vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
{$1600.00} et seq. I a m disputing the accuracy, authorization, and legality o f certain information currently appearing in my consumer credit file. Upon review of m y credit report, I identified entries that appear to have been furnished or accessed without my knowledge, authorization, o r written consent. 
Under 1 5 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, and only when the consumer has provided lawful authorization where required. I state clearly and affirmatively that I never provided written consent for any entity, creditor, or third-party data furnisher to access, furnish, or obtain my personal information o r credit file for any purpose outside the lawful parameters o f the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and notice under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
{$1600.00} et seq. I a m disputing the accuracy, authorization, and legality o f certain information currently appearing in my consumer credit file. Upon review of m y credit report, I identified entries that appear to have been furnished or accessed without my knowledge, authorization, o r written consent. 
Under 1 5 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, and only when the consumer has provided lawful authorization where required. I state clearly and affirmatively that I never provided written consent for any entity, creditor, or third-party data furnisher to access, furnish, or obtain my personal information o r credit file for any purpose outside the lawful parameters o f the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FinCo Services Inc DBA Current
State: CO

Complaint narrative:
I received a total of XXXX credit cards in the mail from a company called current I did not apply. I am unfamiliar with this company. XXXX of them are under fraudulent unknown names that dont associate to me, but XXXX is under my first married name of XXXX XXXX XXXX called and asked them to close. It told them it was fraudulent and it is now on my credit report. I am in the process of buying House. I did not need additional credit opened up. I am trying to file this report so it will be removed I have no knowledge of a suspect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally complain about the significant disruption to my ability to complete a routine payment transaction using my Bank of America Visa XXXX ( ending in XXXX ), caused by an excessively cumbersome and ineffective verification process. 

On [ insert date of the attempted payment ], I attempted to make a payment of XXXX ( approximately [ convert to USD if needed ] ) for a legitimate purchase via an e-commerce platform. The transaction was halted due to a " required additional verification '' prompt from your system, which directed me to call XXXX for assistance. 

I followed this instruction and contacted your XXXX XXXX line twice to resolve the verification issue. Additionally, I attempted to troubleshoot the problem through your mobile app by rechecking my card binding and payment settingsall steps yielded no resolution. Your team repeatedly failed to verify my identity as the legitimate cardholder and complete the necessary authentication to process the payment, despite my providing all requested personal and account information. 

The overly complicated and inefficient verification procedures have not only prevented me from completing an urgent purchase but also wasted hours of my time and caused unnecessary stress. As a long-standing customer, I expect basic functionality of my payment card and a streamlined, effective support process when issues arise. 

I demand immediate action to : 1.Resolve the verification block on my card to allow me to complete the pending payment.

2.Review and simplify your payment authentication process to avoid similar issues for me and other customers in the future.

3.Provide a clear explanation for why the verification failed despite multiple attempts to resolve it via phone and app. 

Please contact me at [ your phone number/email ] within XXXX hours to confirm that this issue is being addressed and to update me on the resolution. I reserve the right to escalate this complaint further if no satisfactory action is taken promptly. 

Sincerely,

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 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I was reviewing my credit report recently and noticed a closed car loan from Bridgecrest that does not belong to me. I want this account removed from all of my credit reports as this does not belong to me and possibly an identity theft issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-08 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 explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Financial Institution : Navy Federal Credit Union Product : Business Checking Account / Debit Card Disputed Amount : {$71.00} Debit Card : Ending XXXX Verified Timeline and Summary On XX/XX/year>, XXXX XXXX notified me that it had denied my debit card fraud claim in the amount of {$71.00}, stating that no error occurred. This same date corresponds with the reversal of provisional credit in my account via multiple XXXX XXXX entries. 

On XX/XX/year>, I submitted a formal written second-review appeal under the Electronic Fund Transfer Act and Regulation E, fully answering all fraud verification questions and formally demanding permanent credit and disclosure of investigation documentation. 

On XX/XX/year>, Navy Federal acknowledged receipt of my appeal and stated, in writing : There is no specific timeframe for resolution Provisional credit will not be issued during the appeal Funds will only be credited if the appeal is ruled in my favor Resolution may occur by account update or mailed letter Despite XXXX determinations, no investigation documentation has been provided at any stage. 

Exact Ledger Entries for the Provisional Credit Reversals All posted on XX/XX/year> : XX/XX/year> Adjustment Debit : - {$33.00} XX/XX/year> Adjustment Debit : - {$29.00} XX/XX/year> Adjustment Debit : - {$7.00} XX/XX/year> Adjustment Debit : - {$0.00} XX/XX/year> Adjustment Debit : - {$0.00} These debits represent the reversal of provisional credit previously issued for unauthorized transactions. 

Second Review and Documentation Failure In my XX/XX/year> second-review appeal, I formally requested : Merchant verification Authorization method Transaction logs and timestamps Internal investigation notes Any evidence relied upon to conclude authorization As of today, Navy Federal has produced none of these records while maintaining its denial. 

Regulation E Violations Navy Federals conduct violates 12 CFR 1005.11, including : Reversing provisional credit without substantiated proof of authorization Denying both the initial claim and the second review without producing investigation evidence Failing to provide investigation findings upon written request Imposing an open-ended appeal process with no defined resolution timeframe Misstating or inconsistently referencing claim dates in official correspondence Harm Caused Financial loss Cash-flow disruption in a business checking account Ongoing balance instability Significant time and emotional distress attempting to correct administrative errors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute.

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-12-08 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: NC

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
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 the38668re 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
I have a prepaid American Express XXXX gift card for {$150.00}. I have never activated the card, which has an embossed expiration date of XX/XX/year>. 

I called customer service at XXXX and was told that the card is inactive and has a balance available of {$0.00} and that the funds expired on the expiration date of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-12-08 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:
The record as it stands is incomplete and misrepresents my actual financial history. I respectfully request that you conduct a detailed investigation and update the entry to accurately reflect my true financial behavior.

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 2025-12-08 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:
Please remove these unauthorized accounts from my credit report, as they are not connected to me. I also request a prompt investigation to identify and correct any additional inaccuracies.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IN

Complaint narrative:
I have been charged 3 times on XXXX, 2025 which is {$36.00} each time total is {$100.00} I have called the bank and customer service to explain that I did not receive any text to deposit money in my account to waive the overdraft fee, I told them that my son did not realized that I do not have enough money in my account and did not know about overdraft protection, he thought I have money, I thought the bank will send me a text or email me before charging me {$36.00} I did not get anything from the bank they forgave me XXXX time which refund me {$36.00} I would like to be refund for all 3 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 non-monetary relief
Consumer complaint received 2025-12-08 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: AL

Complaint narrative:
I am disputing the accounts listed below because they are being reported inaccurately, incompletely, or without proper verification, which is damaging my credit profile. I am simply a consumer trying to fix my credit. Please conduct a lawful reinvestigation pursuant to FCRA XXXX ( b ) & XXXX. 

CHARGED OFF EX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-12-08 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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

Accounts Still Inaccurate : === CHARGE OFF === TU : XXXX XXXX * * * * XX/XX/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 XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank closed my account after I deposited a U.S. Treasury refund check ( {$39000.00} ). The Treasurys official verification system now shows the check as paid. Citibank told me they are returning funds to the issuer, instead of releasing them to me. I can not obtain any documentation or clear explanation. I believe Citibank mishandled a federally issued check and need regulatory assistance.

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