vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am filing this complaint because Equifax and Experian continue to report inaccurate and inconsistent information for the XXXX XXXX account ending in XXXX. I have disputed this account more than four times with both credit bureaus over the past year, and they have failed to correct the errors. The reporting remains inconsistent, misleading, and legally noncompliant.

Despite my previous disputes AND my prior CFPB complaint, the bureaus have continued to report contradictory and unverifiable information, including : Different account types Equifax shows Revolving Experian shows Charge Card Different last payment dates ( XX/XX/XXXX vs XX/XX/XXXX ) Different status update dates ( XX/XX/XXXX vs XX/XX/XXXX ) Different charge-off descriptions and write-off details Different late payment months ( CO, 30, 60, 90, 120, 150 days late ) Inconsistent or missing DOFD information These differences create the appearance of multiple different derogatory events, increase score impact, and extend the age of the negative account all in violation of the Fair Credit Reporting Act.

Both credit bureaus have failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ). Each time I dispute, they simply verify the account without addressing the contradictory information I have documented and provided.

FCRA Violations Include : 607 ( b ) failure to ensure maximum possible accuracy 611 ( a ) ( 1 ) failure to conduct a reasonable reinvestigation 611 ( a ) ( 5 ) ( A ) failure to delete unverifiable/inaccurate information 623 ( a ) ( 3 ) reporting information known to be inaccurate Because the bureaus can not provide consistent, accurate, or verifiable information even after multiple reinvestigations the account is now legally required to be deleted, not updated.

This continued inaccurate reporting is harming my creditworthiness, preventing approvals, and causing ongoing financial harm.

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 2025-11-24 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: AL

Complaint narrative:
I am filing this complaint because after reviewing my credit reports, I discovered that the furnisher XXXX is reporting account XXXXXXXX XXXX XXXX with a {$410.00} balance, a Date of Last Activity of XX/XX/XXXX, and yet Equifax alone is showing the account as 120 days late and 90 days late on XX/XX/XXXX, while XXXX  and XXXX  are not reporting any such delinquencies at all, leaving me confused as to how one account can be dormant for nearly six years and then suddenly carry new late payments in only one bureau ; this inconsistency indicates that the furnisher and Equifax are both failing to maintain accurate data as required under FCRA 623 ( a ) ( 1 ) ( A ) and are not correcting or updating obviously false information in violation of FCRA 623 ( a ) ( 2 ), and when I attempted to dispute the issue, the continued presence of these contradictory delinquencies strongly suggests that no reasonable investigation was conducted, violating FCRA 623 ( b ) ; furthermore, my dispute rights under FCRA 611 ( 15 U.S.C. 1681i ) are being undermined because Equifax continues to report information that is chronologically impossible, inaccurate, and inconsistent with the other two credit bureaus, placing me in a position where I feel as though my credit file is being mishandled, my rights are being disregarded, and the burden of fixing a problem I did not cause continues to fall on me despite clear evidence of reporting errors and regulatory non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Nelnet, Inc.
State: TN

Complaint narrative:
1. I asked XXXX and XXXX  both to remove fraud alert for years by letter and phone calls for several years an it still wasnt removed 2. With XXXX  they have a fraud alert in my profile with old number XXXX that I no long have. when I was able to move I never get the 6 digit code by email which Im still u able to change my number to my new ovine number which is XXXX. I plan on sueing Experian if this information is not removed from my credit which is the remarks of old number and fraud alert. This has been an ongoing issue for years. And it hasnt been changed at all. Please remove fraud alert period from Experian and Transunion and remarks and old phone that I dont have which is XXXX Please update my new phone number which is XXXX. This has being going in for years. If not removed I will FILE A LAW SUE. Also, remove my student loans which I have disputed with a XXXX balance, also remove my car loan thats done and paid to a XXXX balance please remove the car loan : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This document provides a consolidated overview of the accounts challenged in the attached dispute letters submitted to TransUnion, Experian, and Equifax on behalf of XXXX XXXX. The purpose of the disputes is to request a reinvestigation under the Fair Credit Reporting Act ( FCRA ) due to reporting inaccuracies, incomplete information, and unverifiable data. 

XXXX. XXXX XXXX XXXX : Charge-Off / Derogatory ( All Bureaus ) Appears as a major derogatory charge-off across all three credit bureaus. 

The reporting contains : Conflicting or inconsistent dates Missing or incomplete Metro-2 fields Status-code discrepancies Insufficient validation from the furnisher Requested Action : Full reinvestigation and deletion if proper substantiation can not be provided. 

XXXX. XXXX XXXX : Charge-OfXXXX ( Experian Only ) Reported as a charge-off with a {$130.00} balance. 

Dispute is based on : Incomplete Metro-2 data Inconsistent reporting dates Unverifiable account information Requested Action : Reinvestigation and deletion if validation is lacking. 

XXXX. XXXX XXXX XXXX : Collection ( Equifax Only ) Reported as a derogatory collection account with an {$89.00} balance. 

Dispute is based on : Missing required reporting fields Inconsistent dates Unverified collection details Requested Action : Reinsertion review and deletion if the furnisher can not validate all data. 

Purpose of These Disputes Across all three bureaus, the disputes challenge items that appear inaccurate, incomplete, or unverifiable under FCRA 602 ( A ), 611, and Metro-2 reporting standards. Each letter requests : A full reinvestigation Complete documentation from furnishers Deletion of any item that can not be fully validated Written confirmation once the reinvestigation is complete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
This document provides a consolidated overview of the accounts challenged in the attached dispute letters submitted to TransUnion, Experian, and Equifax on behalf of XXXX XXXX. The purpose of the disputes is to request a reinvestigation under the Fair Credit Reporting Act ( FCRA ) due to reporting inaccuracies, incomplete information, and unverifiable data. 

XXXX. XXXX XXXX XXXX : Charge-Off / Derogatory ( All Bureaus ) Appears as a major derogatory charge-off across all three credit bureaus. 

The reporting contains : Conflicting or inconsistent dates Missing or incomplete Metro-2 fields Status-code discrepancies Insufficient validation from the furnisher Requested Action : Full reinvestigation and deletion if proper substantiation can not be provided. 

XXXX. XXXX XXXX : Charge-OfXXXX ( Experian Only ) Reported as a charge-off with a {$130.00} balance. 

Dispute is based on : Incomplete Metro-2 data Inconsistent reporting dates Unverifiable account information Requested Action : Reinvestigation and deletion if validation is lacking. 

XXXX. XXXX XXXX XXXX : Collection ( Equifax Only ) Reported as a derogatory collection account with an {$89.00} balance. 

Dispute is based on : Missing required reporting fields Inconsistent dates Unverified collection details Requested Action : Reinsertion review and deletion if the furnisher can not validate all data. 

Purpose of These Disputes Across all three bureaus, the disputes challenge items that appear inaccurate, incomplete, or unverifiable under FCRA 602 ( A ), 611, and Metro-2 reporting standards. Each letter requests : A full reinvestigation Complete documentation from furnishers Deletion of any item that can not be fully validated Written confirmation once the reinvestigation is complete

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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am disputing a debt that is not mine. Credit Collection Services sent me written confirmation that the account was closed, returned to the original creditor, and that they instructed all credit reporting agencies to DELETE the account. Despite this, XXXX  continues to report it. This violates FCRA 607 ( b ) ( maximum accuracy ), 611 ( must delete unverifiable or inaccurate data ), and 623 ( a ) ( 2 ) ( furnisher must notify CRAs to delete inaccurate information ). I am requesting immediate deletion. Letter from CCS attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: LA

Complaint narrative:
At XXXX XXXX  today, XX/XX/2025, I was sent money from XXXX XXXX for {$55.00} and I could not withdraw this money after several attempts, I have a debit card as my default payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: DE

Complaint narrative:
CFPB COMPLAINT NARRATIVE XXXX XXXX XXXX I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and contradictory information about my auto loan. My XXXX XXXX XXXX XXXX was not repossessed. It was involved in an accident on XX/XX/XXXX, when another driver rear-ended me. The vehicle was taken to the XXXX XXXX XXXX XXXX XXXX the same day. Hyundai never repossessed the vehicle. 

On XX/XX/XXXX, Hyundai sent me a Notice of Our Plan to Sell Property. I called immediately, updated my address, and was informed the vehicle would be sold. Hyundais ledger shows they posted auction proceeds on XX/XX/XXXX, confirming the sale happened around that time.

Hyundai received approximately {$5500.00} for the sale. My balance was approximately {$2800.00} plus fees, leaving a documented surplus of {$1800.00} according to their breakdown. Hyundai later sent a partial check for {$840.00}, which was deposited on XX/XX/XXXX and reversed on XX/XX/XXXX. These amounts conflict with Hyundais own statements.

Despite Hyundai receiving more than I owed, XXXX is reporting my account as a charge-off and repossession, which is inaccurate. The vehicle was not repossessed, I did not default, and Hyundai did not suffer a loss. Their ledger reflects a {$0.00} balance and conflicting surplus information. 
XXXX  has now posted paid, loss {$4000.00} written off. Hyundai has suffered no loss as per their ledger. They have had the vehicle since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Navy Federal Credit Union regarding unauthorized transactions and the mishandling of my dispute claim. 

In XXXX of this year, a series of fraudulent withdrawals totaling {$8000.00} were made from my Navy Federal account via XXXX XXXX. My account was compromised, and despite the removal of my card from the XXXX XXXX platform, unauthorized transactions continued to occur. 

Upon discovering these fraudulent transactions, I promptly contacted XXXX XXXX, who stated that I have never had an account with them. Subsequently, I immediately contacted Navy Federal to report the fraudulent activity and filed an official police report. Despite these actions, Navy Federal has failed to provide a full provisional credit or conduct a fair and thorough investigation into the matter. The lack of adequate response and resolution from Navy Federal has resulted in significant financial loss and undue hardship. As a direct consequence of these unresolved fraudulent transactions, I have been unable to meet my financial obligations, leading to missed bill payments and periods of food insecurity. 

I respectfully request the CFPB to investigate this matter thoroughly and facilitate the recovery of the {$8000.00} taken from my account without my consent. I am available to provide any additional information or documentation necessary to support my claim. 

I hope this issue is resolved as quickly as possible. Thank you for your prompt attention to this critical issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I have previously disputed XXXX XXXX acct # XXXX charged off with a past due balance {$1800.00} as of XX/XX/year>, XXXX acct # XXXX charged off with a past due balance of {$200.00} as of XX/XX/year>, XXXX XXXX XXXX acct # XXXX charged off with a past due balance {$160.00} as of XX/XX/year>. I have asked all these creditors for a 1099 which is required by law if charged off. You cant have a past due amount reporting if charged off. This is violation of FCRA 15 USC s-2 ( b ) and 15 USC 1681. I have requested by certified mail for the tax form 1099 from all the creditors on XX/XX/year> for none of them to send it to me. These are violations and lve taken the proper steps to get account accurately verified and they are still being inaccurately reported. XXXX  verified all these accounts XX/XX/year>

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 2025-11-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I previously submitted a written dispute to CAPITAL ONE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), CAPITAL ONE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since CAPITAL ONE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure CAPITAL ONE XXXX immediate compliance with FCRA requirements. CAPITAL ONE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple inaccurate or unverifiable items on my credit report, including incorrect personal information and several accounts that continue to be reported without proper verification. These items include XX/XX/XXXXas well as a number of inquiries such as XX/XX/XXXX and XX/XX/XXXX I requested a full reinvestigation of each account and inquiry, with removal of any information that could not be fully verified. These disputed items still appear on my credit report, and I have not received proper reinvestigation results, verification details, or an explanation from the credit bureau. This failure to correct or remove unverifiable information, combined with the lack of required notice, constitutes a violation of the FCRAs reinvestigation obligations.

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 2025-11-24 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-24 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
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 non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
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