vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX / Equifax XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX v. TransUnion ( XXXX ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

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 2025-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding a debt collection attorney, XXXX XXXX, who failed to provide or file proof that a judgment lien was uplifted ( released ) after the underlying judgment was vacated and is no longer legally enforceable. Original Judgment : XXXX of XXXX : Because the judgment was vacated, any lien recorded or pursued based on that judgment is no longer valid or legally supportable. 

Attorneys Responsibility : As the debt collection attorney involved in the case, XXXX XXXX XXXX was responsible for taking appropriate action to : Cease enforcement activity, and File or provide proof that the judgment lien was released/uplifted with the appropriate county recorder or authority.

Failure to Act : Despite the judgment being vacated : No proof of lien release or uplift was filed.

No documentation confirming the liens removal was provided to me.

The lien continued to appear as active, causing ongoing harm. 

My Actions : I took reasonable steps to resolve this matter, including : Monitoring court records confirming the judgment was vacated. 

Attempting to obtain confirmation that the lien was released.

Ongoing Harm : Because the lien was not formally uplifted or documented as released : The lien continued to appear on public records and/or credit-related systems. 

This caused financial and legal harm, including interference with property rights and creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
Regarding Fraudulent Loan Finalization and Manufactured Home Dealer Misconduct I am filing this complaint to report serious misconduct by a manufactured home dealer and mortgage broker that has caused financial loss, housing instability, and emotional distress for my family.

Key Issues : - Misrepresentation & Withholding of Funds : The dealer failed to disclose installation requirements and attempted to retain installation funds included in my loan. 
- Pressure & Harassment : The dealer and mortgage broker harassed and threatened me for weeks, demanding I sign an installation completion certificate I refused. 
- Fraudulent Loan Finalization : Despite my refusal, the mortgage company finalized the loan without my consent. I never accepted delivery of the home.

- Financial & Personal Harm : Loss of {$9000.00} down payment, loss of employment, and homelessness for XXXX weeks. 

Requested Action : I request investigation into fraudulent loan practices, misrepresentation, and harassment, and assistance in recovering my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I hold a XXXX  capital one credit card, I called in to see if my late fee can be reversed as I did not see it on my account. I just made a large payment and was looking at the transactions and came by the late fee. Upon calling in the agent said there was no way to remove this late fee, I asked for assistance from a supervisor, XXXX finally answered me, stating that it was in the contract that she could not reverse the fee. This is the first company that I hear that can not reverse fees. I would understand if Im calling in for a fee reversal monthly. The last time I got a fever reversal from this company was early this year. They dont have grace for good customers. I spend thousands of dollars yearly with them. I inquired on how closing my account works and she immediately said no worries in a nasty attitude I can close it for you. As a card holder with a XXXX  status you would think I get treated well, and have a {$29.00} fee reversed along with interest charges, given that I have already paid off my balance. This is ridiculous, now I actually plan to close this account. Kohls was better off before this absurd capital one company came along. This is exactly why I do not hold ANY other capital one card. They are unreasonable and greedy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I received a promotional offer from Chase Bank. The offer says I will get {$1000.00} if I open a savings and checking account. And move my direct deposit into my checking account. Also, to have {$15000.00} in my savings account for 90 days. 

I went online and opened Chase accounts. I moved the money into my Chase account and set up direct deposit. 

I tried logging in to my Chase Bank online banking, but received a message saying I had been locked out. I called Chase customer service to know why. I was told they decided to close the account and will send me my money back. No reason was given. 

Chase only sent me a $ XXXX check. The balance of {$7000.00} has not been sent. I have called more than 4 different times since XXXX XX/XX/year>. The agent will do all types of verification and say 'You will receive your check for {$7000.00} in the next 10 business days. 

I believe if Chase says I can not bank with them, I should get my money back. They keep drilling me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
RECENTLY I LOOKED AT MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. ITS MY UNDERSTADING THAT THE CREDIT BUREAUS WILL INVESTIGATE THIS ACCOUNT FOR ME TO ENSURE THE ACCURACY. HERE IS THE ACCOUNT IM ASKING YOU TO VERIFY AS ACCURATE. 
XXXX XXXX XXXX XX/XX/2019 {$14000.00} ACCOUNT NUMBER UNKNOWN

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
RECENTLY I LOOKED AT MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. ITS MY UNDERSTADING THAT THE CREDIT BUREAUS WILL INVESTIGATE THIS ACCOUNT FOR ME TO ENSURE THE ACCURACY. HERE IS THE ACCOUNT IM ASKING YOU TO VERIFY AS ACCURATE. 
XXXX XXXX XXXX XX/XX/2019 {$14000.00} ACCOUNT NUMBER UNKNOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: OK

Complaint narrative:
Calling my family members repeatedly about my loan. Shared that we owe a debt with family Members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NJ

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 2025-12-26 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: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems stated in its CFPB response that it had terminated collection efforts and would request deletion of its tradeline. Despite this representation, the Jefferson Capital tradeline remains present and/or continues to be furnished to consumer reporting agencies after the date of that response. Jefferson Capital did not verify the account, did not assert accuracy, and did not reserve the right to continue furnishing. Continued reporting after this written withdrawal constitutes furnishing information the company knows should not be reported and represents a failure to comply with a CFPB-mediated resolution. I request immediate confirmation that all furnishing has ceased and deletion has been completed with all consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My account has been temporarily frozen from XXXX. They told me it would take up to 24 hours to unlock it, I provided all the information and it's still not unlocked and I called there is no one to help and said I can expect a response in up to 5 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
XXXXI am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to maintain accurate personal identifying information on my credit reports, despite repeated written disputes and clear notice of inaccuraciesXXXXAll three credit reporting agencies are reporting inaccurate, unverified, and unauthorized personal identification information, including but not limited to:XXXXIncorrect and unauthorized name variations, including:XXXX XXXX XXXX XXXX  (reported inconsistently as negative)XXXX XXXX (fabricated and misspelled)XXXXIncorrect and conflicting dates of birth, including:XXXX (my correct DOB)XXXXInaccurate and unauthorized addresses, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized and inaccurate employment listings, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not authorize the reporting of this information, and the bureaus have never provided written, third-party verification demonstrating accuracy, lawful source, or permissible purpose as required by the Fair Credit Reporting Act (FCRA).XXXXThese items are being reported inconsistently across bureaus, with some entries labeled positive by one bureau and negative by another. A personal identifier cannot be simultaneously accurate and inaccurate. This alone proves the data is unreliable and violates FCRA 1681e(b), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.XXXXDespite multiple disputes, the bureaus failed to conduct lawful reinvestigations under FCRA 1681i, continued publishing conflicting identifiers, and ignored obvious signs of file contamination and third-party data corruption. This conduct is especially concerning given the Equifax data breach and XXXX XXXX XXXX XXXX, which directly impact the integrity of consumer identifying information.XXXXReporting incorrect names, addresses, dates of birth, and employers creates a mixed consumer file, increases the risk of identity theft, and exposes me to adverse credit decisions. Continuing to report this information after notice constitutes negligent and willful noncompliance under FCRA 1681n and 1681o, and also represents unfair and deceptive acts or practices in violation of the FTC Act.'

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXXI am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to maintain accurate personal identifying information on my credit reports, despite repeated written disputes and clear notice of inaccuraciesXXXXAll three credit reporting agencies are reporting inaccurate, unverified, and unauthorized personal identification information, including but not limited to:XXXXIncorrect and unauthorized name variations, including:XXXX XXXX XXXX XXXX  (reported inconsistently as negative)XXXX XXXX (fabricated and misspelled)XXXXIncorrect and conflicting dates of birth, including:XXXX (my correct DOB)XXXXInaccurate and unauthorized addresses, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized and inaccurate employment listings, including:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not authorize the reporting of this information, and the bureaus have never provided written, third-party verification demonstrating accuracy, lawful source, or permissible purpose as required by the Fair Credit Reporting Act (FCRA).XXXXThese items are being reported inconsistently across bureaus, with some entries labeled positive by one bureau and negative by another. A personal identifier cannot be simultaneously accurate and inaccurate. This alone proves the data is unreliable and violates FCRA 1681e(b), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy.XXXXDespite multiple disputes, the bureaus failed to conduct lawful reinvestigations under FCRA 1681i, continued publishing conflicting identifiers, and ignored obvious signs of file contamination and third-party data corruption. This conduct is especially concerning given the Equifax data breach and XXXX XXXX XXXX XXXX, which directly impact the integrity of consumer identifying information.XXXXReporting incorrect names, addresses, dates of birth, and employers creates a mixed consumer file, increases the risk of identity theft, and exposes me to adverse credit decisions. Continuing to report this information after notice constitutes negligent and willful noncompliance under FCRA 1681n and 1681o, and also represents unfair and deceptive acts or practices in violation of the FTC Act.'

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 2025-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: GA

Complaint narrative:
I REACHED OUT TO OPTUM BANK ON XX/XX/2025 REGARDING MY XXXX ACCOUNT. I LET THE REP KNOW THAT I COULD NOT ACCESS MY MOBILE APP OR GET ACCESS TO THE WEBSITE TO MANAGE MY ACCOUNT. WHEN I SPOKE WITH THE REP THAT DAY HE REQUESTED FOR MY ACCOUNT TO BE SENT UP FOR THEM TO TAKE A LOOK INTO THE ACCOUNT. AS OF TODAY XX/XX/2025 OPTUM BANK STILL HAS NOT GOTTEN THE ISSUED FIXED AFTER MULTIPLE PHONE CALLS FROM ME. I HAVE BEEN VERY PATIENT AND EVERY TIME I CALL ITS THE SAME THING. 

WHILE WAITING FOR THEM TO FIX THE ISSUE WITH THE APP AND WEBSITE I HAD A CARD MAILED OUT. WHEN I GET MY CARD OPTUM BANK DEACTIVATED MY CARD WHILE I WAS IN THE PROCESS OF TRYING TO WITHDRAW FUNDS FROM MY ACCOUNT. I HAVE CALLED THEM MULTIPLE TIMES REGARDING THIS ISSSUE AND EVERY TIME I CALLL THEY SAY I CAN TRY MY CARD WITHN 15-30 MINUTES ONLY TO BE AT THE ATM AND THE CARD NOT WORKING. I HAD AN APPOINTMENT THAT HAD TO BE RESCHEDULED DUE TO THE FACT I CAN NOT ACCESS MY FUNDS. 

I NEED SOME ASSISTANCE WITH THIS ISSUE BECAUSE CALLING IN IS NOT WORKING AND IS UNSUCCESSFUL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: GA

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 response to consumer: Closed with non-monetary relief