vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Capital One Bank agreed to wire my funds, a week ago, from my closed account with them to my Checking account with XXXX XXXX XXXX XXXX. 

I have yet to get a confirmation that my XXXX XXXX dollars plus has been received by XXXX. I'm in fact waiting for this confirmation from XXXX. In the interim, I'd like a confirmation from Capital One Bank that my money has been wired to XXXX, as they denied this very same request twice, as I was exiting my checking account with Capital One as they closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: RI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company 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 2025-10-24 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: Nelnet, Inc.
State: GA

Complaint narrative:
I sent XXXX requests for validation to a company called FirstMark Services. Theyve had from XX/XX/year>, to provide proof of my responsibility for any accounts with them. However, they failed to provide any information each time, stating that I must validate myself first before they can prove anything. Instead, they requested all my personal information, including my full name, date of birth, account number, address, Social Security number, and so on, before identifying who they were.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account. 

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items. 

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing.

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent.

The balance, past due amount, and status are not accurately reported.

The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off. 
2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated.

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA.

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary.

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding multiple inaccurate, incomplete, and potentially unlawful entries on my credit report. I have repeatedly attempted to resolve these issues directly with the creditors and the credit bureaus, yet the inaccuracies persist, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. These inaccuracies are harming my ability to obtain credit and causing undue financial stress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff Opened XX/XX/year> XXXX {$71.00} XXXX XXXX This account has been erroneously reported as a charge-off. I never received proper notice of default, nor did I authorize such reporting. Under FCRA 1681i ( a ) and 1681s-2 ( b ), I have the right to have this item fully verified before reporting. The failure to validate this account demonstrates negligence and misreporting. I request its immediate removal until full verification can be provided.

I demand that all disputed accounts and inquiries be fully reinvestigated in accordance with FCRA 611 and that inaccurate information be corrected or deleted promptly. Continued reporting of false or unauthorized information constitutes willful noncompliance and exposes the furnishers and credit reporting agencies to statutory damages under FCRA 1681n. I expect written confirmation of all actions taken to correct these inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX 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 : {$0.00} Therefore, the following accounts must be deleted from my report 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 non-monetary relief
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
This is a follow-up complaint regarding TransUnion 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. TransUnion has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ). 
Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data. 
Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects TransUnion to potential regulatory and civil liability.

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 2025-10-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: NY

Complaint narrative:
I made a purchase through Klarna. The product didnt without so I return it. The store made a refund to a card I dont have access to and klarna is asking fir me to pay thrm with interests. They are not providing proof where the refund was made and now Im stuck with a {$600.00} bill. Please help. The company is saying i received the refund when i didnt and now demanding and taking money out if my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
Guarantee that accounts flagged as disputed are promptly eliminated according to law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: KY

Complaint narrative:
Summary of complaint : I am a registered nurse and homeowner with an XXXX mortgage serviced by PennyMac Loan Services , LLC . The servicer has failed to report the account to any credit bureau since XXXX, closed the tradeline, and is still pursuing foreclosure in XXXX XXXX XXXX XXXX ( Case No. XXXX, XXXX. XXXX ). 

PennyMac falsely claims my last payment was XX/XX/XXXX, even though I made XXXX trial modification payments and was approved for a XX/XX/XXXX unemployment bridge program through XXXX XXXX. PennyMacs actions misrepresent my payment history, obscure the true loan status, and block my access to legitimate loss-mitigation options such as forbearance or modification. 

The company has not followed XXXX servicing and loss-mitigation rules, failed to provide accurate XXXX XX/XX/XXXX ( XX/XX/XXXX) disclosures, and violated FCRA by ceasing all credit reporting for XXXX years. This misconduct has damaged my credit, prevented refinance or sale, and placed my household at risk of wrongful foreclosure. 

I am a documented survivor of domestic violence protected under the Violence Against Women Act ( XXXX ). These actions have intensified my financial and housing instability and constitute retaliation and discrimination prohibited under XXXX. XXXX dependent child qualifies as homeless under the McKinney-Vento Homeless Assistance Act, and loss of our home would cause severe harm to their education and welfare. 

Requested resolution : XXXX. Require PennyMac to provide a full and accurate accounting of all payments since XXXX and correct credit-bureau reporting . 
XXXX. Compel PennyMac to comply with XXXX loss-mitigation protocols and halt foreclosure while federal review is pending. 
XXXX. Investigate for violations of XXXX, XXXX XXXX XXXX FCRA, and XXXX servicing requirements. 
XXXX. Ensure housing protections for my dependent under XXXX are respected. 

Supporting materials available : court filings, credit reports, payment receipts, XXXX complaint confirmations, and correspondence with PennyMac and its counsel XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime closed my account for nothing over charged my account made it a negative and wouldnt let me re open an account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Good morning, my precious claim was very helpful in removing all of the items from my credit report per the Fair Credit Reporting Act ( FCRA ) 611, however the XXXX XXXX  seems to still be effecting my credit score. Even though it shows on my Equifax Report as cleared. ( Not in Collections )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: NV

Complaint narrative:
I have tried to voluntarily turn car in. They keep stalling me. I have called multiple times. They treat me like I'm XXXX and ask a million question over and over. They transfer from one boss to the next. All with the same repeat questions. They have been told for over 60 days to get car and address. I feel like they are trying to better themselves and burden my family with even more debt. I fell behind on loan cause of cost of living. My family is going to eat and have health taken care of over a car. I just need car picked up. The address it is at has been given multiple times. Can't keep car there forever. No registration and no insurance. Parked where repo car can get. Both keys in center console. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
This complaint continues from CFPB XXXX XXXX. XXXX, XXXX, and XXXX ( Case XXXX ). EQUIFAX : The company previously deleted or confirmed deletion of inaccurate public record data ( bankruptcy ) but later reinserted the same information without certification or written notice. 
This violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and demonstrates a failure to maintain reasonable procedures under 607 ( b ). 

XXXX originally confirmed the deletion of all bankruptcy records and stated that the information had been forwarded to the nationwide credit bureaus. 
However, the same bankruptcy tradelines have reappeared on my XXXX, Equifax, XXXX, and XXXX XXXX  consumer reports without verification or notice of reinsertion. 
This shows there are no functional anti-reinsertion procedures and that the data is being recycled without lawful certification. 

When I provided new documentary evidence from the XXXX Bankruptcy XXXX confirming that the court does not furnish or verify consumer information to any credit bureau or reseller, both Equifax and Experian labeled my follow-up disputes as frivolous. 
This refusal to reinvestigate violates 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 3 ) ( A ).

The bureaus also issued ambiguous results letters stating my disputes were processed either updated or deleted but failed to specify what actually changed.

That violates 611 ( a ) ( 6 ) ( A ) ( written notice of results ).

Across all four entities, these acts reflect a willful pattern of non-compliance with FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 3 ) ( A ), 611 ( a ) ( 5 ) ( B ), and 623 ( a ) ( 1 ) ( A ). 

Relevant precedent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CRAs must do more than accept a furnishers word. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to maintain reasonable procedures equals liability. 

XXXX XXXX XXXX XXXX XXXX XXXX  Reinsertion without certification violates 611 ( a ) ( 5 ) ( B ). 

Attached is the XXXX XX/XX/XXXX enforcement order against Equifax for failing to conduct adequate investigations, re-inserting deleted inaccuracies, and sending confusing results letters. These findings mirror the same violations described here, demonstrating an ongoing pattern of non-compliance with FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 5 ) ( B ). 

For evidentiary reference, I have attached the XXXX XXXX federal complaint Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX XXXX, which details systemic failures in reinvestigation and reinsertion procedures identical to those I experienced. This document demonstrates that the conduct described here is part of an ongoing, industry wide pattern of non-compliance with the Fair Credit Reporting Act

Company response to consumer: Closed with explanation