vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to VOLVO CAR FINANCIAL SERVICES LLC dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), VOLVO CAR FINANCIAL SERVICES LLC has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C.

1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since VOLVO CAR FINANCIAL SERVICES LLC did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure VOLVO CAR FINANCIAL SERVICES LLCs immediate compliance with FCRA requirements. VOLVO CAR FINANCIAL SV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 

Accounts XXXX XXXX XXXX XXXX XXXX Balanced {$110000.00} late XXXX  days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX days XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$35000.00} Late 60 Days XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$460.00} late 30 days XX/XX/XXXX, XX/XX/XXXX, late XXXX  days XX/XX/XXXX, XX/XX/XXXX, late 90 days XX/XX/XXXX, XX/XX/XXXX, late 120 days XX/XX/XXXX, XX/XX/XXXX, late XXXX days XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balanced {$62000.00} late 90 days XX/XX/XXXX, late XXXX  days Mar- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balanced {$9100.00} late 30 days XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, late XXXX  days XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, late XXXX  days XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Account name XXXX XXXX XXXX account Number 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 2025-11-13 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Account name XXXX XXXX XXXX account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am disputing Experians reporting of three XXXX XXXX accounts. Experian is showing all three accounts as open and also showing a past due balance. This is factually incorrect. These are collection accounts, not open or active credit accounts. 

Experian is reporting the XXXX accounts in a manner that falsely suggests I have open delinquent accounts. This is misleading and damaging my credit. This inaccurate reporting violates the Fair Credit Reporting Act, including : FCRA 602 ( A ) maximum possible accuracy FCRA 607 ( B ) failure to maintain reasonable procedures FCRA 611 ( A ) failure to correct inaccurate information FCRA 623 ( A ) acceptance of inaccurate information I am requesting that Experian immediately remove the open status and past due labels from all three accounts. If XXXX XXXX can not certify accuracy, I request the accounts be deleted entirely.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing Experians reporting of three XXXX XXXX accounts. Experian is showing all three accounts as open and also showing a past due balance. This is factually incorrect. These are collection accounts, not open or active credit accounts. 

Experian is reporting the XXXX accounts in a manner that falsely suggests I have open delinquent accounts. This is misleading and damaging my credit. This inaccurate reporting violates the Fair Credit Reporting Act, including : FCRA 602 ( A ) maximum possible accuracy FCRA 607 ( B ) failure to maintain reasonable procedures FCRA 611 ( A ) failure to correct inaccurate information FCRA 623 ( A ) acceptance of inaccurate information I am requesting that Experian immediately remove the open status and past due labels from all three accounts. If XXXX XXXX can not certify accuracy, I request the accounts be deleted entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization. 

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: Kikoff Inc.
State: LA

Complaint narrative:
2. Kikoff Lending LLXXXX ( Account XXXX ) Account paid and closed ; should not be marked as 60 days past due. 

I signed up once but have two accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding a credit card dispute with Bank of America for a charge from XXXX on XX/XX/year>. I intended to purchase one ticket for {$48.00}. The checkout page initially showed the correct price, but after entering my card information and submitting, I was charged {$550.00}, which is far more than the intended amount and it did not have the price at checkout. I did not authorize this amount, and the merchant did not provide a receipt for the transaction. Additionally, the system issued 2 out of 10 tickets, even though I only intended to buy one. 

I contacted XXXX directly, and they stated that all tickets were non-refundable, even though I did not purchase that many tickets. I then called Bank of America immediately to resolve the issue, but was told that since the charge was still processing, nothing could be done at that time. 

After the charge posted, I disputed it three times with Bank of America, providing evidence of the intended purchase and screenshots showing the correct price. Each dispute was denied, with the reasoning that I did not provide a receipt for the correct amount. However, I was never supposed to be charged {$550.00}, and the merchant never issued a receipt, so this denial is unjustified. I just want my money back, in what world do I need 10 tickets. 
I am attaching : Screenshots of the checkout page showing the correct price and the tickets issued, confirming the error. 
Call logs showing the multiple times I called Bank of America and the fraud department regarding this dispute. 
A record of the call I made to XXXX, where they confirmed the tickets were non-refundable, despite the overcharge being incorrect. 

I am requesting that Bank of America adjust the charge to reflect the intended amount of {$48.00}.

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 monetary relief
Consumer complaint received 2025-11-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and outdated collection accounts that are still being reported on my credit report. 

1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This collection account is a duplicate of an old auto loan that was opened in XXXX and closed in XXXX. The vehicle was returned, and there is no valid debt. The account was later re-reported as a new collection in XXXX, which is incorrect. 

2 XXXX XXXX XXXX XXXX XXXX XXXX Bank : This collection account was opened in XXXX and is now more than seven years old. According to the Fair Credit Reporting Act ( FCRA ), any negative account older than seven years must be permanently deleted. 

Both accounts are unfairly damaging my credit. I am requesting a full investigation and permanent deletion of these accounts from my credit file. 

I have attached supporting screenshots from XXXX XXXX showing the dates, original creditors, and current collectors.

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 2025-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing inaccurate and outdated collection accounts that are still being reported on my credit report. 

1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This collection account is a duplicate of an old auto loan that was opened in XXXX and closed in XXXX. The vehicle was returned, and there is no valid debt. The account was later re-reported as a new collection in XXXX, which is incorrect. 

2 XXXX XXXX XXXX XXXX XXXX XXXX Bank : This collection account was opened in XXXX and is now more than seven years old. According to the Fair Credit Reporting Act ( FCRA ), any negative account older than seven years must be permanently deleted. 

Both accounts are unfairly damaging my credit. I am requesting a full investigation and permanent deletion of these accounts from my credit file. 

I have attached supporting screenshots from XXXX XXXX showing the dates, original creditors, and current collectors.

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 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/year>, unauthorized XXXX XXXX transactions totaling {$3300.00} were made on my Navy Federal account after my phone was stolen. I timely reported the fraud on XX/XX/year>, and later submitted a written appeal in XX/XX/year>. Navy Federal denied both the original claim and the appeal without providing any supporting documentation. 

I previously filed a CFPB complaint ( case number 250903-23756973 ). In response, Navy Federal again denied my claim but still did not provide any of the evidence they claim to have reviewed. Under Regulation E, Navy Federal is required to conduct a reasonable investigation and provide copies of the documents relied on in making its decision, including authorization logs, XXXXXXXX XXXX XXXX/device information, merchant records, and any evidence showing I authorized the transactions. 

Navy Federal repeatedly stated that documents were attached, yet no such documents were ever provided in any denial letter or in their CFPB response. They only provided a generic denial without any proof. This is a violation of Regulation E because Navy Federal has failed to : 1. Conduct a reasonable investigation ; 2. Provide required documentation upon request ; and 3. Demonstrate that I authorized these transactions.

I am requesting that the CFPB review Navy Federals handling of this claim for compliance with Regulation E and require Navy Federal to provide the evidence they relied upon, demonstrate how they concluded I authorized the transactions, and reopen and properly investigate this fraud claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
XXXXCFPB DISPUTE LETTERXXXXRe: Dispute of Inaccurate Credit Reporting and Improper Collection of Rental Car Traffic CitationXXXXTo: Consumer Financial Protection Bureau (CFPB)\nFrom: XXXX XXXX\nDate: 1XXXXSubject:\nDispute of inaccurate and unverified credit reporting by a third-party debt collector related to a car rental traffic citation; request for removal, investigation, and compensation for credit harm.\n\nDear CFPB Representative,\n\nI am submitting this formal dispute regarding an inaccurate, unverified, and improperly reported collection account that appeared on my credit report. The alleged debt is connected to a traffic citation involving a rental car in XXXX, Maryland in XXXX XXXX. I was never properly notified of the citation, any associated fees, or any collection activity prior to negative credit reporting.\n\n1. Lack of Proper Notification\nI was never properly notified by the rental company about the traffic citation, any related charges, or any transfer of the balance to a third-party collector. If the rental company claims it sent an email, I did not receive it, and therefore I was not effectively notified.\n\nUnder consumer protection principles and the duty of reasonable notice, a company must provide notification in a manner reasonably calculated to reach the consumer. An email that is never received, never confirmed, or never acknowledged does not constitute valid or effective notice.\n\nBecause of this failure, I was denied any opportunity to review, dispute, or resolve the citation before it was sold to collections and reported to the credit bureaus.\n\n2. Improper Credit Reporting\nThe third-party debt collector reported this alleged debt to the credit bureaus without providing validation, itemization, proof of assignment, or documentation linking me to the citation. The collector failed to ensure accuracy under federal law.\n\nGovernment-issued citations are not consumer debts and cannot be reported to credit bureaus unless lawfully converted into a contractual balance, which still must be verified, accurate, and properly noticed.\n\n3. Violations of Federal and State Law\nI believe the actions of the collector and/or the rental company violate:\n\nFair Credit Reporting Act (FCRA)\n- 15 U.S.C.  1681s-2(a)\n- 15 U.S.C.  1681s-2(b)\n- 15 U.S.C.  1681i\n\nFair Debt Collection Practices Act (FDCPA)\n- 15 U.S.C.  1692e\n- 15 U.S.C.  1692f\n- 15 U.S.C.  1692g(b)\n\nMaryland Law\n- Md. Code Com. Law  14-202(3)\n- Md. Code Com. Law  13-301\n\n4. Harm to Credit Score and Request for Compensation\nThe inaccurate reporting harmed my credit score, causing financial loss, emotional distress, and loss of time. Under FCRA  616 and  617, I am seeking compensation for actual damages.\n\n\nThank you for your attention. I request confirmation of receipt and the outcome of your investigation.\n\nSincerely,\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I specifically requested full validation of both NCB accounts the original creditors name, a complete payment ledger, itemized billing statements, and proof of ownership or assignment showing that NCB legally owns or has the right to collect on these accounts. I also asked for documentation showing how the balances were calculated. 
Its been over 60 days, and none of this has been provided. Ive mailed my disputes certified, so claiming you didnt receive them is not a valid excuse.

I disputing two collection accounts reported by NCB one for {$1800.00} ( Acct # XXXX ) and another for {$2700.00} ( Acct # XXXX ). I sent certified disputes well over 60 days ago, and not only have I not received a single piece of validation, but these accounts arent even being reported as in dispute by the credit bureaus. 
That is a clear violation of FCRA 623 ( a ) ( 3 ), which requires furnishers to mark an account as disputed once they are notified by the consumer. It also violates XXXX XXXX reporting guidelines, which explicitly require a dispute code ( XB ) to be applied once a dispute is filed. 
On top of that, both accounts are being reported with different dates, balances, and statuses across the bureaus, which means youre reporting inaccurate data on multiple levels. Under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), data furnishers must ensure maximum possible accuracy and youre not even close. 
Instead of any proof, Ive received the same generic verified letters and credit report copies which are not proof of anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I made a typographical error on my mortgage payment at the beginning of XXXX. I entered {$2000.00} instead of the required amount of {$2100.00}. Please see attached documents for further explanation. 

Attached : Formal Letter of Request for CFPB 36-month payment history Bank Statement Tax Document with Driver License Please deidentify my formal letter of request and post to consumerfinance.gov. Veterans should be aware of XXXXXXXX XXXX XXXX  behavior and standard operating practices.

Company response to consumer: Closed with non-monetary relief