vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Started to go over all year end transactions. Noticed several charges that were never authorized by myself or any employees. Filed fraud report. XXXX transactions came back as they stated were done by me but XXXX  is from out of state and XXXX  is a transaction I never visited store or authorized my card to be used. No way it was investigated in hours. I did not make these transactions and this will most likely result in closing my long relationship with Capital one as I dont feel protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello Experian XXXX XXXX, I am requesting an investigation into several missing business tradelines for : XXXX XXXX XXXX XXXX : [ XXXX ] Business Address : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Phone : [ XXXX ] The following creditors have confirmed reporting to Experian XXXX : XXXX. Finally ( Acct # XXXX ) XXXX. Subscription Account ( Acct # XXXX ) XXXX. XXXX XXXX Account XXXX. XXXX XXXX Vendor Account These tradelines are not appearing on my Experian file even though invoices were paid and the attached documents show Experian Business Processing. 

Attached : - Paid invoices - Vendor receipts - Reporting confirmation screenshots - My company documentation Please add these accounts to my Experian profile. 

Thank you, [ XXXX XXXX ] Member, XXXX XXXX XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Venmo app and website won't download or allow me to login since XX/XX/year>. So, I can not access any funds that are in their app. Today is XX/XX/year> and I have been on hold with customer support for currently XXXX minutes. Companies should be held liable if their service is unavailable for XXXX hours. The fact that it has been 4 days and no resolution and having to waste time trying to reach customer service is unacceptable. A consumer would not be allowed this lack of responsibility, so neither should a company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
In XXXX of XXXX, Navy Federal unexpectedly closed my active {$15000.00} account. I have/had never been late or missed a single payment in all of my time with them since XXXX. I feel as though that the situation was unfair and negatively affected my debt-to-income ratio which later was a domino affect on other financial obligations and planning that I had. The comments let on my XXXX  report states " account closed at grantor 's request '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
Equifax is reporting obsolete and incorrect personal identification information on my credit report. I disputed these issues twice directly through Equifax with documentation verifying : My single current address XXXX XXXX XXXX XXXX Fl XXXX Equifax refused to correct the errors and continued to report multiple outdated former addresses and incorrect personal identifiers even after receiving appropriate verification. 

This failure violates : FCRA 607 ( b ) obligation to maintain maximum accuracy FCRA 611 failure to reasonably investigate and correct disputed data These outdated personal identifiers : Are not linked to any of my current open accounts Cause scoring suppression and reporting delays Generate associations with accounts that are not mine or no longer active Requested resolution : Remove all obsolete past addresses XX/XX/XXXX CURRENT XXXX XXXX XXXX, XXXX, CA XXXX XX/XX/XXXX FORMER  XXXX XXXX XXXX XXXX, XXXX, CA XXXX Confirm visible correction to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX, for some reason, put a charge-off notice on my account after an account closed and was paid for XXXX YEARS AGO. 

I applied for a recent loan, and they asked me why i have a charge off FROM XXXX XXXX XXXXXXXX for XX/XX/year>. When i haven't had any XXXX XXXX XXXXXXXX credit related items for over XXXX years. 

This is absolutely unethical. I have screenshots and everything. I will be escalating this. 

Not only that but everytime i dispute their deliquency they always update with DIFFERENT information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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: NJ

Complaint narrative:
I am disputing a XXXX  XXXX XXXX account on my credit report because the information Experian/TransUnion is reporting appears inaccurate, incomplete, and unverified.

I requested a reinvestigation under the Fair Credit Reporting Act, but the bureau did not provide any supporting documentation explaining how the account was verified. 

XXXX  has already deleted this same XXXX  XXXX XXXX account from my XXXX  credit file because the furnisher could not verify the information. This creates a cross-bureau inconsistency, showing that the account may not be verifiable and should not be reported by Experian/TransUnion unless proper documentation exists.

Experian/TransUnion have not provided : Any documentation showing how the account was verified A full payment history The charge-off details The original delinquency dates Any accounting ledger or breakdown Any explanation of the investigation Because of this lack of documentation, the accuracy of the tradeline can not be confirmed. The continued reporting of potentially inaccurate information is harming my credit and affecting my ability to qualify for a mortgage. I am asking for a proper reinvestigation or correction.

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 2025-12-07 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: NC

Complaint narrative:
I have survived Identity Theft, and throughout my exploitation, my personal and financial details were misused without my permission. This led to the creation of fraudulent accounts and debts under my name. I would appreciate it if you could consider this background while reviewing my credit report and take appropriate actions to correct any inaccuracies or fraudulent activities. I have included documentation from relevant authorities and organizations to support my case.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello Experian XXXX XXXX, I am requesting an investigation into several missing business tradelines for : XXXX XXXX XXXX XXXX : [ XXXX ] Business Address : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] Phone : [ XXXX ] The following creditors have confirmed reporting to Experian XXXX : XXXX. Finally ( Acct # XXXX ) XXXX. Subscription Account ( Acct # XXXX ) XXXX. XXXX XXXX Account XXXX. XXXX XXXX Vendor Account These tradelines are not appearing on my Experian file even though invoices were paid and the attached documents show Experian Business Processing. 

Attached : - Paid invoices - Vendor receipts - Reporting confirmation screenshots - My company documentation Please add these accounts to my Experian profile. 

Thank you, [ XXXX XXXX ] Member, 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 2025-12-07 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: TX

Complaint narrative:
My account with XXXX XXXX was charged off in the amount of {$3300.00}. I believe this charge-off is incorrect and needs to be reviewed. 

I contacted the company to address the issue, but the matter has not been resolved and I was not properly notified. I received conflicting information from representatives. 

As of today, the charge-off remains on my account and is negatively affecting me. I am requesting that this account and the charge-off amount of {$3300.00} be investigated and corrected, and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX RE : FORMAL DEMAND FOR IMMEDIATE DELETION OF UNVERIFIED AND INACCURATE ACCOUNTS FCRA VIOLATIONS To Whom It May Concern : This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq. You are reporting multiple accounts that are unverified, inaccurate, incomplete, and legally non-reportable on my TransUnion file. 

Based on my review of the report you provided on XX/XX/XXXX, the following items are disputed and must be deleted immediately : DISPUTED ACCOUNTS ( MUST BE REMOVED ) ( Information cited from your uploaded TransUnion report. 

XXXX. XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX  {$1400.00} * * Original Creditor : XXXX XXXX XXXX XXXX Reported : Date Opened XX/XX/XXXX XXXX. Central Collection Unit Account XXXXXXXX XXXX XXXX XXXX$2100.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Reported : Date Updated XX/XX/XXXX, last payment XX/XX/XXXX XXXX. XXXX XXXX XXXX Account XXXX {$7700.00} XXXX XXXX Original Creditor : XXXX XXXX at XXXX Reported : Date Updated XX/XX/XXXX BASIS FOR DISPUTE 1. FAILURE TO PROVIDE REQUIRED VERIFICATION Under FCRA 609 & 611, you must provide : Original signed contracts Proof the debt is mine Chain of assignment Itemized accounting Proof the collector is legally authorized in Maryland No such verification has been provided.

Therefore, these accounts are unverified and must be deleted.

2. REPORTING ERRORS & DATA INCONSISTENCIES The reported dates, balances, and statuses contain inconsistencies and missing information.

This violates FCRA 607 ( b ) maximum accuracy requirement. 



3. MARYLAND LAW VIOLATIONS Under the Maryland Consumer Debt Collection Act ( MD Code Com. Law 14-202 ), a collector may not : Attempt to collect amounts not legally owed Misrepresent the status of a debt Operate without proper licensing XXXX is reporting debts from collectors who have not proven legal authority to collect in Maryland.

4. UNVERIFIABLE ACCOUNTS MUST BE DELETED Under FCRA 611 ( a ) ( 5 ) ( A ), if you can not verify information : YOU MUST DELETE IT WITHIN 30 DAYS.

DEMAND FOR ACTION I demand that TransUnion : Delete each disputed account immediately Provide written verification for any item you keep Provide a corrected credit report Provide furnisher licensing and contact information Failure to comply will result in : CFPB complaint Maryland Attorney General complaint Civil action for FCRA violations RESPONSE DEADLINE You have 30 days to complete this reinvestigation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: DC

Complaint narrative:
FORMAL DISPUTE OF MULTIPLE INACCURACIES REQUEST FOR COMPLETE INVESTIGATION & DELETION UNDER FCRA 602 ( A ), 604, 605, 607 ( B ), 609, 611 CFPB COMPLAINT ALSO FILED I am writing to dispute multiple inaccurate and fraudulent items currently appearing on my credit report. I am requesting an immediate and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). 

I am filing this dispute with all three credit bureaus, and I want this letter to also serve as notice that I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) due to the severity of these errors, the risk of identity confusion, and the impact on my credit file. 

XXXX. INCORRECT NAME NOT MINE Reported Name : XXXX XXXX XXXX FCRA Violations : 607 ( b ) Must assure maximum accuracy 605 ( a ) Wrong identifiers can not remain on a file Action Requested : Immediately delete this name from my report. 

XXXX. INCORRECT ADDRESS NOT MINE Reported Address : XXXX XXXX XXXX, XXXX, AR I have never lived in Arkansas and have no connection to this location. 



Action Requested : Delete this address immediately. 

XXXX. INCORRECT DATE OF BIRTH, PHONE NUMBER, AND EMAIL The following information does not belong to me : XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Action Requested : Remove all incorrect identifying information. 

XXXX. INCORRECT EMPLOYER NOT MINE Reported Employer : XXXX XXXX I have never worked for, applied to, or been associated with XXXX XXXX. 



Action Requested : Delete this employer from my file. 

XXXX. UNAUTHORIZED HARD INQUIRY XXXX  XXXX XX/XX/XXXX This inquiry was not authorized by me and has no permissible purpose. 



FCRA 604 ( a ) * * requires verifiable permissible purpose.

Action Requested : Delete this unauthorized inquiry. 

XXXX. FRAUDULENT / INACCURATE COLLECTION ACCOUNTS The following collection accounts do not belong to me and appear tied to the same incorrect identity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FCRA Violations : 602 ( A ) Right to accurate reporting 607 ( b ) Duty to maintain maximum accuracy 611 Must delete unverifiable or incorrect information 609 ( a ) Must disclose furnisher and original creditor Action Requested : Delete all three accounts unless full documentation from the original creditor proves they belong to me. 

Database matching or electronic verification is not acceptable. 

REQUEST FOR METHOD OF VERIFICATION ( MOV ) Under FCRA 611 ( a ) ( 6 ), I am requesting : The method of verification used The furnisher of information The original creditor Copies of signed applications/contracts Proof of permissible purpose for the XXXX  XXXX inquiry If you can not provide this documentation, you are required by law to delete the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did not authorize or grant permission to have my credit pulled or checked. 
From the the following creditors UNAUTHORIZED INQUIRIES XX/XX/year> & XX/XX/year> XXXX CARD XX/XX/year>- XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: RI

Complaint narrative:
I am a XXXX American Express XXXX XXXX XXXX XXXX flawless payment history and average monthly spending between {$60000.00} and {$90000.00}. My XXXX XXXX has always operated with no preset spending limit, and I have never missed or delayed a payment. 

Approximately two months ago, American Express initiated an unexpected financial review which resulted in my account being permanently capped at {$65000.00}, despite the card being marketed and issued as having dynamic spending flexibility. 

I fully complied with the financial review and provided : Multiple months of bank statements showing consistent cash flow. 
Proof of income exceeding {$150000.00} annually. 
Proof of a savings balance exceeding {$220000.00}. 

Although I responded immediately and provided all requested documentation, American Express has refused to restore my account to its original dynamic spending capacity. This has severely disrupted my daily life and travel for the past two months, as this card is my primary payment method and historically supported my usual spending patterns of $ XXXX $ XXXX per month with no issues. 

American Express continues to tell me they can not consider certain liquid assets due to being held outside the U.S., despite those funds being entirely legitimate, documented, and readily available. 

I did not request a financial review and have never exhibited any risk indicators. The imposed limit contradicts the products advertised features and does not reflect my financial profile or XXXX positive payment history. 

I am requesting : 1. Immediate reinstatement of my XXXX XXXX original dynamic spending capacity ( no preset spending limit ), OR 2. A clear explanation, supported by policy and regulation, as to why the permanent {$65000.00} restriction was imposed after I met all documentation requirements. 

This limitation has caused significant financial inconvenience and appears to conflict with the advertised features of the product as well as fair credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Servicing Solutions, LLC
State: GA

Complaint narrative:
Servicing Solutions is reporting a business/commercial credit account as a personal consumer revolving account on my XXXX  credit report. I am not personally liable for this account, and I never signed any personal guarantee or authorization allowing this account to be furnished to consumer credit bureaus.

This reporting is false, misleading, and inaccurate, in violation of FCRA 602A, 607 ( b ), and 623. It is also coded incorrectly under Metro2 standards, because a commercial account should not be classified or published as a personal revolving line of credit.

I contacted Servicing Solutions directly and requested verification, and they can not provide any documentation showing this is a personal consumer obligation. The account should not be appearing on my consumer credit report at all.

This inaccurate reporting is harming my FICO score, affecting my ability to obtain credit, and misrepresenting my personal debt profile.

Company response to consumer: Closed with explanation