vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute, Formal Reinvestigation Request, and Intent to Sue FCRA 1681i ( a ), 1681n & 1681o To Whom It May Concern, This letter serves as a formal dispute, a demand for reinvestigation, and an intent to pursue legal action under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) ( Reinvestigation of Disputed Information ), 1681n ( Willful Noncompliance ), and 1681o ( Negligent Noncompliance ). 

I have reviewed my credit report and discovered the inclusion of inaccurate and unverifiable information that does not reflect my true credit history. You have failed to maintain reasonable procedures to assure maximum possible accuracy as required by law. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX and Proof Under 1681i ( a ), you are required to conduct a reasonable reinvestigation of these disputed items within 30 days of receipt of this letter. 

I hereby demand that you provide written verification and supporting documentation, including : A copy of the original contract, note, or application bearing my signature ; The name, address, and phone number of each creditor or furnisher associated with these accounts ; and The description of the procedure used to verify each disputed item, as required within XXXX XXXX after completion of your reinvestigation. 

If such documentation can not be provided, the disputed items must be immediately deleted from my credit file, and updated reports must be sent to all creditors or entities that have received my report within the last XXXX months ( or XXXX years for employment purposes ). 

Intent to XXXX and Claim for Damages Please consider this notice of my intent to file a civil claim against your organization for failure to comply with the FCRA. Should you continue reporting inaccurate, incomplete, or unverified information, I will pursue statutory damages of {$10000.00}, plus attorneys fees and punitive damages, for willful and negligent noncompliance under 1681n and 1681o. 

This is a good-faith effort to resolve this matter without litigation. I expect full compliance and written confirmation of your reinvestigation within the statutory period. 

Thank you for your prompt attention. Please direct all correspondence to my address listed above. 

Sincerely, 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 2025-11-12 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: FL

Complaint narrative:
I have paid the full amount. I am requesting a goodwill adjustment to have the prior negative entry removed from my record. I have previously contacted the appropriate department to request its removal. While I acknowledge that I had late payments in the past, I have since improved my payment history. This improvement is due to my current employment, which has enabled me to manage my financial obligations better. Previously, I was unable to afford certain payments, but circumstances have now changed positively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I HAVE HAD XXXX XXXX XXXX ACCOUNTS IN THE LAST 15 YEARS AND I HAVE NEVER NEVER NEVER BEEN LATE ON ONE SINGLE PAYMENT!!

AS PROOF - REGARDLESS OF MY CREDIT SCORE - XXXX HAS ALWAYS ALLOWED ME TO LEASE- WHICH USUALLY REQUIRES IMPECCABLE SCORES BUT BECAUSE OF MY PAYMENT HISTORY - XXXX HAS NEVER NOT ALLOWED MY LEASE TO NOT BE APPROVED!

I HATE LIARS!!

THE CREDIT BUREAU IS NOT REPORTING THE CORRECT INFORMATION!!

THIS NEEDS TO BE A CLASS ACTION LAWSUIT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I HAVE HAD XXXX XXXX XXXX ACCOUNTS IN THE LAST 15 YEARS AND I HAVE NEVER NEVER NEVER BEEN LATE ON ONE SINGLE PAYMENT!!

AS PROOF - REGARDLESS OF MY CREDIT SCORE - XXXX HAS ALWAYS ALLOWED ME TO LEASE- WHICH USUALLY REQUIRES IMPECCABLE SCORES BUT BECAUSE OF MY PAYMENT HISTORY - XXXX HAS NEVER NOT ALLOWED MY LEASE TO NOT BE APPROVED!

I HATE LIARS!!

THE CREDIT BUREAU IS NOT REPORTING THE CORRECT INFORMATION!!

THIS NEEDS TO BE A CLASS ACTION LAWSUIT!!

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX my mobile phone was stolen at gunpoint. I have a police case number through XXXX XXXXXXXX XXXX XXXXXXXX. The thieves changed the email and phone associated with my phone and therefore gained access to all accounts and emails on my phone. SOFI is my primary bank. There was {$1900.00} in fraudulent XXXX withdraws, which XXXX denied responsibility for. There was {$2100.00} of fraudulent XXXX charges initiated from my SOFI account. There was {$1000.00} in fraudulent XXXX XXXX charges that originated from my XXXX XXXX linked to my SOFI. XXXX claims they can not help at all to remedy the situation. There were XXXX transactions per each XXXX, XXXX, and XXXX XXXX fraud. Total amount stolen was {$5000.00}. I have never authorized anyone to access or use my bank or card. I have no idea who any of the individuals were who took the phone or any of the money. No one knows my phone passcode or any password to my mobile apps, my phone was unlocked and open on the XXXX XXXX  when the phone was taken. I reported the dispute to SOFI, ASAP, after I gained access to a phone and could call. They disputed the charges posted but not pending. I followed up yesterday XX/XX/year> and ensured all of the XXXX transactions were disputed. Since the original dispute it has been 9 days I believe. I am reporting this in an attempt to ensure transparency from XXXX in returning the fraudulent funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
The account was opened in XX/XX/XXXX and closed by Capital One around XX/XX/XXXX. After calling Capital One, I was informed that the closure occurred because another linked account experienced returned payments after that external account was closed. I continued to make payments and did not default. 

Despite this, my credit report lists : Status : In Collections/Charge-off Remarks : Profit and loss write-off / Dispute resolved reported by XXXX Worst payment status : XXXX days late Last payment : XX/XX/XXXX These details are inaccurate and contradictory they show payments made long after the supposed closure and incorrectly classify the account as a charge-off. This misrepresents my payment history and violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers must report accurate information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history.

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX ha ha ha ha oh yeah Date : XX/XX/XXXX To : Equifax, Experian, and XXXX XXXX Subject : Credit Report Dispute Multiple Accounts Reported by XXXX XXXX XXXX XXXX Dear CFPB I am writing to dispute several inaccurate and duplicative accounts reported under XXXX XXXX XXXX XXXX on my credit report. The following accounts appear to contain inconsistent, outdated, or unverifiable information : 1. Account No. XXXX ( opened XX/XX/XXXX ) Reported as Charged Off with a {$2800.00} balance and {$2900.00} written off. 
2. Account No. XXXX ( opened XX/XX/XXXX ) Reported as Charged Off with a {$1000.00} balance and {$610.00} written off. 
3. Account No. XXXX ( opened XX/XX/XXXX ) Reported as Paid, Closed but notes a {$180.00} charge-off prior to payment. 

I am disputing these accounts for the following reasons : 1. Duplicate and conflicting entries. The first two accounts share the same or substantially similar account numbers and creditor ( XXXX XXXX XXXX XXXX ), suggesting the same obligation is being reported more than once. Duplicate reporting of a single debt is prohibited under the FCRA. 
2. Improper charge-off reporting. The accounts show repeated CO ( charge-off ) status for multiple months over several years. Once an account is charged off, it can not continue to be reported as newly charged off each month ; this practice artificially extends delinquency and damages credit unfairly.

3. Inconsistent data and unverifiable balances. Each record lists different charge-off amounts, last payment dates, and status update timelineswithout consistent documentation to substantiate these figures. 
4. Paid/closed account still showing derogatory notation. The deposit account ( No. XXXX ) is reported as paid and closed yet includes a charge-off notation. This is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of these items. Please : Verify each account with complete, original documentation supplied by XXXX XXXX XXXX XXXX, including account statements and charge-off notices ; Delete any account that can not be verified as accurate, complete, and unique ;

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX ha ha ha ha oh yeah Date : XX/XX/XXXX To : Equifax, Experian, and XXXX XXXX Subject : Credit Report Dispute Multiple Accounts Reported by XXXX XXXX XXXX XXXX Dear CFPB I am writing to dispute several inaccurate and duplicative accounts reported under XXXX XXXX XXXX XXXX on my credit report. The following accounts appear to contain inconsistent, outdated, or unverifiable information : 1. Account No. XXXX ( opened XX/XX/XXXX ) Reported as Charged Off with a {$2800.00} balance and {$2900.00} written off. 
2. Account No. XXXX ( opened XX/XX/XXXX ) Reported as Charged Off with a {$1000.00} balance and {$610.00} written off. 
3. Account No. XXXX ( opened XX/XX/XXXX ) Reported as Paid, Closed but notes a {$180.00} charge-off prior to payment. 

I am disputing these accounts for the following reasons : 1. Duplicate and conflicting entries. The first two accounts share the same or substantially similar account numbers and creditor ( XXXX XXXX XXXX XXXX ), suggesting the same obligation is being reported more than once. Duplicate reporting of a single debt is prohibited under the FCRA. 
2. Improper charge-off reporting. The accounts show repeated CO ( charge-off ) status for multiple months over several years. Once an account is charged off, it can not continue to be reported as newly charged off each month ; this practice artificially extends delinquency and damages credit unfairly.

3. Inconsistent data and unverifiable balances. Each record lists different charge-off amounts, last payment dates, and status update timelineswithout consistent documentation to substantiate these figures. 
4. Paid/closed account still showing derogatory notation. The deposit account ( No. XXXX ) is reported as paid and closed yet includes a charge-off notation. This is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of these items. Please : Verify each account with complete, original documentation supplied by XXXX XXXX XXXX XXXX, including account statements and charge-off notices ; Delete any account that can not be verified as accurate, complete, and unique ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Bank contacted my father and disclosed the debt to him and the amount owed without my knowledge and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Absolute Resolutions Corp.
State: NV

Complaint narrative:
Ref : XXXX & XXXX accounts You guys illegally re aged a fraudulent account that is not mine. I have provided all necessary documents which show this. I responded to you within the 30 days and you guys never investigated the fraud and decided to post this on my credit report illegally. 
You guys never responded to my claim. I provided police report, FTC report and affidavit of identity theft and you still ignored me. Remove these fraudulent accounts immediately from my credit report. 

section 605 ( c ) ( 1 ) says the clock usually starts ticking 180 days after the date of first delinquency. 



Debt buyer can not legally re-age your account. Re-aging is illegal under the Fair Credit Reporting Act ( FCRA ) because it involves changing the original date of first delinquency ( DOFD ) to keep a negative mark on your credit report longer than allowed. This practice is illegal regardless of who owns the debt, whether it's the original creditor or a collection agency. 

Absolute Resolutions Investments , LLC This letter dated XXXX XXXX day XXXX Absolute Resolutions Investments , LLC, I am seeking balance information of an Account Absolute Resolutions Investments , LLC is showing on file. Please be advised that per my records Account Absolute Resolutions Investments , LLC A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should have a balance of { {$0.00} }. Pursuant to the Federal Fair Debt Collection Practices Act, you are hereby notified by XXXX XXXX to provide that information and make correction to your files. You are advised to send proof by us mail within 7 business days update with correct information with the above-referenced by Absolute Resolutions Investments , LLC and updated credit reporting that it be removed immediately. In the event that you fail to honor my request could subject your company to liability under Federal law. Please be advised on XX/XX/XXXX day of XXXX has been given written corresponds to make correct changes per above Thank you for your attention regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} 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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX XXXX ) financed by Westlake Financial Services at 24.99 % APR. Immediately after purchase the car showed major engine and safety defects. The dealer promised repairs but kept the car and refused to return it unless insurance proceeds were paid after a loaner accident. I repeatedly asked for my car back and notified Westlake ( XX/XX/XXXX ) of the situation. 

A XXXX report showed a manufacturer recall ( XX/XX/XXXX, # XXXX ) that was never disclosed. The dealer sent a falsified loan denial letter dated XXXX/XXXX/XXXX, tampered with my XXXX registration, and only paid {$42.00} of {$690.00} in fees. Westlake allowed the dealer to repurchase the contract without my consent and failed to provide the required loan documents or Truth-in-Lending disclosures. 

I am self-represented and XXXX. These actions caused loss of income ( approx. {$7300.00} monthly ), emotional distress, and business damage estimated at {$570000.00}. I seek rescission of the sale, refund of all monies paid, and investigation into the dealer and Westlake for unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: AL

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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$100.00} 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 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
cease and decist has been violated multiple times!

Company response to consumer: Closed with non-monetary relief