vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following items reported by the three major credit bureaus : TransUnion. I have outlined the accounts in dispute under the appropriate categories below. 

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 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I must emphasize that this complaint is not filed in error. 
My credit report contains inaccuracies that are not guaranteed to be accurate. 
These errors are causing significant distress and ongoing negative impacts on my life. 
Correcting them would provide substantial relief during this challenging period.

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 2025-12-16 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: NM

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).


And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-16 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: DE

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information that JPMorgan Chase Bank , N.A . is furnishing regarding the following account. This letter constitutes a direct dispute under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), and applicable Metro 2 reporting standards . 

Disputed Account Information Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The delinquency and payment history being reported for this account is inconsistent, inaccurate, and not properly verifiable. The reported data appears to violate Metro 2 guidelines governing accurate account status reporting, delinquency progression, and payment history continuity.

Specifically, the delinquency information does not accurately reflect the accounts actual status and may reflect improper or unsupported late payment coding. Furnishing inaccurate or unverifiable data fails to meet Metro 2 reporting requirements and may constitute a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
I submitted an income-driven repayment ( IDR ) application for my federal student loans. Due to a federal injunction affecting the XXXX plan, my servicer placed my loans into a XXXX administrative forbearance. Despite the forbearance, the servicer reported my loans as delinquent to the credit bureaus, causing a large drop in my credit score. I contacted the servicer to request a correction and that the delinquency be removed from my credit report. I talked to them over the phone, and they told me it will not affect my credit score, and it did.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MOHELA
State: CA

Complaint narrative:
Summary of Issue : XXXX XXXXXXXX is inaccurately reporting late payments on my account XXXX. The credit report shows late payments that never occurred. I have always paid this account as agreed. 
Details of XXXX : I contacted MOHELA regarding this issue. During the phone call, they confirmed that I have no late payments on this account. They also sent me a letter verifying that my account does not have any late payments. 
Evidence Provided : XXXX from MOHELA confirming no late payments. 
My payment history showing the account was paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have demanded, through direct correspondence with these companies/collection agencies, that they provide me with proof to justify their wrongful and illegal behavior towards me and my name, as they have been reporting erroneous information to the XXXX main credit reporting agencies/bureaus under my name. This has significantly damaged my name, reputation, and future, as well as that of my family. I have received no response from them, and despite this, they continue to illegally report inaccurate information without my consent.So I don't understand how the main credit reporting agenciesXXXX XXXX XXXX XXXXcan continue to say that they properly investigated my disputes and that they received information from these collection agencies/companies that are reporting erroneous information on my credit report, when I haven't received any response from these agencies, even though I have demanded that they show me sufficient proof of any document, agreement, or contract signed by me directly with these agencies, for them to assert my debt or misconduct, illegally defaming me and without my consent.They must immediately cease reporting erroneous information under my name and without my consent, and all alleged negative accounts under my name must be immediately removed from those files.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Filed a complaint now with The Department of XXXX XXXX & the Attorney General. 
Portfolio Recovery Associates , LLC sent in the mail to me again a generic/print out of a statement, a generic/print out of payments, & a advertisement for signing up for a XXXX XXXX credit card??? This doesnt satisfy federal level legal validation, nor does this tie me to this alleged debt. 
This debt has never been legally validated by the company, & now a third party debt junk buyer is attempting to wrongfully collect/take me to court. Police report also filed for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I am not owing that amount as the merchant was the one who refused to accept tender

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 2025-12-16 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone had used my name without my knowledge to open credit card account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
Experian is reporting multiple collection accounts on my credit report that are inaccurate, incomplete, and unverifiable. These accounts are being published without Experian providing documentation that proves the debts are valid, legally owed, or accurately reported. 

The collection accounts being reported include balances totaling several XXXX dollars. Experian has not provided original signed agreements, itemized billing statements, proof of legal ownership, or a complete chain of assignment from the original creditors to the collection agencies. 

The same accounts are reported differently across other credit bureaus, with inconsistent balances, dates, and account statuses. These discrepancies make the information unreliable and unverifiable. 

Under the Fair Credit Reporting Act, Experian is required to ensure maximum possible accuracy before reporting information and to delete any information that can not be verified. Continuing to report these collection accounts without documentation causes ongoing financial harm and violates federal consumer protection laws. 

I am requesting CFPB assistance to require Experian to correct these violations by deleting all unverifiable collection accounts and ensuring that only accurate, fully documented information is reported going forward.

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 2025-12-16 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: MD

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX ] XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-16 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Openbank ( part of XXXXXXXX XXXX ) I deposited XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I believe that the account was blocked right before the XXXX deposit. I called up and was told that the back office had to process it. Several days later it was still blocked and I started to get concerned and decided that I may have chosen the wrong institution. I called Openbank on XX/XX/year> to close the account and told them to release the block. The representative said she submitted my request. When I asked why there was a block, I was told " security ''. I asked what security issues there were and was told that the back office handles that.

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 2025-12-16 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: Early Warning Services, LLC
State: NC

Complaint narrative:
Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft I have disputed the name XXXX XXXX XXXX on my credit several times and they refuse to remove. 

I have provided supporting documents

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions refusal to provide written verification of account status for a charged-off deposit account that has been inactive for several years.

Navy Federal has confirmed verbally that the account is charged off, that I have no access to funds, and that no active deposit accounts exist. However, they have stated that because the account is charged off, they can not terminate the membership and can not send any documentation confirming this status. 

This situation is particularly egregious because I have been penalized for a fraudulent/robbery situation that caused this negative balance. I should not be held responsible nor prevented from accessing essential benefits due to circumstances beyond my control. Navy Federals insistence on retaining this record without providing verification is financially punitive and effectively predatory, prioritizing profit over legal fairness and consumer welfare. 

This refusal is causing immediate, material harm, as it is currently preventing my XXXX child from receiving medical care under a XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ). Navy Federals refusal to issue written verification directly blocks access to essential healthcare services for my child.

While I understand that a charged-off account may remain on internal systems, a charge-off does not eliminate the institutions obligation to provide accurate account status information. Other financial institutions routinely provide no active accounts or no access to funds letters in these circumstances. 

I am not requesting account reopening or access. I am solely requesting written verification stating that : There are no active deposit accounts I have no access to funds The account is charged off / inactive Navy Federals refusal to provide this verification constitutes an unfair and predatory practice, particularly where it interferes with my childs access to essential healthcare and penalizes me for circumstances beyond my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief