vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding all three major credit reporting agencies : TransUnion, Equifax, and Experian.

I have submitted disputes to each bureau concerning inaccurate information on my credit reports. Despite providing documentation and following the proper dispute process, my investigations were not completed properly and I have not received final results within the legally required time frame.

Specifically, TransUnion sent a letter stating that my dispute would be completed on or before XX/XX/year>, but I have not received any update, results, or explanation. Equifax and Experian have also failed to provide timely responses or adequate resolutions to the disputes I submitted. When attempting to follow up, I received no clear status, no investigation results, and no confirmation that my dispute materials were reviewed. 

These delays and lack of communication are impacting my credit, finances, and ability to apply for housing and services. I am requesting CFPB assistance to ensure that : XXXX. All three bureaus properly review my dispute documentation, XXXX. They respond within the required timeframe, XXXX. They remove or correct any information that can not be verified as accurate, XXXX. They provide me with clear written results of the investigations. 

Thank you for reviewing my complaint.

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 2025-11-27 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: CA

Complaint narrative:
I am submitting a complaint regarding all three major credit reporting agencies : TransUnion, Equifax, and Experian.

I have submitted disputes to each bureau concerning inaccurate information on my credit reports. Despite providing documentation and following the proper dispute process, my investigations were not completed properly and I have not received final results within the legally required time frame.

Specifically, TransUnion sent a letter stating that my dispute would be completed on or before XX/XX/year>, but I have not received any update, results, or explanation. Equifax and Experian have also failed to provide timely responses or adequate resolutions to the disputes I submitted. When attempting to follow up, I received no clear status, no investigation results, and no confirmation that my dispute materials were reviewed. 

These delays and lack of communication are impacting my credit, finances, and ability to apply for housing and services. I am requesting CFPB assistance to ensure that : XXXX. All three bureaus properly review my dispute documentation, XXXX. They respond within the required timeframe, XXXX. They remove or correct any information that can not be verified as accurate, XXXX. They provide me with clear written results of the investigations. 

Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
National Credit Systems ( XXXX ) and XXXX  have failed to conduct a lawful or reasonable investigation of my rental collection dispute. I vacated the unit on XX/XX/XXXX, and the keys were returned on XX/XX/XXXX into the drop box. I have timestamped photos with location data proving the keys were returned on XX/XX/XXXX, and that the landlord regained possession on that date. Despite this, XXXX continues reporting a move-out date of XX/XX/XXXX based solely on an unsigned move-out report that I never received at move-out. That document is not valid, is not signed, and contains incorrect dates. It can not legally be used to verify a debt under the FCRA or FDCPA. 

XXXX  acknowledged receiving my documents, stated that my dispute had been modified, and confirmed documentation was received. Yet XXXX still verified the account using the same invalid and unsigned move-out sheet. This proves XXXX  did not conduct a real investigation and relied only on XXXX  automated e-Oscar response. That is not a reasonable reinvestigation under FCRA 1681i. 

XXXX  violated FCRA 1681s-2 ( b ) by failing to review the evidence I submitted and by continuing to report information they know is inaccurate. They are also in violation of FDCPA 807 and 809 ( b ) for misrepresenting the debt and refusing to validate it with proper documentation. XXXX has never produced a signed move-out form or accurate possession dates because no such documentation exists. 

The investigation by both companies was automated, repetitive, superficial, and unlawful. Neither company addressed or acknowledged the timestamped photos proving the actual possession return date of XX/XX/XXXX. This is a failure to maintain maximum possible accuracy under FCRA 1681e ( b ). 

This inaccurate reporting has directly harmed me, including denial of public housing. The housing authority stated I could be approved if even one inaccurate rental collection is removed. XXXX and XXXX  are knowingly harming my ability to obtain housing by reporting false and unverified information. 
I am providing my timestamped photos. The unsigned move out report XXXX provided that I had never seen until they responded to my first complaint. My XXXXl contract dated XX/XX/XXXX to support my move out date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: WA

Complaint narrative:
I am writing to dispute the following accounts and inquiries appearing on my credit report. These accounts are in dispute due to inaccuracies and issues related to reporting. Please see the details below, separated by each bureau. 

Charged Off Accounts XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am being sued by a debt collector that capital one bank hired. Capital one bank hired a lawyer to take me to pre trial. The debt collector is XXXX, XXXX XXXX XXXX, XXXX XXXX. Capital one bank failed to provide customers with a warning on their customer credit card agreement the if you do not pay your debt that you will be taken to court and forced to pay what you owe. The only thing they have on their credit card agreement is your promise to pay. The agreement says nothing about hiring a lawyer and taking customers to court. The warning needs to be in bold and at the top of their agreement. Capital one is misleading customers by not stating they will take you to court and force you to pay. I have no income and have a chronic illness. I am unable to work due to my illness. I provided court with my medical documents and they still are taking me to court. Some credit card companies even offer customers with a hardship program but not capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
Ever since I changed my name from XXXX to XXXX they repeatedly locked my account they have locked my account every week for a year they lock it every time before I get paid and every holiday that caused me to become homeless and it caused me to go hungry they refuse to allow me access to my accounts every time I go to the branch which is 4 hours away they put locks on it the very next day repeatedly they say my voice does not match my name apparently they say it's suspicious activity they have taken away my debit card because I was assaulted for being trans twice in a row and they said maybe I wouldn't be beat up so much I didn't have a debit card they are repeatedly and humane and their treatment they repeatedly refused to tell me why they're locking my account but then I am told it is because of my voice they are they're giving me impossible tasks soon as I finish one they make up a new one right now they refuse to take my military ID unless I'm driven 4 hours to go see them in person because under the present 's orders I can no longer get a driver 's license because I'm still technically part of the military they discriminate me over and over and over again and they think it's funny and I think find it funny that they've made me homeless there are people working in that bank made my life and absolute XXXX continuously changing what I need to do is ridiculous they have erased documentation of me going up there they refuse to allow me to talk to the bank this bank is the worst most hateful piece of garbage bag in the world

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 2025-11-27 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: CA

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 2025-11-27 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: NV

Complaint narrative:
The data provided by Experian is false and incomplete. The charged-off accounts listed do not reflect the current status of my accounts, and the bankruptcy is inaccurately reported. I am requesting that Experian review these accounts thoroughly and correct them without delay. 

Charged Off : XXXX XXXX, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Bankruptcy, Account No : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-27 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: NY

Complaint narrative:
I am disputing the following entries on my Equifax credit report, which I believe are inaccurate or unverifiable. 

Charged-Off Accounts in Dispute : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} Late Payments in Dispute : DEPTED/XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
The entry submitted does not accurately reflect the reality of my financial conduct. I kindly request examination and revision.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MS

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at 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 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 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 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 XXXX XXXX, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
Subject : Chase Bank Wrongful Withholding of Closed Account Funds ( {$11000.00} ) Complaint : Chase closed my account ending in XXXX after depositing a legitimate cashiers check. My final statement shows a remaining balance of {$11000.00}, but Chase has refused to release the funds. 

I was told by Chase that a certified refund check would be mailed in 7 business days. When I called after the 7 days passed, Chase said there was no record of any refund check being issued. 

I received an SMS alert showing a {$0.00} balance, but my final written statement shows a balance of {$11000.00}. I have received no written notice of any legal hold, fraud claim, or investigation that would justify withholding my funds. 

Chase branch staff demanded private personal information about the sender of the cashiers check, which is not required under federal law for refunding my remaining funds. 

I visited the branch with valid identification and requested a certified check for the balance. The branch refused to issue my refund or provide any written explanation. 

I am requesting immediate release of the {$11000.00} balance by certified check. 

Requested Resolution : Immediate refund of {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am writing to file a formal dispute regarding the accuracy and completeness of the information reported by the credit bureaus. Below are the accounts in dispute separated by bureau : CHARGED OFF XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} INQUIRIES XXXX  Date : XX/XX/XXXXXXXX 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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple accounts reported incorrectly or inaccurately on my credit report. Below, I have listed the specific accounts that I am disputing, categorized by bureau ( Equifax, XXXX XXXX ). I request that you investigate these accounts and correct or remove any inaccurate entries to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : US DEPARTMENT OF EDU Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Good day, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity.

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