vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: AR

Complaint narrative:
I am submitting this dispute regarding inaccurate and misleading reporting on my credit file, which appears to be in violation of the Fair Credit Reporting Act ( FCRA ). The account XXXX XXXX  ( Account No. XXXX XXXX XXXX XXXX XXXX XXXX reports a balance of {$450000.00} and shows late payments from XXXX through XX/XX/XXXX, including 30-, 60-, and 90-day delinquencies. However, these reported late payments are inaccurate and do not reflect the true payment history of the account. Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must ensure accuracy and completeness in all reported data. I request a full reinvestigation to verify all reported payment dates and amounts to ensure compliance with FCRA 611 ( a ) Additionally, the account XXXX  XXXX  ( Account No. XXXX ) XXXX reports a balance of {$21000.00} with multiple late notations 30 to 120 days spanning from XX/XX/XXXX through XX/XX/XXXX. These delinquencies are highly inconsistent with my payment records and therefore violate the requirement of maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. This misinformation is causing significant harm to my credit standing and must be corrected if unverifiable. 
Furthermore, the account XXXX XXXX ( Account No. XXXX ) XXXX XXXX incorrectly shows a {$0.00} balance and inaccurate payment status, and XXXX  XXXXXXXX XXXX XXXX is being reported as included in bankruptcy, * * which is inaccurate and misleading. Under FCRA 623 ( a ) ( 2 ), data furnishers are obligated to promptly update and correct information they discover to be inaccurate or incomplete.

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 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I used my cash app card at the atm. The atm was a capital one atm. The machine did not dispense money to me. Capital one told me they did not own the atm. To call my bank. My bank said they had transferred the money to the bank and could not help me. Neither bank would help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: TX

Complaint narrative:
CFPB Complaint Credit Reporting ( Inaccurate/Unverifiable Information ) Product : Credit reporting Issue : Incorrect information on your report Sub-issue : Information belongs to someone else / cant be verified / failure to investigate Company ( ies ) : XXXX  XXXX XXXX XXXX Experian Information Solutions , Inc . 

XXXX  XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 

What happened? ( Narrative ) I am disputing multiple inaccuracies and unverifiable entries on my consumer reports. Over the last several months I sent written disputes ( with identity and address documents ) to the nationwide consumer reporting agencies listed above. My disputes identified specific items and requested correction or deletion under the Fair Credit Reporting Act ( FCRA ). 

Despite receiving my disputes, the agencies did not ( 1 ) reasonably investigate, ( 2 ) provide the method of verification, or ( 3 ) correct or delete items that remain inaccurate, incomplete, or unverifiable. Some items appear to have conflicting data across bureaus ( dates opened/last activity, balances, status comments ), suggesting data quality issues. In at least one instance, a previously removed item appears to have been reinserted without the required furnisher certification or 5-day notice. 

Key problems I reported directly to the CRAs : Cross-bureau inconsistencies ( different dates, balances, status codes for the same tradeline ). 

Unverifiable collections lacking proof of the original creditors ledger, chain-of-assignment, or clear Date of First Delinquency ( DOFD ). 

Hard inquiries where I have no record of authorizing a pull ; I requested the permissible-purpose code and signed authorization and did not receive them. 

Personal-information errors ( name/address/employer variants ) that I asked to be removed per Metro 2 Code 112 hygiene. 

Potential improper reinsertion without the 611 ( a ) ( 5 ) ( B ) certification/notice.

Why this matters : These errors are harming my creditworthiness and causing material risk of denial or worse terms. Under FCRA 607 ( b ), 609 ( a ), 611, and ( if applicable ) 605B, the CRAs and furnishers must ensure maximum possible accuracy, conduct reasonable reinvestigations, provide the method of verification upon request, and block identity-theft information where appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
They are re-aging this debt by XXXX  years which is illegal and against the law FCRA 15 USC 1681C The original date of collection was XX/XX/XXXX they re aged the debt for XX/XX/XXXX which they can not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX XXXX I was at work, and while I'm at work I am not allowed to be on my phone. At the end of my shift when I clocked out, and was headed home ; I seen that I had a notification from my back. My bank had notified me that an amount of {$4500.00} had been withdrawed from my account. I then went online to check my bank account ; and I seen that two transactions had taken place through cash app. One in the amount of {$750.00} and another transaction in the amount of {$3800.00}. So I then contacted my bank ( XXXX XXXX ) and they told me to contact cashapp, because they are not able recover funds from fraud done through cash app. So I contacted cash app, and explained to them what had taken place, and how I did not send the funds, nor did I give anyone my information to take the funds. So it was clear that my cash app had been compromised. They filed a dispute for me ; but they keep denying my claim. I've filed up to about five disputes already. I would never send someone that much money through cash app, nor am I gullible to giving anyone my information. I just really need my money back ; these are funds that i need back in order to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX  Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty. 
FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

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 2025-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
On XX/XX/XXXX, GM Financials recovery agent removed my XXXX XXXX XXXX XXXX  from my residence even though the vehicle had been named as evidence in formal Preservation of Evidence letters I sent by email notification on XX/XX/XXXX, and by certified mail on XX/XX/XXXX. Another preservation letter was emailed and sent by certified mail on XXXX XXXX, following the repossession, along with a police report. Those letters clearly instructed GM Financial and the dealership not to repossess, sell, or alter any property connected to the disputed contract.

The repossession caused physical damage to my driveway ( black rubber streaks and surface tearing ) and the company has provided no chain-of-custody documentation showing who authorized or conducted the seizure.

By taking and damaging property that had been designated as evidence, GM Financial engaged in destruction and spoliation of evidence, violating lawful preservation requirements and the consumers right to due process under the Fair Credit Reporting Act and U.C.C. 9-609 ( b ).

I am requesting that the CFPB require GM Financial to : Produce the complete repossession order and chain-of-custody record for this vehicle ; Provide documentation of who authorized the removal after receipt of the preservation letters ; and Correct all credit reporting and internal records arising from this illegal and destructive repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified 30 days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within 30 days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point.

One address is reported on my report which is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, XXXX XXXX Under FCRA do not violate my rights under consumer law without verifying this information and having these items listed under removed immediately. Legal action will be taken next. 


XXXX XXXX Date Opened XX/XX/XXXX Balance {$810.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$550.00} XXXX  Date Opened XX/XX/XXXX Balance {$440.00}

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the XXXX XXXX XXXX collection account for XXXX Bank ( opened XX/XX/XXXX, balance {$950.00} ). My report lists inconsistent closed and last activity dates ( XX/XX/XXXX and XX/XX/XXXX ) and conflicting dispute statuses across bureausone bureau lists disputed by consumer, while others state not disputed. 

This inconsistency violates FCRA 611 ( a ) ( 1 ) and 607 ( b ), which require uniform, verified, and accurate information. Because the furnisher has not reported the same verified data to all bureaus, the record must be reinvestigated. 

Please conduct a reinvestigation and delete or correct this account if it can not be fully verified within 30 days. 

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account appearing on my credit reports with Experian, TransUnion, and Equifax after finding that the account was inaccurately reported and unverifiable. I have never received any signed contract, billing statement, or document proving that I owe this alleged debt. Despite my written validation requests sent in XX/XX/year> and bureau disputes submitted on XX/XX/year>, the company has failed to provide supporting documentation or proof of authorization from the original creditor, XXXX XXXX XXXX. 

The account continues to appear on my credit reports with inconsistent balance and status information, which constitutes inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). I am requesting that the CFPB require XXXX XXXX XXXX  to provide full documentary evidence verifying the validity of this account or remove it completely from all consumer credit 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 non-monetary relief
Consumer complaint received 2025-10-18 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: MN

Complaint narrative:
I disputed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account appearing on my credit reports with Experian, TransUnion, and Equifax after finding that the account was inaccurately reported and unverifiable. I have never received any signed contract, billing statement, or document proving that I owe this alleged debt. Despite my written validation requests sent in XX/XX/year> and bureau disputes submitted on XX/XX/year>, the company has failed to provide supporting documentation or proof of authorization from the original creditor, XXXX XXXX XXXX. 

The account continues to appear on my credit reports with inconsistent balance and status information, which constitutes inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). I am requesting that the CFPB require XXXX XXXX XXXX  to provide full documentary evidence verifying the validity of this account or remove it completely from all consumer credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: NJ

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
I disputed the Credit Acceptance Corporation account with XXXX, XXXX, and XXXX  after finding that it reports inconsistent and inaccurate information related to a past vehicle loan. The account is listed as a repossession and charge-off, but no supporting documents such as the signed contract, payment history, or repossession/sale paperwork were ever provided despite multiple written validation requests. 

The account continues to appear on my credit report with conflicting balance and status details, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ), 611 ( a ), 607 ( b ) ) and the Fair Debt Collection Practices Act ( 809 ( b ) ). I am requesting that the CFPB require Credit Acceptance to provide full verification of this account or remove it completely from all consumer credit 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
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX  has been reporting my credit card payments along with bill payments EXPERIAN is not posting the updates on my credit report At first it said my last payment was in XXXX. That was two weeks ago. when asked to update my report they changed the last payment back until XXXX. So I have no credit car payments posted from XXXX up till now XXXX also reporting my bill payments to them they're not putting those in my credit report either I switched cell service from visible tool boost Experian won't Mark visible as being closed instead of leaving it as an unpaid bill which brings down my credit score visible is a prepaid service there's no way you can have a balance due with them So they won't close the visible account after I made payments on it for 18 months in a row and they won't post my current credit card payments from XXXX through XXXX When I spoke with the virtual assistant it said that both those things would definitely increase my credit score

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 2025-10-18 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:
There are still several inaccurate accounts showing up on my credit reports, and none of them have been cleared out. Im truly exhausted from this issue and Im asking with all sincerity that the documents Ive provided be reviewed with care so that I can finally stop stressing over it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: PA

Complaint narrative:
This account has been paid in full, yet late payment remarks are still being reported.

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 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account ( opened XX/XX/XXXX ). My report lists it as Charged off as bad debt, but this is inaccurate. 

The account shows a closed date of XX/XX/XXXX yet lists payment activity from XXXX, which is inconsistent and unverifiable. Additionally, the payment history is not reported uniformly across all three bureaus, violating FCRA 607 ( b ). 

Please conduct a reinvestigation and remove or correct the charge-off notation. If XXXX can not verify the account within 30 days under FCRA 611 ( a ) ( 1 ), it must be deleted. 

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My Coinbase account was accessed without my authorization on XX/XX/year>, from an IP address in XX/XX/XXXX ( as confirmed by Coinbase in writing ). 

The unauthorized party performed multiple actions including coin-to-coin trades ( XXXX ), sell orders, and XXXX sends resulting in total losses of approximately {$1000.00} USD. 

Coinbase acknowledged the unauthorized access and reimbursed only a small portion ( XXXX XXXX {$190.00} ) but refused to reimburse the rest, claiming that internal XXXX trades and sell transactions dont qualify for reimbursement under their policy. 

All these transactions occurred within minutes of the same unauthorized login session verified by Coinbase. I believe Coinbases refusal to cover the full loss is unfair because their own investigation confirmed my account was compromised. 

Im seeking a full reimbursement of the remaining stolen funds and an independent review of Coinbases reimbursement policy for unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
I am writing to dispute the inaccurate reporting of my XXXX XXXX XXXX account ( opened XX/XX/XXXX ). My report lists it as Charged off as bad debt, but this is inaccurate. 

The account shows a closed date of XX/XX/XXXX yet lists payment activity from XXXX, which is inconsistent and unverifiable. Additionally, the payment history is not reported uniformly across all three bureaus, violating FCRA 607 ( b ). 

Please conduct a reinvestigation and remove or correct the charge-off notation. If XXXX can not verify the account within 30 days under FCRA 611 ( a ) ( 1 ), it must be deleted. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation