vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Exeter Finance repossessed my vehicle and failed to send me any legally required notices before the vehicle was sold. I did not receive : A pre-sale notice Any information about the date, time, or type of sale A right-to-redeem notice Under UCC Article 9, a lender must notify the borrower before the sale of a repossessed vehicle. Exeter did not notify me at all. 

Additionally, Exeter Finance improperly shared or sold my personal information to third parties, including XXXX XXXX, without giving me any privacy notice or opt-out option as required under the GrammLeachBliley Act ( GLBA ). 

I also did not receive any notice that my account or debt was transferred or sold, which violates FCRA and FDCPA requirements for debt assignment. 

I am requesting the CFPB to investigate Exeter Finance for : 1. Failing to send required UCC repossession notices 2. Improperly sharing my personal information in violation of GLBA 3. Improperly transferring or selling my debt without notification 4. Continuing attempts to collect a deficiency balance that is legally barred I have audio recordings and documentation showing they failed to notify me. 

I request full relief, including : Deletion of the debt Correction of my credit report Penalties against Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Supplemental Response Fraud Claim Initiated by Furnisher, Not Consumer Case ID : XXXX I am submitting this supplemental statement regarding my complaint. 

The company has responded by stating that there may be potential fraud involved. I want to clarify that I never claimed fraud. The company is the one raising fraud concerns, which appears to be due to the fact that : 1. The alleged agreement contains a signature that does not belong to me. 
2. XXXX Bank has provided inconsistent and contradictory documents, including conflicting dates and payment histories. 
XXXX. Experian has not fulfilled my statutory request for Method of Verification under FCRA 1681i ( a ) ( 7 ). 

Since the company is now indicating that fraud may be involved, I am exercising my rights under : FCRA 605B Blocking of Information Resulting from Identity Theft I hereby request : 1. Immediate blocking and removal of the XXXX Bank XXXX XXXX & XXXX account ending in XXXX from my Experian credit file. 
2. A copy of all documents the company relied on to make their fraud determination, including the signature page. 
3. A full explanation of why Experian continues to report the account despite : A disputed signature Contradictory records Fraud concerns raised by the furnisher XXXX. Confirmation that all documentation I submitted was forwarded to the furnisher. 

If the account is not deleted, I will escalate this matter to federal agencies and pursue civil remedies under FCRA 1681n and 1681o for negligent and willful non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: 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 explanation
Consumer complaint received 2025-11-25 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-25 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
This is my third time disputing with XXXX regarding two accounts that continue to report derogatory information unlawfully. 

1. XXXX XXXX : This debt has been fully paid as of XX/XX/2025, yet XXXX continues to report late payments and a derogatory status. This violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate or misleading information. Additionally, under FCRA 611 ( a ) ( 1 ), XXXX  is required to delete or correct unverifiable data. After multiple disputes, no meaningful corrections were made. I am now demanding removal of the derogatory information or complete deletion of this tradeline. 

2. CREDIT ACCEPTANCE CORP XXXX This loan has also been paid in full. Yet derogatory late payments remain, despite multiple disputes and a goodwill request being ignored. XXXX is failing its duty under FCRA 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation. Continued negative reporting of a paid debt is causing material harm to my credit and constitutes reckless noncompliance with federal 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 2025-11-25 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: NY

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX PL XXXX, NY XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Request to Block and Delete Fraudulent Accounts Identity Theft Victim Dear Experian Consumer Services, I am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name. 

The fraudulent accounts that I have identified on my credit report are as follows : 1. XXXX XXXX XXXX 2. XXXX CARD XXXX 3. XXXX CARD XXXX 4. XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$460.00} INQUIRIES : 1. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Under 15 U.S.C. 1681c-2 ( a ), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile. 

Furthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes. 

If you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity. 

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on my LendingPoint account and an incomplete investigation by XXXX. 
I recently went through a very difficult divorce while raising XXXX children alone, relocating from a high-cost-of-living area, and trying to rebuild my life financially after severe hardship. I have now paid off all my debts and am working hard to recover. 
However, LendingPoint is reporting information that is inaccurate, incomplete, and inconsistent, including : Charge-off date that does not match reported payment activity Missing and contradictory months A past-due balance reported after the charge-off Discrepancies in the delinquency timeline Missing or unverifiable reporting periods XXXX refused to correct these errors despite the obvious inconsistencies. 
This inaccurate reporting is severely harming my credit during a time when I am rebuilding my life after divorce, relocation, and financial hardship. 

I emailed them o attempt to resolve the debt and I received no response. I sent letters and received no response. I disputed this account through XXXX and XXXX and The company denied the dispute. I was under the assumption this account was paid off in XXXX. They placed multiple missed payments on my account, but if you look at my report, the last payment I made was in XXXX. They never contacted me after. When I try to log in to the account, it shows that the account does not exist. The whole situation is fraudulent and false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express has cancelled my account so I was not able to access my account, to view and check my balance. They were sending letters to my old address, but I had no way of receiving them because I had moved. In this time, I had called them but since they cancelled my account I had no way of logging in to manage my balance, interest, or payments. It is extremely inconvenient, not transparent, and very inconvenient, that I am unable to check my interest rate, payment schedule, balances left, when American Express seriously limits my option to manage them. When I call them it takes anywhere from 30 minutest to 1 hour just to get someone on the phone who says that he has no other option. It's extremely frustrating how American Express treats its past member. If anything I'd been charged interest and had been paying them every month without ability to control my payment. 

I was on the call for 1 hour just to fix my mailing address, and I have to make a call again to update the payment amount. And I have to call another number to receive a document stating everything that happened here, which I will only receive a copy in mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: NV

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-25 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: NV

Complaint narrative:
b"Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act (FCRA) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau (CFPB) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my expectation, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian's inaction violates federal law and my rights as a consumer. Account: 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 explanation
Consumer complaint received 2025-11-25 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.

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-25 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Issue : Navy Federal Credit Union denied the fraud claim without explanation and withheld the required documentation. 

Company : Navy Federal Credit Union What Happened : I filed a fraud claim with Navy Federal initially on XX/XX/year> and provided a police report, receipts, and evidence. Navy Federal denied the claim multiple times ( XXXX, XXXX, XXXX, XXXX, XXXX ) without providing any explanation, findings, reason codes, or documentation. The denial messages were incomplete, unsigned, and lacked the required written notice of investigation results, violating Regulation E ( 12 CFR 1005.11 ).

Even after appealing, the decision I received was a one-sentence email with no details. I have repeatedly requested an explanation and have not received any information.

Additionally, Navy Federal removed {$470.00} from my savings account during an active dispute without explanation.

This raises major concerns regarding : Failure to provide written findings Failure to provide documents relied upon Potential mishandling of evidence Potential improper internal withdrawals Non-compliance with Regulation E requirements I am requesting CFPBs assistance in requiring Navy Federal to : Provide the complete investigative file Provide the reason code and evidence used to deny my claim Explain the savings account withdrawal Reevaluate the claim according to federal law

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 2025-11-25 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: VA

Complaint narrative:
This is now my third formal dispute with Experian regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) across multiple accounts. Experian continues to allow the following companies to furnish unverifiable and damaging data despite my documented disputes : XXXX XXXX XXXXXXXX XXXX XXXX The loan was paid in full long ago, yet derogatory late payments remain. Experian has failed to delete or correct the tradeline after multiple disputes. Under FCRA 623 ( a ) ( 2 ), furnishers must update or correct any account found to be inaccurate. This also triggers Experians duty under 1681i ( a ) to perform a reasonable reinvestigation. At this point, Experians failure to correct this is willful noncompliance. 

XXXX. XXXX XXXX XXXX : No proof has been provided that I owe any debt to this company. I was never served, notified properly, or given an opportunity to validate this debt. This is a violation of FCRA 611 ( a ) ( 1 ) ( A ) and the FDCPA 809 ( a ), which require proper notice and an opportunity to dispute before furnishing data to the credit bureaus. Experians continued reporting of this unverifiable item is unjustified and unlawful. 

XXXXXXXX XXXX XXXX : Experian has failed to provide the Method of Verification after repeated requests. I have received no original signed contract, billing statements, or payment history to justify the derogatory status this account continues to report. FCRA 611 ( a ) ( 7 ) mandates that Experian disclose how an account was verified if requested and they have failed to do so multiple times.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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