vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$320.00}

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 2025-10-17 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: NV

Complaint narrative:
I am submittibng to request an investigation into the accuracy and completeness of several late payment entries currently listed on my TransUnion credit report. This request is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. which grants consumers the right to dispute any information believed to be inaccurate or incomplete.Specifically, FCRA 611 provides consumers the right to dispute reported data and request that a credit reporting agency confirm its accuracy with the data furnisher. Additionally, FCRA 607 ( b ) requires that consumer reporting agencies ensure all information reported is maintained with the maximum possible accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Despite my loan being paid in full and Navy Federal having received my funds on XX/XX/year>, I have still not received the release and title. XXXX XXXX is authorized to handle all further correspondence and resolution of this matter on my behalf.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The specific issue ( Experian continues to report inaccurate bankruptcy information despite proof from the U.S. Bankruptcy Court that they do not furnish records to credit bureaus ), The laws you believe Experian violated ( FCRA 605 ( b ), 607 ( b ), 611 ( a ) ), What outcome you want ( permanent deletion of the inaccurate record and correction of your credit file ).

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/year> -- {$650.00} UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
The attorney 's office named XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX made contact to my mailing address to collect a debt that I do not owe. I responded to the agency after receiving the mail and told them that it was not my debt. The alleged debt is an amount of {$610.00} spanning from approximately XX/XX/year> to XX/XX/year>. They stated that they are validating debt for the XXXX for that amount. However, their proof is for the XXXX. This is because of traffic tolls that have accumulated fraudulently. The reason for why I claim that they are fraudulent charges is because the XXXX  expressway states that the " tolls waived '' for the route. There is no map from them that divides them into the appropriate segments when I asked the for this information, however, the attorney 's office was able to provide this. I spoke with a supervisor who stated that I would not have to pay this balance but then was told differently via email when I provided them with images of the traffic signs with orange labels that states " Tolls Waived ''. Then I started receiving this debt collection for the tolls that I did not owe. I also told this to the debt collector. The response was to confirm the fraudulent debt of the incorrect route per their own evidence. Next, there was vandalism to my car. The reason why I believe that to be relevant is because the vandalism was a " sudden loss of oil '' which damaged my cars engine. I believe that the whole ordeal is a money-making scheme to extort money in one way or another stemming from the vehicle. I discovered that there is no formal appeals process for the tickets. A client can only contact the governing agency directly but no actual process. The choices are to pay the extortion or risk legal actions, such as garnishing my property, initiate court actions which are costly to the consumer and outweigh the costs of simply paying the debt that isn't truly owed to the state nor the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I got a notification of unusual activity on my account so I reached out. They tell me their internal team had done a review of my account and closed it with no further information. I submitted disputes on my account regarding a merchants dishonesty and sending me items that were not what I purchased and disputes for items I hadnt received after trying to resolve it with the merchants myself with no resolution so I reached out to the bank for disputes to be initiated. I feel like they discriminated against me because of that. Refused to send me information I requested because I never received a thing from them. I let them know my email is fine and has no issues receiving emails as I had received an email from them on XX/XX/year> at XXXX regarding my inquiry about my disputes. She get pressing me to provide additional emails to send this supposed notice and I refused to as I felt that they were trying to cover up the fact it was never sent to me. About {$600.00} in disputes and my pay check deposit of about {$2400.00} will not be accessible putting me at risk for non payments on rent and bills. Attached is the last email received. The rep supervisor closed out my chat with her when I said I wasnt providing more emails for her to send falsified documentation

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 2025-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I am the legal owner of a vehicle with VIN XXXX. I hold the lien-free title. Ally Bank previously held a lien, but the lien expired before the account was charged off. Despite this, Ally and its recovery agents ( XXXX XXXX XXXX and XXXX XXXX ) are continuing to detain my vehicle without any court order or valid lien.

I have sent written demand for immediate release, citing UCC 9-513 and 13 Pa. C.S. 9513, which make clear that once a lien or security interest expires or is terminated, the secured party loses all rights to possess or control the collateral. Continued detention constitutes unlawful retention or conversion under Pennsylvania law ( Stevenson v. Economy Bank of Ambridge, 413 Pa. 442 ( 1970 ) ).

I am seeking CFPB assistance to ensure my vehicle is immediately released, as Allys refusal to acknowledge the lien expiration is unlawfully preventing me from accessing my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: GA

Complaint narrative:
I mailed a certified written dispute to Experian several months ago regarding inaccurate reporting by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX, balance {$1200.00}, opened XX/XX/year> ). My dispute included copies of my ID, Social Security card, and proof of address.

I disputed inaccurate information on my Experian credit report regarding a collection account, but Experian falsely reported the account as verified without conducting any reinvestigation or contacting me for additional documentation. No verification or proof of accuracy was ever provided.

Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act, Experian is required to conduct a reasonable reinvestigation of disputed information within 30 days and to notify me of the method of verification. Instead, Experian marked the account as verified as accurate immediately, without any inquiry, confirmation, or evidence.

This action constitutes willful noncompliance with the FCRA. I am requesting CFPB oversight, deletion or correction of the disputed tradeline, and enforcement to ensure Experian performs proper reinvestigations 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 2025-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have regular Home loan with BMO Bank and paying regular monthly payments ( interest+principal ) regularly. 
I don't have Escrow account and have been paying XXXX XXXX directly Property Taxes. 
As I moved to new home around XX/XX/XXXX years back, XXXX XXXX is still processing XXXX XXXX ( XX/XX/XXXX transfer ) and have given claims. I over paid last year as they said pay now and they will refund, so have given me claim numbers. 

While I am working with XXXX XXXX in this XXXX year to process XXXX XXXX, there are XXXX issues for which I need to send notices. 

XXXX From Me to BMO bank - BMO ignored fact that I am paying regularly my mortgage and now asking us to pay them Property Taxes and created Escrow Account, despite knowing and legally sending documents that we are working with XXXX XXXX. Even XXXX XXXX when I called said, send them letter that this is work in progress and Prop Tax Statement Refund Claims Numbers are given. 
-BMO over paid despite of this to XXXX and now asking from me amount and damaging my credit report. 
- BMO is NOT allowing me to make regular interest+principal payments. I sent my cheque and they applied to XXXX XXXX even though clearly marked in cheque and cheque notes and email that it's for XX/XX/year> Principal+Interest. 
- I did send to BMO legal notice over email as well as XXXX XXXX Email, but they are not listening and full cold on matter. 
XXXX From Me to XXXX XXXX - Notice of delays in prop XXXX refund claim.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding BARCLAYS BANKXXXX XXXX failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. BARCLAYS BANKXXXX XXXX has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. BARCLAYS BANKXXXX 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 2025-10-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> this Third party collection agency, XXXX XXXX XXXX put a negative and in accurate remark on my transunion and XXXX  credit profile both in accurate. On XXXX  it showed as a OPEN ACCOUNT but on XXXX  it showed COLLECTIONS. I never did any business with this company, They also reported that I owed a high balance of XXXX but the high XXXX XXXX is XXXX. I then disputed the collections, the inaccuracies, XXXX  reported to collections missed payments but XXXX  and XXXX  did not. 
On XX/XX/XXXX I sent them by certified mail a debt validation letter, requesting original contract and agreement and signatures, I told them that if they can not provide it to stop reporting to all 3 credit bureaus and reporting negative and late on my credit report. Company never responded but keeps on updating and verifying negative and in accurate remarks on my credit report. Disputes, XXXX letters were sent to all bureaus. Its no longer on my XXXX  but still getting reported to all the credit agencies without a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Debt Validation & Cease and Desist Complaint LVNV Funding LLC ( Original Creditor : XXXX XXXX XXXX  XXXX. ) This complaint concerns a collection account being reported by LVNV Funding LLC, originally from XXXX XXXX XXXX  XXXX. This account is being furnished to the credit bureaus without any validation of the alleged debt or documentation proving ownership. Under 15 U.S.C. 1692g ( FDCPA 809 ), a debt collector must provide written verification of the debt upon request. Additionally, the Fair Credit Reporting Act, under 15 U.S.C. 1681e ( b ), 1681s-2 ( a ), and 1681i, requires credit reporting agencies and furnishers to maintain reasonable procedures to assure maximum accuracy and to cease reporting unverifiable information. I am requesting full validation, including a copy of the signed original agreement, account statements, chain of title, and all relevant documentation. Until such verification is provided, this account must be removed from all credit reports and reporting must cease immediately. 
You are hereby instructed to immediately CEASE AND DESIST all collection activity, reporting, or communication regarding this account until full written validation is provided. Any continued furnishing or collection without validation constitutes a willful violation of FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) and FCRA 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Date Opened XXXX Balance {$20000.00} XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Balance {$260.00}

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 2025-10-17 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: TX

Complaint narrative:
PLEASE BLOCK AND REMOVE. 
This is an inaccurate account and should be deleted promptly. I never approved it. Documentation is provided.

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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NM

Complaint narrative:
A collection account from Caine & Weiner is being reported with a balance of {$440.00}. The entry does not identify the original creditor, and I have never received verification of this alleged debt. I filed a dispute under FCRA 1681i ( a ) ( 1 ) ( A ) and UCC 9-210 requesting proof, but none was provided. Reporting a debt without verification violates FCRA 1681s-2 ( a ). I am requesting immediate removal of this unverifiable collection account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have an instant loan that was offered from Chime through my checking account. The only way to pay the loan is to use the money in that checking account to make a payment. I received an email on XXXX  advising that now everything that comes in my account will go towards paying a different balance I have with them. I called today to ask how am I supposed to pay the instant loan ( thats affecting my credit ) if youre choosing to allocate the funds to something else. I stayed on hold for about 20 minutes and was advised it can not be changed. So I have a loan amount thats going to charge off in 5 days with no way to pay it without paying a completely different balance before allocating anything to the instant loan balance. The other balance is not reporting to the credit bureaus. It is completely unethical to have a loan that I literally dont have the ability to pay ( per the company representative ) but my credit has to suffer because of it. It has to be illegal to have a loan but refuse to take payments for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am deeply frustrated to see that some inaccurate accounts are still appearing on my credit reports and have not been taken off. I am begging for the documents I attached to be carefully reviewed so I can finally have peace of mind about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XX/XX/XXXX -- {$180.00}

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 2025-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My student should have been dismissed the school went out of business XX/XX/XXXX years ago I never received my diploma. This loan should have been forgiven. The loan was not over XXXX my income tax was taken for years to pay this loan off,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me.

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