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 — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Subject : Formal Dispute of Late Payment Reporting Demand for Correction Account : XXXX To Whom It May Concern, I am filing a dispute under 15 U.S.C. 1681i and demanding correction of false late payment reporting on my Navy Federal account. 

Facts of the Case : In XX/XX/year>, Navy Federal reported a late payment, even though the balance was paid in full before the due date and before the statement date. 
Prior late payment notations are also factually inaccurate, as my payment records prove timely payment. 

Violations by Navy Federal : Reporting Inaccurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : Furnishers may not report information they know or should know is inaccurate.

Failure to Update & Correct ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ( B ) ) : You must update accounts and delete prior incorrect information once notified of inaccuracy.

Defamation & Negligence ( FCRA 1681n & 1681o ) : By knowingly publishing false payment history, you are causing credit harm, reputational damage, and financial loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
I leased a XXXX XXXX in XX/XX/year> upon getting the vehicle, I did get the protection plan and the wheel and tire coverage. In XXXX I had a flat tire the warranty company gave me the run around because they didn't want to pay for the price of the tire. Since the car is a XXXX they had to order the tire which would not be in until Monday and that was on Friday. Since having the car the battery life of drops and when purchasing it we were not told that would happen so quickly. After traveling to XXXX XXXX on a full charge I barely made it home. I was not told that several things about affects the battery life of the car. I can't ride other people in the car along with the air condition on and the radio because if so I will not have any battery. This vehicle is not conducive to and for my life style. During the sale I was not given this information. I do feel like I was sold this type of car under false pretense. XXXX itself is a good brand this type of model where I can only go from XXXX XXXX to XXXX XXXX in XXXX XXXX and barley making it home is not a car I feel is safe for me being a female to drive because of that as well as I had no prior knowledge of these factors prior to purchase.

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: Experian Information Solutions Inc.
State: OH

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 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, on XX/XX/year> I discovered that my Chase Bank account had been closed without any prior notice. I first became aware of this issue when I received a notification through XXXX XXXX that my Chase card had been suspended. 

I did not receive any communication from Chaseno email, letter, text, or phone callinforming me of an account closure or any issues with my account. 

When I called Chase customer service, I was eventually transferred to a supervisor, who informed me that my account was permanently closed and that the decision was final. They refused to provide any explanation for the closure.

This is extremely concerning because : - I was a Private Client with Chase. 
- I maintained high earnings and regular deposits ( my salary was consistently deposited ). 
- I only used the account for ordinary day-to-day transactions such as transportation, credit card payments, and other standard expenses.

- I always paid everything on time and never had overdrafts, late payments, or suspicious transactions.

Chase has not provided any reason for this action, nor any written notice. Their refusal to explain creates significant hardship and raises concerns about unfair treatment and transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Improper handling of identity theft block request under FCRA 605B.

I am a victim of identity theft. I submitted an FTC Identity Theft Report, a police report, and proof of my identity to ChexSystems, along with a written request under FCRA 605B to block fraudulent information from my consumer file.

ChexSystems properly deleted fraudulent accounts. However, they refused to block fraudulent inquiries, claiming that inquiries are factual records that can not be deleted.

This is a misrepresentation of the law. FCRA 605B requires ChexSystems to block any information resulting from identity theft once the proper documentation is provided, including fraudulent inquiries. 

I have never authorized these inquiries, and the only legitimate inquiries on my ChexSystems file are from XXXX XXXX XXXX XXXX. All other inquiries are the direct result of identity theft and should have been blocked.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account : XXXX XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : 0 Account : XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$710.00} Account : XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$300.00} Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : {$440.00} The company has yet to respond to my letters I sent XX/XX/XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This company is reporting a name that is not associate with me and I never heard of. Could you please help me to fix this situation as soon as possible?

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: MS

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided.

Unauthorized Inquiry ( s ) : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX - XX/XX/XXXX Unauthorized Inquiry ( s ) : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX - XX/XX/XXXX Unauthorized Inquiry ( s ) : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX XXXX XXXX  Unauthorized Inquiry ( s ) : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX XX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Inquiry ( s ) : XXXX XXXX - XX/XX/XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned hard inquiries are the result of identity theft and fraud.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My federal student loans are being reported as in default, but this is inaccurate. I have requested information showing proof of the default, but I never received any documentation. I am disputing the default status and any related reporting on my credit report. Please investigate and correct the errors or remove the accounts if they can not be verified.

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 status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My federal student loans are being reported as in default, but this is inaccurate. I have requested information showing proof of the default, but I never received any documentation. I am disputing the default status and any related reporting on my credit report. Please investigate and correct the errors or remove the accounts if they can not be verified.

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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX is reporting a delinquent account on my credit report, even though this account was sold to Jefferson Capital Systems. Once XXXX sold the account, they no longer had the right to furnish it. Continuing to report after selling the debt is misleading, inaccurate, and unlawful. 

I have not received a signed service agreement, a final bill, or proof that I authorized XXXX to continue reporting after transferring ownership. This double-reporting is damaging to my credit and violates the Fair Credit Reporting Act.

Laws Violated : FCRA 602 ( a ) : Reporting must be fair and accurate. Double reporting is unfair.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Furnishers must ensure maximum accuracy. Reporting a sold account is inaccurate.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting information known to be inaccurate.

FDCPA 807 ( 2 ) ( A ) : Misrepresentation of the legal status of the debt. 

Resolution : I request XXXX immediately delete this account from all credit bureaus since they no longer own it. They must stop reporting on an account that was sold to another entity.

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: PR

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains the following accounts that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency : XXXX, Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX, Account Number : XXXX At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of these accounts and the related inquiries in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report Number : XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the accounts and the inquiries, causing ongoing harm. 

Equifax has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to these unauthorized accounts.

When approved for credit, I am forced to pay significantly higher interest rates.

I was recently denied rental housing because of this negative information.

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial XXXX  and embarrassment.

Company response to consumer: Closed with explanation