the assumption based on internal overlays or additional credit requirements that go beyond what the Department XXXX XXXX XXXX XXXX VA ) permits. 

The VA XXXX XXXX XXXX provides that VA loan assumptions are allowed if the applicant meets VAs credit and income requirements. VA guidance further states that if a servicer denies an assumption for reasons unrelated to VAs criteria, or refuses to process the assumption, the servicer is considered noncompliant. 

I believe Navy Federal is improperly blocking VA loan assumptions, possibly to remove XXXX loans from its books. This practice undermines the VA program and harms veterans like myself, who rely on the protections XXXX intended when it created the VA XXXX loan program. 

I have attempted to resolve this by requesting the specific denial reasons in writing and by preparing to appeal to the VA XXXX XXXX XXXX, but XXXX XXXX denial has created unnecessary barriers and delays. 

I am requesting that the CFPB XXXX XXXX XXXX actions to ensure they are complying with VA regulations, XXXX, and fair lending laws, and that they are not using unauthorized credit overlays to deny VA loan assumptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NV

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, multiple hard inquiries were reported on my credit file with Experian and TransUnion that I did not authorize. The inquiries include accounts from Capital XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX. I did not apply for credit with these institutions, nor did I consent to any of these inquiries. These unauthorized pulls are inaccurate, harmful to my credit standing, and violate the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), which requires a permissible purpose for an inquiry to appear on a consumers file. 

Section XXXX Fair Resolution Requested I am requesting the immediate removal of all unauthorized hard inquiries from my Experian and TransUnion credit files, in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Since no permissible purpose exists, these inquiries are invalid and must be deleted.

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