vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 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: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed disputes on my Capital One checking account on XX/XX/2025, including multiple unauthorized transactions. By XX/XX/2025, Capital One denied my claims after only a few business days. According to Regulation E ( Electronic Fund Transfer Act ) and Capital Ones own published policies, banks generally have 10 to 45 business days to fully investigate disputes. My disputes were not given that fair investigation period.

After I appealed the denial, Capital One sent me a notice on XX/XX/2025, stating that all of my accounts would be restricted and permanently closed due to activity inconsistent with typical customer account usage. This account closure happened immediately after my appeal, which I believe was retaliatory. 

The restriction blocked me from accessing my non-disputed funds, and the closure prevents me from ever opening a Capital One account again. The bank has not provided a full written explanation beyond the vague notice I received. I believe Capital One rushed my dispute decision, denied my claims unfairly, and then closed my account to avoid paying out on my appeal. 

I am requesting immediate access to my non-disputed funds, a clear written explanation for the closure, and a proper review of all my disputes and my appeal under the protections of Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: AMERICAN HONDA FINANCE CORP
State: MN

Complaint narrative:
My car was repossessed XX/XX/XXXX. I was not notified of repossession via letter to pay before it gets reposed or that it has already been repossessed. I had to call that day to see if they repossessed and thats when they confirmed. The recovery center never called I had to call XX/XX/XXXX to get information on the repossession. Thats when they told me that it was redemption only and the payment due is XXXX. During another call the next day I inquired about the breakdown of fees and the total amount due, and I also asked if any flexibility, fee reductions, or extensions were available to help me regain possession of the vehicle. Despite my efforts, Honda refused to provide any alternative options. I also asked for a notice never received and they said they dont have to give me notice only let me know verbally which is not legally correct. I submit this form to hold Honda responsible and come to an agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I get a robocall from CMRE and it repeats twice. There is no option to stop calls or any information about a debt. I don't have any outstanding debts and have not defaulted on my obligations. Therefore they are trying to reach someone using my phone number. I've had this number since XX/XX/year> and the former owner is a deadbeat that never has updated his information. They need to try another avenue if they are looking for him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX XX/XX/year> Creditor : XXXX XXXX XXXX XXXX XXXX : Dispute of Collection Account Request for Validation Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$540.00} To Whom It XXXX Concern, I am writing to formally dispute the above-referenced collection account. I do not believe this debt is valid, and under the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX and the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting proper validation of this alleged debt. 

Specifically, please provide : XXXX. Documentation bearing my signature that proves I am legally obligated to pay this debt. 

XXXX. The original creditors full name, address, and account number. 

XXXX. A complete payment history and itemization of the alleged amount, including interest, fees, or other charges. 

XXXX. Proof that your company has the legal right to collect on this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Louisiana XXXX XX/XX/year> Creditor : XXXX XXXX XXXX XXXX XXXX : Dispute of Collection Account Request for Validation Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$770.00} XXXXXXXX XXXX XXXX XXXX XXXX ] - {$540.00} To Whom It XXXX Concern, I am writing to formally dispute the above-referenced collection account. I do not believe this debt is valid, and under the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX and the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting proper validation of this alleged debt. 

Specifically, please provide : XXXX. Documentation bearing my signature that proves I am legally obligated to pay this debt. 

XXXX. The original creditors full name, address, and account number. 

XXXX. A complete payment history and itemization of the alleged amount, including interest, fees, or other charges. 

XXXX. Proof that your company has the legal right to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NC

Complaint narrative:
I am submitting this complaint against the three major credit XXXX, XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number XXXX Open Date 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 Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX, XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 : INQUIRIES : XXXX XXXX XXXX  Date : XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$180.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$170.00} 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, 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 2025-09-09 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX- $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX - $ XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX- $ XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX- $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX  - 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 2025-09-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
Upon review, these accounts contain inconsistent, misleading, and incomplete data that does not meet the strict standard of maximum possible accuracy required by FCRA 602 ( A ) and FCRA 607 ( b ). Furthermore, under FCRA 611 ( a ), any item that can not be fully verified must be immediately deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: VA

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am submitting a formal complaint regarding serious issues involving both Navy Federal Credit Union and XXXX XXXX that have negatively impacted my financial standing despite my compliance with all payment and protection requirements. 
Background : I maintain an account with Navy Federal Credit Union and hold payment protection coverage through XXXX XXXX. Recently, a payment issued by XXXX was intended to cover multiple months of payments. However, Navy Federal applied the payment incorrectly toward the overall account balance rather than the monthly payment obligations, leaving the subsequent months payment delinquent. 
Key Issues : Despite proof that XXXX issued payment before the due date, Navy Federal has refused to reverse the delinquency or apply the payment correctly. 
XXXX has confirmed they can not issue additional funds to remedy the situation, leaving me caught between both parties with no resolution. 
As a result, my account has been sent to collections, impacting my credit and creating financial hardship through no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) that there was a bank account in my name using my social security number at Truist Bank in North Carolina. The amount was over {$2000.00}. I was given the account number and that it was opened in XXXX. I denied the claim and stated my social security number was stollen, ID theft. I was told I needed to get a written verification, from the bank, for XXXX  to approve my renewal for my benefits. They require it to state I did not have that account. I called the bank they verbally verified I was not in their system, the account did not exist. The person I talked to said she could not send a letter/email because I was not in their system. We attempted a 3 way call but it was a 24 person wait line at XXXX. I was given the number for the fraud dept of Truist Bank, talked to 2 people. A form was completed and I was given a case # for ID theft. I waited almost 2 hours after I was connected to continue and had to hang up. I called on XX/XX/XXXX at XXXX opening. Was qued as 5 minutes. I waited but had to leave my phone number for a call back. Its XXXX now and their hours are 8-5. Still no return call. No instructions as to what happens if business hours end before that return call. Do I call again tomorrow? Am I still in line for the call back from today XX/XX/XXXX? It looks like my benefits are going to be canceled until this gets cleared up of which I was told I would have to re-apply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation