vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-12-03 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: CO

Complaint narrative:
I dispute the accuracy of the accounts listed above on my Equifax credit report. These accounts are incorrectly reported as charged off and include inaccurate late payment information. I request a full investigation and correction of these inaccuracies. 

Dispute Type : Charged Off Accounts Account Name Account Number Date Opened Balance Issue XXXX XXXX XXXX XX/XX/XXXX {$680.00} Incorrect reporting / Charged off XXXX XXXX XXXX XX/XX/XXXX {$5300.00} Incorrect reporting / Charged off Dispute Type : Late Payments Account Name Account Number Issue XXXX XXXX XXXX Incorrect late payment reported

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: FIRST NATIONAL BANK OF OMAHA
State: VA

Complaint narrative:
There appears to be a serious problem in First National Bank of Omaha 's ( FNBO ) data and/or operations, particularly as it relates to my account. On XX/XX/year>, FNBO wrote to me that it " issued ( me ) a permanent credit in the amount of {$15.00} on XX/XX/year>.... This notice serves as FINAL resolution of your dispute for the above referenced transactions ( XX/XX/year> XXXX XXXX XXXX ). '' Although it took FNBO more than 6 months to acknowledge the correctness of my dispute, I was satisfied that the matter was permanent and final. Disturbingly, FNBO wote to me, dated XX/XX/year>, that it was reposting the XX/XX/year> XXXX XXXX XXXX {$15.00} charge. Thus, FNBO has violated federal law by ignoring its final and permanent investigative decision. There are three possibilities for FNBO 's blatant anti-public action. 1 ) FNBO 's Artificial Intelligence technology has run amok - portending the likely chaotic havoc AI is beginning to have on American society and business. 2 ) The anonymous unsigned FNBO Dispute Department employees in XXXX, XXXX  are complete XXXX who have no idea what they are doing. 3 ) FNBO intentionally retaliates against me because I have filed several complaints against it with the 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 2025-12-03 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: AL

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate, incomplete, or outdated items. These items remain after previous disputes, and I believe they may violate the FCRAs accuracy, completeness, and reinvestigation requirements. 

1. CHARGED-OFF ACCOUNTS IN DISPUTE ( Experian ) I am requesting a full investigation into the following accounts : XXXX XXXX  XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX  XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX. INQUIRIES IN DISPUTE ( Experian ) These inquiries were not authorized or appear to lack valid permissible purpose : XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 3. LATE PAYMENTS IN DISPUTE ( Experian ) These reported late payments contain inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Requested Action ( Experian ) : Please conduct a complete FCRA-compliant reinvestigation and correct or delete any item that can not be fully verified.

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 2025-12-03 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am submitting this complaint because I am a documented victim of identity theft, and multiple fraudulent accounts, inquiries, and negative items are being reported on my credit file without my authorization. 

I completed an FTC Identity Theft Report and provided my identity documents and supporting evidence to the credit bureaus. I also submitted written disputes by certified mail under FCRA 605B and 611. Despite this, the credit bureaus and certain furnishers have failed to block or remove the fraudulent information as required by law. 

The items I am disputing are not mine, were opened without my consent, and were created using my stolen personal information. I have never opened these accounts, used them, or authorized anyone to open them. These fraudulent accounts are causing significant harm to my credit standing and preventing me from obtaining housing, transportation, and financial stability. 

I am requesting that the CFPB investigate and require the credit bureaus and furnishers to comply with federal law, properly process my identity theft documentation, conduct a lawful reinvestigation, and remove all fraudulent accounts, inquiries, and negative information associated with the identity theft. 

I have already taken the proper steps with the FTC and the credit bureaus, and I am requesting your assistance because the credit bureaus and furnishers are failing to correct my credit report as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
i dispute the bond/advance payment made to CAPITAL ONE. Please refer to the contract/bill in question. Capital one claims that there is still an outstanding amount owed, whereas they have already sought payment from the Treasury, as per 18USC8 or 31USC3123. Pursuant to 31CFR240.14, the check issued to an incompetent payee is mentioned. They allege incompetence on my/our part, but no power of attorney has been granted to them. i am the rightful power of attorney, holding the sovereign position. i serve as the Fiduciary for this account. No part of attorney forms, including FS Form 232, FS Form 233, FS Form 234, have been submitted by me or on my behalf. i request the investigation of all bonds created under my name. Kindly liquidate these bonds and ensure the return of lawful money to the beneficiary, restoring it to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I believe TransUnion is reporting multiple inaccurate items, including charged-off accounts, inquiries, and late payments that do not belong to me or contain errors. I request CFPB assistance ensuring these items are properly verified or removed. 

XXXX. CHARGED-OFF ACCOUNTS IN DISPUTE ( TransUnion ) XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX. INQUIRIES IN DISPUTE ( TransUnion ) XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. LATE PAYMENTS IN DISPUTE ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action ( TransUnion ) : Please reinvestigate these items and remove any that can not be verified with original source documentation.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX of XXXX. During the financing process, the finance XXXX and salesperson pressured me into buying several optional add-on products, telling me they were mandatory in order to get approved for financing. 
The add-ons forced on me were : XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX  {$1200.00} XXXX XXXX XXXX {$590.00} Each of these contracts clearly states that the products are NOT required to buy or finance the vehicle. Despite this, the dealership presented them as mandatory. This is deceptive and violates Florida Statute 520.08 and FDUTPA. 
Later, the dealership issued one partial refund, which confirms the products were optional, but they refused to return the remaining charges.

My vehicle was later declared a total loss, and I never received any benefit from the add-ons. 
I requested documentation and explanations from the dealership several times. They did not provide the information requested and refused to resolve the issue. 
I am requesting CFPB assistance because this dealership used deceptive loan practices and forced unnecessary financial products as a condition of obtaining credit.

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 monetary relief
Consumer complaint received 2025-12-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opened a new account, made a deposit and requested a new debit card. I visited the branch and was told the debit card would arrive in XXXX business days. After XXXX weeks the card did not arrive. I visited a US Bank branch and was told that I had never requested a debit card and I would have to do so online, which I had done. I requested a debit card again and received it within XXXX weeks. I used the card and pin without a problem. When I visited the US Bank ATM the pin no longer worked and my card was locked. I then checked my information, and saw that my mailing address had now been changed at US Bank. I've not been given an explanation by US Bank as to why this is occurring.

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 2025-12-03 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply XXXX result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am submitting this complaint because Experian is reporting several items that I believe are inaccurate or incomplete. Prior disputes have not resulted in corrected reporting. I am asking for CFPB assistance to ensure proper reinvestigation under the FCRA. 
Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance : XXXX XXXX. Hard Inquiries in Dispute ( Experian ) These inquiries were not authorized, or I do not recognize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments in Dispute ( Experian ) These entries contain incorrect or unverifiable late payment reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action ( Experian ) I request a full reinvestigation. Any item that can not be verified with proper documentation should 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 2025-12-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This company closed my account and they replaced my card. 
Hence I lost my access and i was unable to process any payment. 
They have charged me with so many late fees and when I asked them to remove they said we can't do it

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 monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Self Financial Inc.
State: NV

Complaint narrative:
I sent letters under 15 USC 1692 ( c ), and the company refuses to cease. Social Security cut off part of my income, and I could no longer pay them. I sent a letter, and Self Inc. is still contacting me.

I am not well, and this is stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: AL

Complaint narrative:
I am requesting CFPB support because TransUnion continues to report items that I believe are inaccurate, outdated, or unverifiable. My disputes have not resulted in corrections, and I am asking for a compliant reinvestigation. 
Charged-Off Accounts in Dispute ( TransUnion ) XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Balance : XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX Balance : XXXX XXXX. Hard Inquiries in Dispute ( TransUnion ) ( None listed by you this section included for completeness. ) XXXX. Late Payments in Dispute ( TransUnion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Action ( TransUnion ) I request a full investigation into each disputed item. Anything that can not be verified as accurate must be corrected or deleted in accordance with 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