vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/year>, Capital One misreported my credit card balance as {$190.00} to the credit bureaus. However, my official Capital One billing statement for that same period clearly showed a balance of only {$2.00}. 

Because Capital One reported nearly my entire {$200.00} credit limit as being used, my credit utilization appeared to be 99 %, which caused an immediate XXXX drop in my XXXX XXXX. 

I disputed this with the credit bureau and provided my billing statement as proof, but the account came back as XXXX, with no explanation for why the inaccurate {$190.00} balance was reported. The dispute process did not resolve the error, as Capital One has not corrected the inaccurate balance. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information ( like Capital One ) to provide accurate and complete information to the credit bureaus. am requesting that Capital One : XXXX. Correct the misreported XX/XX/year> balance to reflect the accurate {$2.00}. 
XXXX. Update all three credit bureaus with the corrected information. 
XXXX. Ensure future reporting is accurate to prevent further harm. 

I have attached supporting documents, including my XX/XX/year> Capital One statement showing the {$2.00} balance, the credit bureau report showing {$190.00}, and the dispute results where the bureau marked the error as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence serves as my formal dispute of an unauthorized hard inquiry listed on my credit report. I did not consent to, apply for, or otherwise approve this action, making its presence invalid and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I am a consumer on XXXX income ( XXXX  ). My auto loan was repossessed and the vehicle was sold at auction. The lender collected approximately {$5000.00} from the sale. The original loan balance was approximately {$24000.00}. 

On my XXXX  credit report, the lender shows a charge-off of {$17000.00}, yet they are still attempting to collect a remaining balance of approximately {$18000.00}, which appears to include the charged-off amount, interest, and fees. 

I contacted the lender to request a breakdown of the remaining balance and to ask whether they had issued a Form 1099-C ( Cancellation of Debt ) for the charged-off amount. They stated they will not send a 1099-C, even though they reported the charge-off to credit bureaus. 

I believe the lender is engaging in unfair or deceptive practices by : Reporting a charge-off but continuing to attempt to collect the full balance Refusing to clarify whether a 1099-C was filed Potentially attempting to double-collect on a debt that has been tax-written off As someone on XXXX income, I am judgment-proof and vulnerable to improper collection practices. Im requesting that the CFPB investigate whether this lender is violating any laws by attempting to collect after charging off the debt and failing to provide full documentation of the balance or tax filings. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint regarding multiple inaccurate and unverifiable items that TransUnion continues to report on my credit file despite my previous disputes. On my report, they are listing XXXX account ending in XXXXXXXX XXXX XXXX XXXX with a reported high balance of {$160000.00}, opened on XX/XX/XXXX, and marked as a charge-off. They are also reporting XXXX XXXX account ending in XXXX XXXX XXXX XXXX with a high balance of {$24000.00}, opened on XX/XX/XXXX, and marked as a charge-off. In addition, they are showing a XXXX  XXXX Bankruptcy, reference number XXXX, associated with the U.S. Bankruptcy Court.

I have formally disputed these accounts and requested verification under my rights granted by the Fair Credit Reporting Act, yet TransUnion has failed to provide any original signed agreements, full account histories, or proper documentation showing these entries are accurate. They are also reporting multiple unauthorized inquiries, including XXXX from XXXX dated XX/XX/XXXX, XXXX from XXXX XXXX dated XX/XX/XXXX, and XXXX from XXXX dated XX/XX/XXXX. I have never given authorization for these inquiries, and TransUnion has not produced proof of my consent. 

The continued reporting of these items without proper verification is damaging my credit and violates my rights under FCRA 604, 609, 611, and 623. I have made good faith efforts to resolve this directly with TransUnion, but they continue to report this information without providing the legally required documentation. I am requesting that the CFPB investigate these violations and ensure that these inaccurate and unverifiable entries are deleted from my credit file.

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The supporting documents are enclosed to verify my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately

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 2025-09-02 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:
Experian TransUnion and Equifax has failed to meet its obligation I need the CFPB to form a reasonable reinvestigation of disputed information on my credit report leaving inaccurate and unverifiable accounts unresolved they consumer financial protection bureau has recently filed a lawsuit against Experian alleging, systematic issues, such as failing to provide consumer provided evidence to furnish his excepting unreliable responses if feeling to adequately notify consumers of dispute outcomes these failures align with my experience we experience has neither corrected nor removed disputed items, despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action, violates federal law in my rights as a consumer

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 2025-09-02 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-09-02 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the 30-day statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I had bought contacts on the app crypto.com for the XXXXXXXX XXXX XXXX XXXX XXXX for around XXXX $ XXXX picked Florida state to win the and they did and I never got my payout I texted customer service for hours they kept telling me to troubleshoot my app and than they started saying that I didnt pick Florida state Ive shown them proof and dates and I still havent got nothing back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX and I have a issue with a bank. I opened a account with chase about 2 months ago in person and I opened my account with a check that I received from a class action settlement. They opened the account told me I had access to {$100.00} and the rest of the funds would be available the next day. I waited about a week to receive my debit card and tried to pull out money and it wouldn't let me. I went inside the bank they told me they closed my account and I had to call a number to have them mail me my remaining balance. I called and they said since they couldn't verify my check they closed my account and I asked for them to send me my check and they said that the check would have to stay with them until it is verified. It has been 2 months now and I know that I can't cash the original check anywhere because it is now expired. So I don't know how to handle this situation I feel like they did me wrong the check is legit and they have created more problems for me by not cashing the check I have had bills I was going to pay with that check that I have not been able to pay and now I am beginning to get frustrated with the situation. Do you think you can help me with this situation let me know what you need from me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 

Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ; under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney & undefined ; fees as determined by the court.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XXXX XXXX I made a payment to my credit card company of {$400.00} with Citibank. For whatever reason the company is holding my payment and it never credited to my account. Today is XXXX XXXX and they are still holding on to the funds. Im scared to send anymore money because of this situation.

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 2025-09-02 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Account Request for Deletion Im writing to dispute an account on my credit report that is being reported inaccurately. The account is : Creditor : XXXX Account Type : Charge Account This account contains several errors : It shows the account was closed on XX/XX/XXXX, but also reports a last payment on XX/XX/XXXX thats impossible for a closed account. 
The balance and past-due amounts both show {$0.00}, yet its still being reported as a charge-off. 
The remarks section repeats Purchased by another lender twice, which shows incomplete and inconsistent reporting. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report 100 % accurate and verifiable information. Because of these inconsistencies, this account can not be verified as accurate. 
I am requesting that you delete this account from my credit report immediately. Please investigate and confirm the deletion in writing within the 30 days allowed under the FCRA. 
Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
Subject : Dispute of Inaccurate Account Request for Deletion Im writing to dispute an account on my credit report that is being reported inaccurately. The account is : Creditor : XXXX Account Type : Charge Account This account contains several errors : It shows the account was closed on XX/XX/XXXX, but also reports a last payment on XX/XX/XXXX thats impossible for a closed account. 
The balance and past-due amounts both show {$0.00}, yet its still being reported as a charge-off. 
The remarks section repeats Purchased by another lender twice, which shows incomplete and inconsistent reporting. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report 100 % accurate and verifiable information. Because of these inconsistencies, this account can not be verified as accurate. 
I am requesting that you delete this account from my credit report immediately. Please investigate and confirm the deletion in writing within the 30 days allowed under the FCRA. 
Thank you for your prompt attention.

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 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This correspondence is a formal notice of dispute regarding a fraudulent account appearing in my credit history. I never opened, authorized, or maintained this account. Its reporting is false and damaging, and I can not accept its continued presence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
Im disputing the following account on my credit report and requesting that it be removed immediately due to inaccurate and incomplete reporting : Creditor : XXXX XXXX XXXX Account Number : XXXX This account is being reported with major inconsistencies : The original creditor name is missing, so it cant be verified. 
The account shows a repossession, but the balance and payment history dont match up. 
A {$17000.00} balance is being reported on a closed account with a {$0.00} scheduled payment. 
Important dates like the Date of Last Activity and Date Closed are missing, making the reporting incomplete. 
Because this account can not be fully verified, I am requesting that you delete this account from my credit report under the Fair Credit Reporting Act ( FCRA ). 
Please investigate this account and send me written confirmation once it has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NV

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief