vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: VA

Complaint narrative:
I have disputed the XXXX/GreenSky account multiple times with the credit bureaus due to conflicting and inaccurate information. The date opened is listed as both XX/XX/XXXX and XX/XX/XXXX, and the date of last activity changes across the bureaus. The balance, high credit, and payment history also vary. Additionally, the account is marked as charged off, but no documentation has been provided verifying this debt or showing the correct charge-off date. the amounts being reported are inconsistent I sent written disputes under FCRA 611 and FDCPA 809 requesting full validation, including the original contract and itemized statements. I have not received any response or documentation. The account is also still reporting a balance after being charged off, which is misleading. I am requesting full deletion due to lack of verification and inconsistent reporting. 

CRITICAL ISSUES & VIOLATIONS IDENTIFIED : Inconsistent Data Across Bureaus Date Opened shows both XX/XX/XXXX and XX/XX/XXXX Date of Last Activity ranges from XX/XX/XXXX to XX/XX/XXXX High Balance is listed as both {$4000.00} and {$4100.00} These contradictions violate FCRA 1681e ( b ) requiring the maximum possible accuracy in reporting. 

Questionable Charge-Off Status The account is marked as a Profit and Loss Write-Off and Charged Off as Bad Debt, yet continues to reflect a past due balance of {$4100.00}, suggesting continued collection efforts without providing evidence of ownership or authorization a potential violation of FDCPA 807 ( 2 ) ( A ) and FCRA 623 ( a ) ( 5 ).

Dispute Status Misuse The record displays In Dispute, yet no active dispute is marked in the account 's internal status, violating FCRA 1681i ( a ) ( 3 ) and creating confusion about the account 's resolution. 

Lack of Supporting Documentation To date, no contract, itemized billing statement, or validation notice has been provided to support the validity or amount of the alleged debt. As required under FDCPA 809 ( b ), I have a right to dispute and request proof of the debt, especially if it is affecting my ability to obtain credit. 


Dates involved : Opened : XX/XX/XXXX Last payment reported : XX/XX/XXXX or XX/XX/XXXX ( varies ) Dispute sentXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I need to cancel this and have spent hours calling and they refuse to cancel this account. This account has been unused since it was open and I have no access to the mobile app, I have no statements and when I call in no one will verify me because the mobile phone text they say they are sending is not coming through. They have stated that they are sending me a letter multiple times for verification and as I explained to them, I have not received any letters. I need some help getting someone to intervene and get this account shut down. I have provided verification of the card information, my social security number, my work phone number, my XXXX mailing addresses ( I own XXXX homes ) and the password on the account and they still refuse to assist me in closing this 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 2025-07-26 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to dispute inaccurate information reported by Navy Federal Credit Union on my XXXX  credit report. It it showing XXXX hard inquires for this company over the course of a year and a half that I didn't make. From XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. This is a false representation of my credit history and needs to be addressed immediately. 

Under 15 U.S. Code 1681c-2 ( Consumer Code 1681 ( c ) ( 2 ) ), I have the legal right to have inaccurate or fraudulent information blocked from my credit report. I am formally requesting that these Navy Federal Credit Union inquires be removed and blocked from further reporting. Additionally, per Consumer Code 605B, you are obligated to investigate and correct any identity theft-related or inaccurately reported information. Failure to comply violates my consumer rights. 

This is a false representation of my credit history and needs to be addressed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: MD

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : TransUnion and Experians Failure to Investigate and Correct Inaccurate Late Payment Reporting I am submitting this formal complaint against TransUnion and Experian for their continued failure to correct inaccurate information on my credit reports, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ).

This is now my third formal attempt to dispute inaccurate payment history reporting related to the account listed below. My initial dispute was submitted over 35 days ago, followed by a second submission. To date, I have not received any valid documentation verifying the legitimacy of the late payment being reported. 

This dispute is being submitted directly by me, XXXX XXXX, not by any third party. I am exercising my rights under the FCRA and FCBA, which require that all information included in my consumer credit file be accurate and complete. 

Disputed Account : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inaccurate late payment reporting Grounds for Dispute : I previously identified that this inaccurate reporting may be the result of a billing error under 15 U.S. Code 1666 ( b ), including : Failure to correctly post or credit a timely payment Computation or accounting errors by the creditor Failure to send a billing statement at least 21 days prior to the due date rendering the late payment legally invalid To this day, TransUnion and Experian have not provided : Any documentary evidence substantiating the reported late payment The method of verification used in their investigation The name and contact information of the furnisher who confirmed the late payment Violations : 15 U.S. Code 1681i ( a ) Failure to reinvestigate disputed information within the statutory time period 15 U.S. Code 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy 15 U.S. Code 1666 ( b ) Failure to correct or investigate a potential billing error

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 2025-07-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I transferred money from my [ Capital One / Other bank ], and the funds were placed on hold and my account locked without a clear explanation. This is my personal money, and I have not received any specific reason or timeline for when the hold will be lifted. I did all I was told to do and still they held on to my money, are they trying to rip me of my hard earned money? 
I transferred the money from my balance and they locked my account out after the fact that im following their instructions because I added my husbands account to my capital one bank and made a transfer to it, they blocked the transfer and asked me to remove his bank when I called the customer care and I did that the following day but instead of them to unlock my account and make it work they locked me out of my account and they wont mail my money to me nor remove the lock on my account. Theyre asking me to visit a branch which is 3 states away from me, I realize theyre trying to steal my hard earned money from me. 
Please escalate this to a supervisor and respond urgently. 

Name : XXXX XXXX XXXX Account ending in : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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:
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 there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am unable to add any Comenity Capital Bank-issued credit card to my XXXX  XXXX  wallets on my phones or my XXXX  Watch. Every time I try, I get an error message " Card Not Added. Contact issuer for more information. '' This is ONLY happening with adding Comenity Capital Bank-issued credit cards to my XXXX  XXXX  on any one of my four devices : three iPhones and one XXXX  Watch , registered under my long-standing XXXX  ID. This doesn't happen when adding cards of any other issuing banks or credit unions to my XXXX XXXX, and it also doesn't happen when my wife is adding the same Comenity Capital Bank-issued cards to her XXXX  XXXX  under her XXXX  ID. 

Per online research, I suspect that, for some reason, either Comenity Capital Bank or XXXX is rejecting the cards, possibly due to a low fraud risk score provided by XXXX 's XXXX  XXXX  system, possibly due to my XXXX XXXX  digital wallet having well over 80 cards, all of them mine, added to it. 

I am requesting Comenity Capital Bank 's assistance to help me add my Comenity Capital Bank-issued credit cards to my XXXX  XXXX  by working with their XXXX  ( XXXX XXXX XXXX ) and XXXX  to resole this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-26 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: NC

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant XXXX, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-07-26 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Late 60 days XXXX, and late 30 days XXXX and XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-07-26 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: TN

Complaint narrative:
The company failed to provide sufficient documentation to validate the debt and The company continued to report information that I disputed. 

I am disputing a XXXX XXXX account that continues to appear on my credit report despite being in dispute, with no contract provided, and questionable balance increases. XXXX is in bankruptcy and may no longer be furnishing this data. I have attempted to resolve this with XXXX and the bureau directly, with no success. The company has failed to provide a copy of the contract or explain the inflated charges. The account continues to report late payments, which is inaccurate, misleading, and damaging. I am requesting that this account be removed from my credit report or marked appropriately as Settled or Closed. If the creditor can not validate or no longer services the account, it should be deleted under the FCRA.

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 2025-07-26 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: TX

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 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 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 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 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 explanation