vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Financial Corporation continues to engage in credit reporting and collection activities related to my three ( 3 ) accounts despite explicit written notification and demand letters disputing their authority and requesting a full investigation. Both notices were duly received by Capital One, as evidenced by return receipts dated XX/XX/year> ( Customer Service ), and XX/XX/year> ( Legal Department ). 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Capital One is obligated to immediately cease all reporting to credit bureaus and halt collection activities during the period in which the debt or account status is under dispute and investigation. 

Capital Ones continued reporting of adverse information without properly updating the account status to " disputed '' explicitly violates 15 U.S.C. 1681s-2 ( a ) ( 3 ), requiring furnishers to mark accounts as disputed upon consumer notification. Their failure to cease collection activities and correct reporting demonstrates non-compliance and constitutes deceptive trade practices under 15 U.S.C. 45 ( FTC Act ). 

Despite receiving detailed demands for proof of authority, full accounting, sworn affidavits, and explicit requests to update credit reporting status, Capital One has failed to comply, provide justification, or even acknowledge the statutory requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/scrub> 2025 my credit scored dropped XXXX points in the middle of a home buying process. I was not made aware that my loans were coming out of forbearance. I would've definitely called if I received notice as I was in the middle of buying of home and would've not risked that. I called to verify that they have my correct email address and they had a safe mailing address as well. All XXXX loans were reported as late and caused my credit score to decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting guidelines, and Truth in Lending Act ( TILA ). This complaint pertains to account # XXXX, which is being inaccurately and harmfully reported across credit bureaus despite a formal dispute and completed reinvestigation in XX/XX/year>. 

The following violations are present : - Ongoing re-aging of charge-off through 2025 ( FCRA 623 ( a ) ( 5 ) ) - Contradictory data ( 0 % on-time payments vs. no sequential delinquencies ) ( FCRA 1681e ( b ) ) - Improper over-limit reporting of 105 % utilization ( FCRA 1681e ( b ), TILA ) - Inconsistent 'closed ' status with active derogatory updates ( FCRA 623 ( a ) ( 2 ) ) - Verification of inaccurate data after formal dispute ( FCRA 1681i ( a ), 1681s-2 ( b ) ) - Failure to report sequential XXXX prior to XXXX late status ( FCRA 1681e ( b ) ) XXXX XXXX XXXX XXXX verified this account during reinvestigation despite the clear presence of errors and contradictions, indicating willful noncompliance with its obligations as a data furnisher. I have submitted a sworn affidavit, declaration of harm, and supporting exhibits proving these violations and the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX XXXX for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX reporting guidelines, and Truth in Lending Act ( TILA ). This complaint pertains to account # XXXX, which is being inaccurately and harmfully reported across credit bureaus despite a formal dispute and completed reinvestigation in XX/XX/year>. 

The following violations are present : - Ongoing re-aging of charge-off through 2025 ( FCRA 623 ( a ) ( 5 ) ) - Contradictory data ( 0 % on-time payments vs. no sequential delinquencies ) ( FCRA 1681e ( b ) ) - Improper over-limit reporting of 105 % utilization ( FCRA 1681e ( b ), TILA ) - Inconsistent 'closed ' status with active derogatory updates ( FCRA 623 ( a ) ( 2 ) ) - Verification of inaccurate data after formal dispute ( FCRA 1681i ( a ), 1681s-2 ( b ) ) - Failure to report sequential XXXX prior to XXXX late status ( FCRA 1681e ( b ) ) XXXX XXXX XXXX XXXX verified this account during reinvestigation despite the clear presence of errors and contradictions, indicating willful noncompliance with its obligations as a data furnisher. I have submitted a sworn affidavit, declaration of harm, and supporting exhibits proving these violations and the harm caused.

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 2025-04-15 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-15 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
inaccurate information being reported on my credit file by State Employees Credit Union ( SECU ) regarding an auto loan that was paid in full and closed more than seven years ago. 
Despite multiple attempts to resolve this matter directly with SECU, the account continues to be reported with inaccurate and harmful information, in violation of the Fair Credit Reporting Act ( FCRA ), particularly Section 605 ( a ), which mandates the removal of adverse information older than seven years. This outdated and incorrect information is negatively impacting my creditworthiness and causing me significant harm. I demand that this account be immediately removed or corrected from my credit file as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Regional Acceptance is stating that I missed a payment when in fact the representative documented a wrong digit for my card and they did not debit me which I called in when I notice they didnt debit me and another representative apologized corrected the previous representatives mistake and debited my card. This is not my doing and should not be reported as so! This goes against my consumer rights!

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 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from Jefferson Capital Systems in the amount of {$2600.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-14 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: AZ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-14 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: GA

Complaint narrative:
I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ) as my client has identified inaccurate, unverifiable, or outdated information on their credit report. The credit reporting bureau has requested a Power of Attorney ( POA ) as a prerequisite to processing the dispute. As the authorized representative for my client, I am attaching the required POA documentation to ensure compliance with their request. However, under the FCRA, credit reporting agencies are obligated to conduct reasonable investigations and can not impose unreasonable barriers, such as additional documentation, to dispute investigations ( 611 of the FCRA, 15 U.S.C. 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I purchased 10 month CD with XXXX 5.5 % from Citizen Bank branch located in XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is a terrible bank and its staff is very unprofessional including its branch manger. They told me for not charging the early withdraw penalty for my closing the automatically rollovered new CD with lower yield because I didn't get notice for original CD expiration and never endorsed rollover. But later I found they are liars and still charged me for the penalty based on the 1099 tax form I received next year. This bank system is very poor and once the account such as CD is closed, the branch and client online account fails in retrieving any information including interest rate, beginning and ending balance, interest earned and penalty charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 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: FL

Complaint narrative:
I am demanding the permanent deletion of an auto loan account reported by XXXX XXXX XXXX due to repeated violations of the Fair Credit Reporting Act ( FCRA XXXX, XXXX, XXXX ) and XXXX XXXX reporting standards. 

The account was charged off in XXXX but continues to report charge-offs through XXXX, which is illegal re-aging and misreporting. Despite sending formal disputes, supporting documents, and a Cease & Block demand, XXXX XXXX XXXX has not corrected or deleted the account. This has caused serious damage to my credit score, financial opportunities, and emotional well-being. 

I submitted a formal dispute package including a sworn affidavit, declaration of harm, and a complete documentation set showing that this account is unverifiable and in violation of multiple sections of the FCRA and XXXX XXXX. 

I am requesting permanent deletion of this tradeline and full accountability.

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 2025-04-15 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:
I am demanding the permanent deletion of an auto loan account reported by XXXX XXXX XXXX due to repeated violations of the Fair Credit Reporting Act ( FCRA XXXX, XXXX, XXXX ) and XXXX XXXX reporting standards. 

The account was charged off in XXXX but continues to report charge-offs through XXXX, which is illegal re-aging and misreporting. Despite sending formal disputes, supporting documents, and a XXXX & XXXX demand, XXXX XXXX XXXX has not corrected or deleted the account. This has caused serious damage to my credit score, financial opportunities, and emotional well-being. 

I submitted a formal dispute package including a sworn affidavit, declaration of harm, and a complete documentation set showing that this account is unverifiable and in violation of multiple sections of the FCRA and XXXX XXXX. 

I am requesting permanent deletion of this tradeline and full accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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:
I want my credit report to only reflect accurate information and I hope you know that I take my credit seriously. It's frustrating for me because Ive worked hard to build my credit, and to see it negatively affected by inaccuracies that arent my fault is very disappointing. I'm deeply concerned about the errors on my credit report and these mistakes are causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair. It is stressing me out and making me XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
I need to dispute the latest XXXX $ XXXX  charge they have canceled my service and since my card was closed I have no way to dispute it to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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