vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
This dispute is being submitted as a second-round escalation after prior disputes and a CFPB complaint failed to result in full and lawful corrections to my credit file. 

I previously submitted disputes supported by a Federal Trade Commission Identity Theft Report, government-issued identification, and proof of address. Despite this, the credit reporting agencies failed to comply with their mandatory obligations under FCRA 605B, which requires the blocking of identity-theft-related information within four business days. Instead of blocking the fraudulent information, the bureaus improperly defaulted to a creditor-based reinvestigation process. 

As confirmed in CFPB correspondence, several accounts were ultimately deleted, demonstrating that inaccurate and unverifiable information was being reported. However, other disputed accounts, inquiries, and public records continue to appear without proper verification. This establishes a pattern of inadequate reinvestigation, failure to maintain maximum possible accuracy, and continued reporting of disputed information, in violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 3 ).

The remaining accounts being disputed include student loan tradelines serviced by XXXX ( XXXX associated tradelines ), as well as accounts from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX ), and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ). These accounts are disputed due to identity theft, lack of contractual authorization, and failure to produce competent verification, including original signed agreements or proof of obligation. 

Additionally, multiple hard inquiries were placed on my credit report without my authorization and without a demonstrated permissible purpose, in violation of FCRA XXXX4 ( a ). These inquiries show a pattern of inquiry abuse and must be deleted unless written proof of authorization is produced.

A bankruptcy record filed in the U.S. Bankruptcy Court for the Northern District of Georgia ( XX/XX/year> ) is also disputed. The bureaus have marked this item as verified as reported without providing certified court documentation, which does not satisfy the requirements of FCRA 607 ( b ), 611 ( a ), or 609 ( a ) ( 1 ) ( B ).

Because the bureaus failed to properly block identity-theft-related information, failed to issue a Victim Determination Letter, and continue to report unverifiable data, this dispute is submitted as an intent-to-enforce escalation. Full deletion or lawful verification is demanded for all remaining disputed items. Continued noncompliance will result in further enforcement actions through the CFPB, FTC, and State Attorney General, as well as pursuit of civil remedies under FCRA 616617.

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 2025-12-23 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: SC

Complaint narrative:
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 explanation
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I am documenting that despite my account being current and my XX/XX/year> payment of {$300.00} being received, Exeter Finance continues to display an incorrect amount due and is blocking my ability to make a payment online.

I was informed that my payment amount would be corrected to the contractual amount of {$300.00} ; however, this has not occurred. I am being directed to call, which I do not consent to. I am requesting written communication only.

Because Exeters system is preventing online payment, I will be mailing my XX/XX/year> contractual payment of {$300.00} via money order tomorrow to document a good-faith, on-time payment attempt.

This notice is to prevent any improper fees, delinquency, or credit reporting caused by Exeters payment-processing failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened a credit card account with Capital One for the XXXX XXXX. They offered {$250.00} dollars when you spend {$500.00} in the first XXXX months as well as 1.5 % cash back. I made a payment for {$350.00} on XX/XX/XXXX, and it was declined XX/XX/XXXX with no information from Capital One for the reason why. I called my bank " Bank XXXX XXXX '' and they stated that no payment was requested from Capital One. I called Capital One telling them there was no request for payment from my account, they requested that I send a letter from my bank with the bank letter head advising Capital One that my payment was returned in error. When I initially opened this account before I ever received the card, they moved my account into a fraud investigation and requested that I send a copy of my driver 's license. I have a XXXX 's, XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX credit cards and have never had this request before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, I hired XXXX XXXX / XXXX XXXX XXXX ( XXXX ) to repair the rear end of my XXXX XXXX XXXX, repaint the vehicle, and fix the trunk. The total agreed price was {$2700.00}. 

I paid an initial payment of {$1700.00} through XXXX XXXX using my Navy Federal card, with the agreement that the work would be completed after the remaining balance was paid. 

After a second payment was made, the merchant did not complete the agreed-upon work. The repair was left unfinished, a faulty bumper was installed, and the vehicle was not properly repaired or repainted as agreed. 

I made multiple attempts to contact the merchant to have the work completed or corrected, but they stopped responding and have effectively abandoned the job. 

I contacted Navy Federal to dispute the charge for services not rendered / defective service, but I have been unable to obtain a resolution. 

I am requesting a full refund of {$2700.00} for services that were not completed as agreed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: OR

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and XXXX requesting that it be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2025-12-23 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I am writing to formally dispute XXXX or more hard inquiries that appear on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act 15 USC 1681. Under the Fair Credit Reporting Act Section 604 a consumer reporting agency XXXX only report a credit inquiry if it was made with a permissible purpose. Permissible purposes include a transaction initiated by the consumer or written authorization provided by the consumer. I did not authorize this inquiry nor did I initiate any transaction that would allow permissible access to my consumer report. Additionally under Fair Credit Reporting Act Section 611 you are required to conduct a reasonable investigation into disputed information and remove any information that can not be verified as accurate complete and authorized. At this time I am requesting that you investigate this hard inquiry and provide documentation showing my written authorization or other proof of permissible purpose. If you are unable to provide such proof the inquiry must be deleted from my credit report immediately. Please complete your investigation within the time period required by law and provide written confirmation of the results. Failure to remove unauthorized inquiries constitutes a violation of federal consumer protection law. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently pulled my credit reports and found an inaccurate and unverified account being reported, and the inaccurate unverified account needs to be deleted and blocked from reporting on my credit report immediately. I am in the process of getting my first home for my family and starting a business. Please review all of my documents and delete and block the account listed : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/year>, I was XXXX, and during that time my husband ( now separated and soon to be ex-husband ) unlawfully took my belongings and used my credit and debit cards without authorization. This information is documented in the police report, including the fact that I was not present and could not have authorized the transactions. 

While I was XXXX, my husband made over {$3500.00} in unauthorized purchases, including charges at XXXX, XXXX, XXXX XXXX, and for XXXX XXXX  XXXX. I did not place these orders, did not authorize them, and did not receive the items. 

U.S. Bank acknowledged multiple charges from this same time period as fraudulent and credited them, confirming that my account was compromised. However, U.S. Bank has refused to credit two XXXX charges of approximately {$600.00} each, claiming they are not fraudulent solely because the items were shipped to a former shared address. 

On XX/XX/year>, I faxed and mailed the police report and victim/incident reports to U.S. Bank to support my fraud claim. These documents clearly explain that I was XXXX  at the time of the transactions and that my husband had access to my accounts and the address. Despite submitting this documentation, the bank did not review or acknowledge it.

After receiving no response, I followed up by phone multiple times. When I finally reached someone approximately one month later, I was informed that the claim had already been denied and that no further investigation would be conducted. U.S. Bank has continued to emphasize that I cant do anything about it, without addressing the police reports, my XXXX, or the fact that other charges in the same timeframe were deemed fraudulent. 

Delivery to a former shared address does not establish authorization, particularly when the cardholder was XXXX  and another individual had access. I am requesting that U.S. Bank reopen and properly investigate the claim, review the police and victim reports submitted on XX/XX/XXXX, and credit the remaining unauthorized charges.

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 2025-12-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My capital one bank account being freeze i deposit check for the amount of XXXX $ on XX/XX/year> they release my fund XXXX $ the next day and they said they rest i will see my fund on XX/XX/year> but i never see the rest of my fund according to them my account being freeze due to the legal issues .i call my receiver company and ive been taking care that part but my fund till now not being released been waiting almost one month i got frustrated i called them no one from capital one bank could help me get the correct answer they cant give the exact time when my money will be available. That fund for my school tuition because of this things i can't continue my semester. Its pretty XXXX up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The date was Monday, XX/XX/XXXX and the amount was for {$40000.00} which I was told by them that I was approved first through the convention Loan and second after they did an estimate and because of my place was a manufacturer home that I didnt own the land that it was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
To CFPB, I am writing regarding a previously disputed account that TransUnion reported as verified. This letter constitutes a renewed and documented request for the method of verification pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

I have made multiple prior requests for this information ; however, TransUnion has failed to provide the required explanation of how the investigation was conducted or what documentation was relied upon. 

Accordingly, I again request : XXXX. A summary of how the investigation was conducted XXXX. Identification of what documentation or information the furnisher provided XXXX. The name, address, and contact information of the party relied upon XXXX. Copies of any records or materials reviewed in reaching the verification decision Please note that this information was previously requested and not supplied, constituting a failure to comply with the FCRAs disclosure requirements. Additionally, TransUnions response to CFPB Complaint No. XXXX did not include the requested investigation procedures or verification documentation. 

I submitted medical documentation to TransUnion via certified mail in XX/XX/year>. If TransUnion is unable to provide the required information within the time permitted by law, the disputed information must be deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: SC

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: IL

Complaint narrative:
I am disputing inaccurate credit reporting related to the status of my account. 

My account is currently paid and in good standing. However, a 60-day delinquency continues to be reported to the consumer reporting agencies. 

On or around XX/XX/year>, I contacted the creditor regarding this reporting. The creditor reversed the associated late fee and re-aged the account, bringing it current internally. Despite this corrective action, the delinquent status was not corrected with the credit bureaus. 

Reporting a delinquency after re-aging an account creates a material inconsistency between the creditors internal records and the information being furnished externally. 

Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, furnishers are required to report information that is accurate, complete, and consistent, and to correct or delete information that can not be fully verified. 

I am requesting documentation supporting the continued reporting of a delinquency after re-aging, or correction/deletion of the inaccurate account status if it can not be fully substantiated.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc.
State: TN

Complaint narrative:
In the past I was a member of the XXXX XXXX XXXX XXXX XXXX and had a small unpaid membership debt which I took care of and updated the membership. At the time first credit services was also bothering me with phone calls but then they stopped also. And now here we are over a year later and the First Credit Services is again bothering me about this paid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: IL

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