vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Problem Billing disputes ; improper application of payments Improper credit reporting/charge-off Failure to provide IRS-required forms ( 1099-A , 1099-C Copy B ) Threatened repossession despite valid discharge Unauthorized withdrawals from savings account What Happened XX/XX/XXXX Filed IRS Form 1099-A for XXXX XXXX XXXX, accepted by IRS. Copy mailed to Navy Federal, delivered XX/XX/XXXX. 
XXXX XXXX, XXXX Sent Registered Security via USPS # XXXX for full accord and satisfaction. Delivered XX/XX/XXXX. 
XX/XX/XXXX Emailed CEO XXXX XXXX, attaching 1099-A and requesting Copy B. 
XX/XX/XXXX Sent tender of payment ( {$22000.00} ) via USPS Priority # XXXX, delivered XX/XX/XXXX. Account not updated, instrument not returned. 
XX/XX/XXXX Sent Notice of Default to CEO. Stated that NFCU failed to honor tenders, failed to return securities, committed billing error violations, and wrongfully withdrew funds from savings ( 12 C.F.R. 1026 violation ). 
XX/XX/XXXX Sent Notice of Dishonor to XXXX XXXX, CFO, providing opportunity to cure. No cure received. 
XX/XX/XXXX Sent Notice of Default to CEO at XXXX, GA branch via USPS Registered # XXXX, Return Receipt # XXXX. Documented continued failure to honor tenders, breach of fiduciary duty, and unauthorized withdrawals from savings ( constituting theft ). 
XX/XX/XXXX Navy Federal sent me a Notice of Default Opportunity to Cure. 
XX/XX/XXXX Requested Copy B of IRS Form 1099-C related to account. No response received. 
XX/XX/XXXX Navy Federal reported account as closed/charged off ( {$22000.00} ) to credit bureaus without providing 1099-C, in violation of IRS requirements. 
Present Navy Federal continues derogatory reporting, asserts debt remains, and has issued a repossession order against the vehicle. 

Laws/Regulations Violated Maryland Commercial Law 3-603 ; UCC 3-603, 3-104 , 3-311 26 C.F.R. 1.6050P-1 ( failure to provide Copy B of 1099-C ) FDCPA, 15 U.S.C. 1692 et seq. 
FCRA, 15 U.S.C. 1681s-2 12 C.F.R. 1026 ( billing error protections ) 31 U.S.C. 3123, 5118 ; HJR 192 ( Public Law 73-10 ) Consumer Harm Inaccurate credit reporting damaging my credit score Threat of repossession despite lawful discharge Emotional and reputational harm Unauthorized withdrawals from savings account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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 2025-09-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I sent the wrong to cashapp person. In when I tried to cancel and ask for refund they denied the request. I reached out to cashapp customer service in did all the steps that they told me to get my money back in still no money. I did a dispute with them three times and they denied it all three times. I sent them pictures of the person that the money supposed to went to that I send to. I even had a receipt from the person stating the amount that had to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have noticed late payment entries on my report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, my report must reflect only information that is accurate, complete, and verifiable. I am requesting a verification of these late payment entries, and if they can not be substantiated, I request that they be corrected or removed.

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 2025-09-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX User ID Login is temporarily unavailable. 
This error now shows at any hour of day and night and on any computer or browser. I think it means they had me try over and over the wrong credentials that some kind of security block has now be imposed by the system on the username they want me to use on usbankfocus. 
But even if they reset that block the error would only revert to the one where they ask me to call them at the number on the back of my card as the username they want for me to use to access my usbankfocus card is an username already connected to my credit cards and bank account at usbank. They need to associate the right username to my usbankfocus card : mtmdebus. That is the one I used to have and is not connected to my bank account. I know they are messing with my usbank checking account credentials because once I reset the password at XXXX ( supposedly for my usbankfocus card as per their prompts ) that did NOT WORK to allow me to access to my Usbankfocus card BUT DID change the password I need to use to access my checking account and my credit cards at usbank.com. In fact USbank sent me the warnings that someone has changed my USbank checking account and credit cards password as soon as I followed the procedure to reset the password for my USBANKfocus card and usbankfocus.com. I tried any of the actions with several computers, browsers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) and internet connections but the results are always the same. Also, if I try to log on the USbank app with the credentials they want me to use I am logged into my bank account and credit cards, not my focuscard as those are the credentials belonging to those accounts, not to my focuscard. They need to restore the right credentials ( username, I can reset the password myself once they do that ) : mtmdebus, for my focus card since the username they want me to use belongs to my checking account and credit cards at XXXX and also in the app logs me in into those accounts, not my focuscard. they know lost my last ticket ( don't have any answer to it and they claim was never opened after claiming they were waiting for an answer to it for 10 days ) and when today I asked them to open another they refused to give me a ticket reference # to be able to track it should they claim it was never opened in 10 days or so. 
I called the number on the back of my focuscard dozens of times over the last month with no results. I have had XXXX way calls between XXXX XXXX credit and checking account ) and XXXXXXXX XXXX XXXX XXXX supervisor with no solutions given. They even deny those ever happened next time I call the number on the back of my focuscard.

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 2025-09-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting the inquiry reported from XXXX XXXX XXXX XXXX, as it appears on my credit report without my knowledge or authorization. I did not initiate any credit application or transaction with this entity on or around that date. Reporting an unauthorized inquiry violates the Fair Credit Reporting Act and unfairly impacts my credit profile by lowering my credit score and suggesting credit-seeking behavior that did not occur.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On the late evening of XX/XX/year> I purchased an airline ticket on XXXX XXXX for my son for a trip to XXXX for XX/XX/year> thru XXXX for {$1000.00} with the option to receive a full refund if I cancel within XXXX. 
I cancelled the reservation around XXXX XX/XX/year> via XXXX XXXXXXXX and received my cancellation notice. 
I received a refund of {$400.00} within a few days of my cancelation. 
I waited for the additional {$680.00}, to no avail. On XX/XX/XXXX I contacted XXXX, provided my info and verify refund. XXXX then contacted XXXX XXXX who stated the refund was issued and to give it 7-10 business days. Around XX/XX/XXXX I checked my credit card statement from capital one and not refund. I called XXXX again on XX/XX/XXXX who called XXXX XXXX and was told they had a glitch and for some reason the refund didn't process the airport taxes and fees, only the ticket cost but assured that it was fixed and the refund was submitted on XX/XX/XXXX for the remaining {$680.00} and verified the credit card used. I was informed to wait 1-2 billing statements before the bank will show the refund. I called the end of XXXX and XXXX had me submit my credit card statements showing no refund was issued. XXXX again contacted XXXX XXXX who only stated they did send the refund of {$680.00} and the credit card has the refund. I called again in XXXXXXXX XXXX giving Capital One time to show the refund. I was informed yet again the refund was issued on XX/XX/XXXX. At that point I reached out to capital one and disputed the charged and asked about the remaining credit. Capital One submitted the claim to XXXX XXXX. 2 days later I received a response that XXXX XXXX said I was not entitled to a refund and that I had the option to dispute and submit documentation. I then called XXXX and stated I needed proof from XXXX XXXX of the refund. They contacted XXXX XXXX and XXXX said it was giving an error when they tried to email me the cancelation and refund so the person from XXXX sent me an email with the details. I waited a couple of days to see if XXXX XXXX computer issue was fixed and called XXXX again. They were able to send me documentation that XXXX XXXX issued the refund and of my cancelation. I took that information and used the link Capital One provided me for my dispute. I just received another email from capital one that ny documentation was not good and the case is closed. It's clear a refund was issued and either XXXX XXXX has a glitch again and it went no where or capital one has an issue and my credit is floating in space.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} 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  Balance Owed : {$19000.00} 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 XXXXalance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am once again submitting a formal dispute regarding the continued presence of inaccurate billing information on my credit report. Despite my prior requests, I have identified accounts that are still reporting details that do not properly reflect my true payment history. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which provides me the right to dispute billing inaccuracies and requires a thorough reinvestigation by the reporting furnisher. Please reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$19000.00} 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  Balance Owed : {$19000.00} 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 XXXXalance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00}

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 2025-09-24 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. This CFPB complaint has been filled to request pursuant to FCRA & 605b ( 15 U.S.C & 1681c-2 ) that you, the XXXX 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 opened up at Wells Faro on XXXX under the account number XXXX with a balance of XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of hard inquires 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 inquires as reported. The aforementioned account maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collection and hard inquires are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint # XXXX as proof from the US federal trade commission that all of the aforementioned. consumer credit account, collections and hard inquires are the result of identity theft and fraud.

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and complete. I am requesting a review of these entries, and if they can not be verified as accurate, I ask that they be removed from my report.

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 2025-09-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute multiple inaccuracies currently appearing in my credit report, which are negatively affecting my credit standing. These include errors in personal identifying information, inaccurate account reporting, and unauthorized or misattributed inquiries. Despite my efforts to ensure that my credit file reflects only accurate and verifiable data, the following issues remain unresolved. 
My credit file lists several incorrect variations of my name : " XXXX XXXX XXXX '' appears multiple times, and these listings should be corrected and standardized to reflect my full, legal name accurately and only once. In addition, XXXX addresses are being reported that are not associated with me and should be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The following accounts are also inaccurately reported : XXXX  XXXX ( account ending in XXXX ) is being reported as " late open '' with balances of {$50.00} and {$15.00}, which is misleading and does not accurately reflect the current account status. 
XXXX XXXX ( account beginning with XXXX ) and XXXX XXXX ( account beginning with XXXX ) are both being reported as charge-offs, despite ongoing efforts and payments toward resolution. These entries are inaccurate and must be fully verified with supporting documentation or removed if unverifiable. 
Additionally, multiple inquiries appear on my credit file that are not associated with any finalized or authorized credit transactions and do not reflect any open accounts. These include inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others between XXXX and XXXX. The presence of these inquiries is unfairly impacting my credit profile and requires correction under the FCRA. 
Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, I have the right to dispute any inaccurate information and to request a reinvestigation to ensure maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation