vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I disputed late payment remarks being reported on my credit report by Capital One in early XX/XX/year>. The dispute concerned whether the reporting was complete, not misleading, and compliant with the Fair Credit Reporting Act. 

Capital One responded by stating that the late payment information would not be removed and that the account was reported correctly based on its internal records. However, the response did not explain how the information was verified, what documentation was reviewed, or whether the cumulative severity and presentation of the late payment remarks could be misleading or disproportionate relative to the accounts overall history. 

The response relied solely on internal records and did not address whether the reporting meets the FCRA requirement for maximum possible accuracy, which includes ensuring information is complete and not misleading, even if some data points are technically correct.

Payments made during the life of the account, including payments made close to reporting cutoffs, were not meaningfully addressed in the investigation response. Capital One did not provide details regarding the reinvestigation process or how compliance with FCRA 607 ( b ), 611 ( a ), and 623 ( a ) was ensured.

I am seeking a compliance-level review of this credit reporting and correction or removal of misleading late payment remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX months ago and they refuse to report new account in good standing on account number : Account No. : Vehicle : XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING ACCOUNT REPORT ACCURATE WITH PAYMENT TO MY SS # ending in XXXX for all purchases from XXXX XXXX XXXX per FTC and per the signed and agreed contract that purchase will be reported to all 3 major credit agencies as a new account, on time payment account IN GOOD STANDING AS SOON AS LAW ALLOWS PER DOCUMENTS AND CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXXXXXX XXXX months ago and they refuse to report new account in good standing on account number : Account No. : Vehicle : VIN : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING ACCOUNT REPORT ACCURATE WITH PAYMENT TO MY SS # ending in XXXX for all purchases from XXXX XXXX XXXX per FTC and per the signed and agreed contract that purchase will be reported to all 3 major credit agencies as a new account, on time payment account IN GOOD STANDING AS SOON AS LAW ALLOWS PER DOCUMENTS AND CONTRACT

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX months ago and they refuse to report new account in good standing on account number : Account No. : Vehicle : VIN : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I AM REQUESTING ACCOUNT REPORT ACCURATE WITH PAYMENT TO MY SS # ending in XXXX for all purchases from XXXX XXXX XXXX per FTC and per the signed and agreed contract that purchase will be reported to all 3 major credit agencies as a new account, on time payment account IN GOOD STANDING AS SOON AS LAW ALLOWS PER DOCUMENTS AND CONTRACT

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 2025-12-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate and unfair credit reporting by Bank of America, N.A., in violation of the spirit and intent of the Fair Credit Reporting Act ( FCRA ).

I was a long-time Bank of America customer for many years and maintained this account in good standing. The account was paid in full in XX/XX/year> and reflected a {$0.00} balance at that time. I had no knowledge of any remaining balance or subsequent charge until my credit score unexpectedly dropped by nearly XXXX points, from Excellent too Good. 

Upon investigation, I learned that Bank of America sent electronic notifications that were diverted to my spam folder. Despite my lengthy customer relationship and prior good standing, Bank of America made no attempt to contact me by phone or U.S. mail regarding the alleged past-due balance of {$260.00}. 

The moment I became aware of the issue, on XX/XX/year>, I immediately contacted Bank of America and paid the balance in full. I spoke with XXXX separate specialists and explained the situation as it was an isolated and unintentional oversight, not a pattern of delinquency or refusal to pay. As I indicated my credit was at the Excellent level. 

Nevertheless, Bank of America has refused to remove the derogatory mark on my credit. I was so upset with the situation that I closed my account with them and will never again be affiliated with Bank of America. 

The negative reporting does not accurately reflect my creditworthiness, intent, or payment behavior, and the harm caused is grossly disproportionate to the circumstances. I believe Bank of America failed to exercise reasonable care in both its notification practices and its credit reporting. 

I respectfully request that the CFPB requires Bank of America to remove the derogatory credit reporting associated with my account as inaccurate and unfair under the circumstances. 

Should you require additional information please contact me. 

Thank you for your much needed assistance with this matter.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XXXX / XX/XX/year> I was the victim of a scam involving false promises and manipulation. I was instructed by the individual to move funds through money transfer services as part of what they claimed was a legitimate process. 

I transferred multiple payments from my Wells Fargo linked accounts through XXXX and XXXX XXXX. After the transfers were completed, I did not receive any goods, services, or money as promised. Instead, the individual continued asking for additional payments. 

Once I realized this was a scam, I immediately stopped sending funds and reported the activity to XXXX and XXXX XXXX. I also contacted Wells Fargo and filed dispute claims for the related transactions. 

Wells Fargo denied the disputes based on policy regarding money transfer services. While I understand the policy, the scam resulted in significant financial hardship, including depleted funds and maxed-out credit balances. 

I attempted to communicate further through Wells Fargos in-app messaging but was directed only to call. I am seeking written review and hardship consideration due to the financial impact of this scam.

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 2025-12-18 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that have been reported inaccurately or are showing incorrect information on my credit report. Please investigate these discrepancies with the appropriate bureaus, as outlined below. 

Charged-Off Accounts XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$660.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$510.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$140.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$420.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$1000.00} Inquiries XXXX XXXX, XX/XX/XXXX Late Payments XXXX XXXX, XXXX XXXX / XXXX XXXX XXXX XXXX XXXX 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 2025-12-18 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that have been reported inaccurately or are showing incorrect information on my credit report. Please investigate these discrepancies with the appropriate bureaus, as outlined below. 

Charged-Off Accounts XXXX XXXX, XX/XX/XXXX, Balance : {$620.00} XXXX XXXX, XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX, XX/XX/XXXX, Balance : {$670.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$480.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$650.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$660.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$140.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, Balance : {$420.00} Inquiries XXXX, XX/XX/XXXX Late Payments XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: MS

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items ormation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows ol as reasonable cause to believe that the information is inaccurate.

Delete the accounts below : XXXX XXXX ( TransUnion ) XXXX XXXX XXXX ( Expirian ) ( TransUnion ) XXXX XXXX XXXX ( Expirian ) ( TransUnion ) XXXX XXXX XXXX ( XXXX ) XXXX - XX/XX/year> ( Equifax ) XXXX XXXX - XX/XX/year> ( TransUnion )

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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Subject : Urgent : Unauthorized Card and Annual Fee - Case XXXX My name is XXXX XXXX. I recently discovered that Bank of America issued a new credit card linked to my existing account without my consent. This new card has a {$95.00} annual fee, whereas my original card has no fee. 
I requested a replacement no-annual-fee card, but the {$95.00} charge has already posted. Additionally, BOA indicated that my rewards points may be lost due to the new card. I want to ensure my points remain intact and that my original account remains active. 

I request the following actions immediately : XXXX. Reverse the {$95.00} annual fee. 
XXXX. Confirm that my original card remains active with rewards intact. 
XXXX. Confirm that the new no-fee card will be issued as requested. 
XXXX. Ensure that no negative reporting related to this issue will be made to the credit bureaus. 

Please respond in writing via secure message or email to confirm these actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arcon Credit Solutions LLC
State: CA

Complaint narrative:
My name is XXXX XXXX am XXXX XXXX my home country XXXX, occupation XXXX  XXXX XXXX XXXX XXXX XXXXXXXX I lived there all the time with my wife and children, I never have any related of XXXX XXXX, from XXXX Time payment company sent me a Notes that I owe {$65000.00} because I sign electronically personal XXXX a lease agreement with XXXX XXXX, that entity filed bankruptcy and as XXXX I liable for that amount, I dispute that fraud claim at that time, on about XX/XX/XXXX I received lawsuit from XXXX Attorneys represent XXXX, alleged they time payment company sent sold to them this credit, I filed cross claim against them reputed as fraud and fraudulent, the court dismissed the case as plantiffs request if I agree to similar dismiss my cross claim, now I recieved again the same claim from. ARCON CREDIT solution collection claimed the same amount alleged that they represent XXXX XXXX investment and time payment sold to XXXX. And they not willing to go court because its old credit but if I dont settle the amount they threaten to report it in my credit bureaus, despite that all of that scenario is fraud, never happened but also its conflict with the alleged of the two attorneys represented XXXX, at the best one of them is fraud or all of them I, I XXXX XXXX from XXXX every 6 month new collection send me same scenario with a new name, I filed cross claim this claim because its fraud and blackmail

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am reporting unauthorized debit card transactions on my Navy Federal checking account. 

On XX/XX/year>, multiple transactions totaling {$320.00} were made without my authorization while I did not have my physical debit card. These include charges at The XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

I reported the fraud promptly. XXXX XXXX initially issued a provisional credit, which was later reversed while the fraud investigation is still ongoing. I was also instructed to complete a security form that I later learned was not required, contributing to confusion and delay. 

XXXX XXXX charge was authorized by me and placed because I did not have my debit card. 

This is my primary checking account, and the withheld funds are causing financial hardship. I am requesting immediate reinstatement of the provisional credit in accordance with Regulation E while the investigation remains pending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Kriya Capital, LLC
State: PA

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements. 

I have disputed this account directly and/or through the credit reporting agencies. Despite these efforts, the collection agency has not provided adequate proof or corrected the inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
XXXX I had an amount of XXXX taken out of my PNC account through my debit card from a company called purchasing power I tried to order something from there and they took the money out of my debit card instead of the allotment I had setup though my post office check. I went down to pnc and they said wait till it has posted .So the next day I called and the turned my money.i explained to them and showed pictures and receipts from the company Now I get a letter saying that there was no error and there taking the money back that was mine to begin with So Im out all that money and Im not getting any merchandise.So they are profiting the XXXX The reference number on the letter is XXXX Please help me with this I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX continued furnishing of inaccurate, incomplete, and misleading credit information and the credit bureaus failure to ensure maximum possible accuracy, in violation of federal law. 

The account in question is an auto loan opened XX/XX/XXXX, and closed XX/XX/XXXX, which was allegedly charged off in XXXX. Despite this, the account is being repeatedly reported as charged off every month throughout XXXX and XXXX, creating the false appearance of ongoing delinquency. 

A charge-off is a single accounting event, not a recurring monthly status. This reporting constitutes illegal re-aging, which materially misrepresents the age, severity, and recency of derogatory information in violation of FCRA 623 ( a ) ( 5 ).

Additionally, the reporting contains numerous factual inconsistencies, including but not limited to : Conflicting highest balance figures ( {$17000.00} reported on one bureau and {$0.00} on another ) Inconsistent last payment dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Continued derogatory payment history after the account was closed A balance and past-due amount reported simultaneously with a charged off / written off status Monthly payment history reporting well beyond the accounts closure date These inconsistencies demonstrate that XXXX XXXX XXXX XXXX not possess competent documentary evidence to substantiate the accuracy of the data being furnished. 

If XXXX XXXX XXXX or any affiliate is attempting to collect this debt, the furnishing of inaccurate credit data also constitutes false representation of the legal status of a debt under FDCPA 1692e and 1692f.

Further, the failure to properly reconcile balances, payment history, and charge-off accounting raises violations of the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and undermines disclosure requirements under the Truth in Lending Act.

I have disputed this information directly, yet the account continues to be verified without correction, suggesting reliance on automated e-OSCAR verification rather than a lawful reinvestigation as required by FCRA 611. 

I am requesting CFPB intervention to require : XXXX. A manual investigation supported by documentary evidence XXXX. Correction or deletion of all inaccurate and unverifiable data XXXX. Written confirmation of compliance Failure to correct this reporting continues to cause measurable financial harm and reputational damage.

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