vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I formally disputed these items and explicitly requested verification, including proof of authorization, complete payment histories, and evidence of Experians permissible purpose to continue reporting this information. Despite this request, Experian has continued to report damaging derogatory information without providing the required documentation or demonstrating that a reasonable reinvestigation was conducted, as mandated by 15 U.S.C. 1681i.

Experian appears to rely on automated or superficial verification processes rather than conducting a lawful reinvestigation. This practice is insufficient under the FCRA, particularly in light of known data-security failures and the heightened risk of unauthorized or inaccurate reporting.

By continuing to publish unverified derogatory information, Experian is causing ongoing financial harm, suppressing my credit scores, and interfering with my ability to obtain credit on fair terms. Experians actions demonstrate a failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-12-16 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HUNTINGTON NATIONAL BANK, THE
State: ND

Complaint narrative:
I sent a verfication letter to Huntington Bank for my assignment contract and I still haven't received it on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
The insurance payed off my balance on and they have it as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-12-16 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: LA

Complaint narrative:
am filing this complaint to request the immediate deletion of the following trade lines due to demonstrably false reporting, conflicting dates, and re-aging of old debt in violation of the FCRA and Metro 2 standards. 
XXXX. XXXX  XXXX ( Factual Inconsistency & Date Errors ) : The reporting for this account is factually impossible and unreliable. 
Contradictory Dates : The bureaus are reporting conflicting 'Date Closed ' information for the exact same account. One report lists the closure as XX/XX/XXXX, while another lists it as XX/XX/XXXX, and a third as XX/XX/XXXX. A single account can not have three different closure dates.

Contradictory Balance : The account is listed as 'Paid charge off ' ( implying a {$0.00} balance ) but simultaneously lists 'Amount Past Due : {$120.00} '. These statuses are mutually exclusive. 
Violation : This violates the FCRA requirement for maximum possible accuracy. The data is unverifiable and must be deleted. 
XXXX. XXXX XXXX XXXX XXXX ( Illegal Re-aging ) : Improper 'Zombie ' Reporting : This account is listed as 'Closed ' in XXXX, yet the creditor continues to report fresh 'Derogatory ' and 'Late ' statuses for every month in XXXX and XXXX. 
Violation : Reporting current delinquency on an account that was closed and charged off years ago is misleading and artificially suppresses my credit score. This constitutes illegal re-aging of the debt.

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 2025-12-16 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: VA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information on reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-12-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: NM

Complaint narrative:
Sold stock on Friday. Money never transferred. Requested info several times, no response. Its true that cash app commits fraud and there is NO customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
b'I received a letter on XXXX XXXX XXXX from Monterey collections in XXXX  California in relation to an alleged debt. On XXXX XXXX XXXX I sent a debt validation letter (certified mail # XXXX XXXX XXXX XXXX XXXX XXXX received on XXXXrequesting the following items 1-the name of the original creditor 2-proof of the purchase price of this debt and the date of purchase from the original creditor 3-the amount of the alleged debt 4-a detailed statement explaining how the debt was calculated 5-a copy of the original contract or agreement bearing my wet ink signature 6- proof that you are authorized to collect this debt in my state 7- a copy of any judgment if applicable 8- a copy of the contract with my wet ink signature granting Monterey collections access to my personal private information 9- a detailed statement of payment history with the payment from account information including account number and the institution name. After the request I quoted in the letter "until you provide the proper validation requested I request that you cease all collection activities and not report this debt to any credit reporting agencies per my protected right to privacy if you have already done so please notify them that the debt is disputed immediately." Today XXXX, this unverified debt is showing on my XXXX  credit report and I am mailing another letter to verify the debt in the morning. Certified mail #XXXX XXXX XXXX XXXX XXXX. I have all copies of my letters and all receipts for the certified mail.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am formally escalating my request for the release of {$10000.00} after a year in my account balance that remains unpaid following the closure of my PNC account. The overdraft activity leading to the closure was the direct result of fraudulent transactions caused by account hacking, not authorized spending by me. 

Under banking regulations and PNCs own policies, customer funds that are not part of confirmed fraud losses must be returned to the account holder. To date, I have not received my remaining balance or a clear explanation for the delay. 

I am requesting immediate review and issuance of a refund check. If this matter is not resolved promptly, I will be forced to pursue further remedies, including formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state banking regulator. 

I prefer to resolve this matter directly and amicably. Please respond with confirmation of when my refund check will be issued. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I have filed XXXX identity theft reports requesting inaccurate, fraudulent inquiries be removed from my report. I subnitted this report to XXXX, who refuses to remove the illegally placed inquiries. Reporting inaccurate and fraudulent information on my report is commonplace behavior with XXXX. As an example, XXXX  continues to report an account with USAA for a vehicle loan. The vehicle was stolen. USAA incorrectly told XXXX XXXX XXXX that my payment was going to bounce, therefore causing my policy to lapse. The money was there and had USAA handled the payment honestly, the policy would have been active at the time the vehicle was stolen. Yet, despite nearly XXXX years of disputes to XXXX  have yielded no results. XXXX  continues to report the inaccurate information. It has done so with addresses that were fraudulent too. Now it's refusing to remove fraudulent inquiries. This is a blatant violation of FCRA law. XXXX  does not care that it's violating the law because it knows that the CFPB, FTC, or XXXX will not support an individual consumer like myself. I request that the CFPB encourage Experian to remove the fraudulent inquiries as well as the USAA account. USAA should also compensate me for the last XXXX  years of destroyed credit. They had no right telling XXXX that my payment would be returned. My account had {$3.00} more in it vs the payment amount. The malicious and absurd behavior of XXXX  must not continue unpunished.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I requested Experian to remove any addresses and names from my credit profile that didn't match my driver license and the proof of address that I sent in and they have yet to remove it. According to the FCRA anything that is in inaccurate or incorrect on my profile must be removed immediately. Attached to this complaint will be the documents showing the only address and name that should be on my profile and all the other ones that don't match should be removed immediately.

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 2025-12-16 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished tthis account and we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. The company did not follow the proper XXXX step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account taken off immediately. 

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 2025-12-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX TX XXXX SS # : XXXX XXXX : XX/XX/1978 Consumer Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue

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 2025-12-16 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: NV

Complaint narrative:
I reported unauthorized transactions totaling {$1800.00} on XX/XX/year>. Navy Federal Credit Union issued a provisional credit and then reversed it on XX/XX/year>, denying my claim without providing evidence that I authorized the transactions and stating " no error occurred ''. After I requested the documents relied upon to deny my claim, Navy Federal did not produce them and instead shifted the burden to me to appeal. This conduct is consistent with the issues addressed in the Stephenson v. Navy Federal Credit Union settlement concerning improper denial of unauthorized-transaction claims.

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 2025-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received Capital One XXXX credit card in mail to my parents address on XX/XX/XXXX, thought nothing of it because I hadnt seen the actual information and now after doing extensive research on XX/XX/XXXX realized it is fraudulent when I went into Capital One to search an account there was already an account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I am submitting this complaint to dispute XXXX fraudulent checking accounts that were opened and/or used without my knowledge or authorization as a result of identity theft. 

I am a confirmed victim of identity theft and have filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report Number : XXXX, dated XX/XX/2025 ). A copy of this report is attached to this complaint. 

I did not apply for, open, authorize, or benefit from any of the following checking accounts. I did not sign any documents, provide consent, or authorize any transactions associated with these accounts. Any activity related to these accounts was conducted fraudulently and without my permission. 

Fraudulent Checking Accounts : 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 XXXX XXXX} I discovered these accounts after reviewing my financial records and receiving notices regarding accounts and balances that I did not recognize. These fraudulent accounts have caused financial harm and may have negatively impacted my consumer reports. 

Despite being a documented victim of identity theft, I am disputing these accounts because they should not have been opened in my name, and I should not be held financially or legally responsible for any associated balances, fees, overdrafts, or adverse reporting. 

I respectfully request CFPB assistance to ensure that these accounts are closed, and permanently removed from my record, and that all negative reporting related to these fraudulent accounts is corrected or deleted. 

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 2025-12-16 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: MO

Complaint narrative:
This account was reported to the credit bureaus without my prior knowledge or consent, and I never received any communication or documentation regarding this alleged debt from the collector. As such, I question its accuracy, origin, and legitimacy.

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 2025-12-16 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MO

Complaint narrative:
XXXX XXXX XXXX appears on my credit report as an open account, which falsely implies an active and valid consumer obligation. I dispute this account in its entirety. I have never entered into any agreement with XXXX XXXX XXXX, nor have I authorized them to furnish information to consumer reporting agencies. Because no contractual relationship exists, XXXX XXXX XXXX lacks a permissible purpose under federal law to report this account. 

Despite this, XXXX XXXX XXXX continues to furnish inaccurate information on my credit report, failing to ensure the maximum possible accuracy of the data they are reporting. 

The continued reporting of this account is inaccurate, misleading, and illegal, and it is causing direct harm to my credit profile. 

This company is violating the following FCRA regulations : 15 U.S.C. 1681s-2 ( a ) Furnishing information that is inaccurate and unsupported by any valid consumer agreement.

15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute.

15 U.S.C. 1681b Reporting without a permissible purpose, as no consumer relationship or authorization exists 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible 15 U.S.C. 1681c Reporting information that should not legally appear on a consumer credit report. Reporting an open account with no agreement is a material misrepresentation and a clear FCRA violation.

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