vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. of Agriculture XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: LEXISNEXIS
State: TX

Complaint narrative:
I am filing this complaint because LexisNexis Risk Solutions has verified information that could not be properly substantiated, resulting in continued reporting of inaccurate and re-aged accounts on my consumer file. 

After submitting disputes regarding multiple accounts that appeared across XXXX  and XXXX  ( including XXXX XXXX, XXXX Bank, XXXX XXXX XXXX XXXX, and XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX LexisNexis confirmed those items as verified. However, no documentation, original source validation, or proper verification method was provided. 

Evidence shows : Re-aged charge-off accounts reflecting new Date of First Delinquency. 

Accounts marked dispute resolved subscriber disagrees reinserted without proper notice. 

Inconsistent account statuses across CRAs ( paid & closed vs. charge-off ) proving a lack of uniformity under Metro 2 XXXX XXXX. 

These actions constitute unlawful verification and continued publication of false data under the Fair Credit Reporting Act. 

Violations Cited : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation within XXXX  days. 

FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 5 ) ( B ) Re-insertion of previously deleted data without required consumer notice. 

FCRA 605 ( c ) Illegal re-aging of the Date of First Delinquency to extend reporting beyond XXXX years. 

FCRA 616 & 617 Civil liability for willful and negligent non-compliance.

Metro 2 Compliance Guidelines Failure to maintain consistent account status, XXXX, and dispute codes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit Bureau Reinvestigation Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Experian [ Insert Bureau Address ] Subject : Reinvestigation Request XXXX XXXX XXXX Account Ending XXXX Dear Experian, This is a formal dispute and reinvestigation request under 15 U.S.C. XXXXi regarding the accuracy of reporting for XXXX XXXX XXXX, account ending XXXX. 
XXXX XXXX XXXX has failed to verify or provide documentation supporting the repossession and alleged deficiency balance of {$9900.00}. Their response dated XX/XX/XXXX included no proof of sale, auction documentation, or post-sale accounting as required by XXXX XXXX. 
Because the furnisher has not provided evidence substantiating this account, its continued reporting violates the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ) and must be deleted immediately under XXXX ( a ) ( XXXX ). 
Please conduct a full reinvestigation and provide written confirmation of the results. 
Sincerely, 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 2025-10-19 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:
This account was charged off on the following date XX/XX/year> Since then the account has been repeatedly updated as charged off every month. 
This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account Account Name XXXX Account number 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 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account was charged off on the following date XX/XX/year> Since then the account has been repeatedly updated as charged off every month. 
This is an update in the payment history. A charge off should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account Account Name XXXX Account number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am formally disputing the accuracy and completeness of the above-referenced account reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681c-2 ), I demand an immediate investigation and permanent deletion of this account from my report due to multiple violations outlined below.

1. Inaccurate and Conflicting Reporting The account history and status are inconsistent and contradictory. The report shows : A charge-off recorded in XX/XX/XXXX, While also showing a past-due balance of {$3300.00} as of XX/XX/XXXX, Yet lists no recent payment and fluctuating delinquency codes ( 60180 days late ) extending after the supposed charge-off date. 

Under FCRA 1681i ( a ) ( 1 ), Experian is required to ensure the accuracy of any information that is reported. Conflicting payment history and balance data indicate this account is being reported inaccurately and incompletely, rendering it legally unverifiable.

2. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher ( in this case XXXX ) XXXX not report information it knows or has reasonable cause to believe is inaccurate. Reporting a balance after a charge-off, or updating the last activity date post-charge-off, violates federal reporting standards and inflates the accounts derogatory impact. 

XXXX. Improper Re-Aging / Date Manipulation The Date Opened ( XX/XX/XXXX ) and Charge-Off ( XX/XX/XXXX ) reflect a 9-month window, which is inconsistent with standard creditor practices and strongly suggests re-aging prohibited under the FCRA and the FDCPA ( 15 U.S.C. 1692e ( 8 ) ). Any manipulation of delinquency dates to extend reporting time constitutes willful misrepresentation of data. 

4. Failure to Certify Verification If XXXX can not produce complete, verifiable documentation with my original wet-ink signature, account agreement, payment history, and legal proof of default, Experian is required under FCRA 1681i ( a ) ( 5 ) to delete this account from my file 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 explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Ive been asking for help for about five months from Capital One! Im going through a divorce and my income has changed. This credit card is already on my credit file as a closed account, and Im trying to pay it off, but Capital One is REFUSING to help me pay this debt off, while continuing to add on their high interest and late fees!! Ive been paying on this card since 2020 diligently and now Im needing help, but Capital One isnt willing to help me catch up, and settle this debt! 
I reached out one more time today and spoke with an agent named XXXX and a XXXX named XXXX. I asked again about a hardship program, but again I was told they couldnt help me. I asked for there decision to be given to me in writing and I was told that Capital One does not give out written decisions. XXXX told me he would forward a complaint from me. I asked will I get that in writing, to my email or phone and again the answer was, NO. 
Im just not understanding why Capital One will not help me out with a hardship! Im not trying to get out of paying this debt, all Im asking for is help by stopping the interest, fees, and allow me to go on a reasonable repayment plan to bring this already closed account paid in full!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a formal dispute filed under the Fair Credit Reporting Act ( FCRA ). My Experian credit report includes numerous fraudulent accounts resulting from identity theft. Experian has failed to resolve these serious inaccuracies despite my prior disputes and an active ID fraud victim alert on my report, which mandates stricter verification. 

Pursuant to my rights under the FCRA, I am disputing the following fraudulent accounts. These accounts were opened and managed without my knowledge, consent, or authorization : XXXX XXXXXXXX XXXX : This account is reporting as " delinquent 60 days past due date ''. My report also includes the comment " Account Information Disputed By Consumer, '' proving Experian was aware of my dispute but failed to act. 

XXXX XXXX : This account is reporting a 60-day delinquency. The comment " Dispute Resolved - Consumer Disagrees '' is an admission that my previous attempt to correct this was ignored. 

XXXXXXXX XXXX : This account is incorrectly reporting a " 30 days delinquent '' status. 

XXXX XXXX : This account is reporting a 30-day delinquency. The comments again show my dispute was not properly handled : " Dispute Investigation Completed - Consumer Disagrees ''. 

XXXX XXXX XXXX / XXXX : This account is reporting a 30-day delinquency.

Experian has failed to follow the instructions of the fraud alert on my file and has not conducted a reasonable investigation into my repeated disputes, allowing damaging and inaccurate information to remain.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
To Whom It May Concern : I am filing this complaint against Bank of America , N.A . regarding the unauthorized withdrawal of {$3700.00} from my XXXX XXXX XXXX Checking Account ending in XXXX on XX/XX/year>. 

On that date, Bank of America transferred or deducted the above amount to apply toward a business credit card account ending in XXXX. I did not authorize this transaction, nor was I given any prior notice that an offset or set-off would occur. 

Although Bank of America may claim a contractual right of offset, XXXX XXXX  XXXX ( XXXX XXXX XXXX. XXXX and XXXX ) requires reasonable advance written notice ( typically 30 days ) before a financial institution may cancel or debit a deposit account to satisfy a loan obligation. No such notice was provided to me by mail, email, or secure message. 

Furthermore : The deduction created severe cash-flow disruption to my business, including delayed payments to vendors and potential overdraft risk. 

The offset was taken without a default notice or demand for payment on the credit card account. 

The funds were withdrawn from a business checking account, not a personal account, yet no documentation or justification was presented to establish that such self-help collection was contractually or legally permitted. 

I have requested written explanation and supporting documents from Bank of America, but have not received a satisfactory response. 

I believe this conduct violates fair banking and unfair or deceptive trade practice standards under XXXX XXXX XXXX. XXXX, as well as federal consumer protection laws that prohibit financial institutions from engaging in unauthorized electronic fund transfers or offsets without notice and consent. 

I respectfully request that the Consumer Financial Protection Bureau : Investigate XXXX XXXXXXXX XXXX actions in executing this offset without proper notice or authorization ; Require Bank of America to produce the account and credit card agreements showing the alleged right of offset ; Order reversal and reimbursement of the {$3700.00} plus any resulting overdraft or penalty fees ; and Ensure the bank adopts corrective practices to provide advance written notice before any future offset of customer funds. 

Please contact me if further documentation is required. I can provide copies of my bank statement showing the withdrawal, and correspondence demonstrating the absence of prior notice.

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 2025-10-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Identify Theft, Fraud, Suspicious Activity- I have uploaded a Police Report and Identity Theft Letter. I have contacted XXXX XXXX, Capital One, XXXX XXXX and all others for validation of debt by sending certified mail XX/XX/2025 and did not receive a response within XXXX days. I included certified mail receipts, documentation, letters, etc. I filed complaints with the CFPB and will complete a FTC Identity Theft claim once the government reopens. I sent detailed packages to XXXX, XXXX, and XXXX  which included Validation of debt letters, Intent to Sue Letters, Demand Letters and all accompanying documentation. Now comes a follow up which includes an Identity Theft Letter and Police Report. All accounts listed in the letter should permanently be Removed for all credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
I do not owe this amount and I want it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: WI

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.

15 U.S.C 1681 section 602 A. 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 a 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 of information 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
I had an account with CashApp for many years and have never had any problems until XXXX of 2025 when my phone was hacked and my personal information was compromised and I immediately contacted cashapp. I have not moved or changed my information other than my email because the hackers changed my password to an email I've had for over XXXX years, I know it's not a lot of money but my health is not good and the money I had in my account was gifts from my son and brother for Mother 's Day but we are now in XXXX and I can not access my funds and I'm so afraid that they will release my money to the hackers. I'm waiting on a new card and hoping that they will help me clear this dilemma because I never asked to be victimized and I have been affected so much by these hackers for {$100.00} dollars and that is scary that the institution I use does not help me get this trauma behind me. I have made police reports. Federal agencies reports and internet crime reports at no avail because they are still holding my money giving the hackers opportunity to take my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NY

Complaint narrative:
Heres my original complaint id number XXXX. Ive reached out to XXXX XXXX XXXX and the credit bureaus. No one has an answer to why my mortgage payments are not accurately being reported. Like stated in my prior complaint XXXX failed to respond to a dispute in 2022, so the entire account was deleted from my reports. Ive been trying vigorously to have this situation corrected to no avail. Please, please help me resolve this once and for all. Thank you in advance.

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 2025-10-19 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: MI

Complaint narrative:
This XXXX XXXX XXXX XXXX account ( XXXX XXXX XXXX  ) is being reported inaccurately and must be deleted. 

The reporting is inconsistent across credit bureaus : One report shows the account closed in XX/XX/XXXX but also lists a payment in XX/XX/XXXX. 

One bureau reports six late payments, another reports XXXX. 

Status differs ( Paid Charge-off vs. Payment After Charge-off ). 

Creditor name is inconsistent. 

These errors make the account unverifiable and inaccurate, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and FCRA 611 ( a ) ( duty to reinvestigate disputed information ). 

I am demanding that this XXXX XXXX XXXX XXXX account be deleted from my credit report immediately due to noncompliance with federal reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Formal Credit Reporting Removal Request XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX  XXXX Attn : Credit Reporting Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Subject : Request for Complete Removal of Inaccurate Credit Reporting Account Number : XXXX To Whom It May Concern, I am filing this formal dispute and request for deletion regarding inaccurate reporting of my account listed above. After reviewing my credit report, I have identified multiple violations of Metro 2 compliance standards and Fair Credit Reporting Act ( FCRA ) requirements that render this information unverifiable and misleading. 

Summary of Reporting Errors The account was charged off in XX/XX/XXXX, but the balance and status have been continuously updated through XX/XX/XXXX, violating Metro 2 reporting rules for charged-off accounts.

The report shows a past due balance of {$210.00} after charge-off. Charged-off accounts must reflect a {$0.00} past due balance. 

A credit limit of {$150.00} continues to be reported despite the account being closed, causing false utilization data. 

The payment history lists multiple CO ( charge-off ) codes after the original charge-off date, violating Metro 2 Field 24 standards. 

The status update date of XX/XX/XXXX misrepresents the accounts actual last activity.

Because this information is inaccurate, unverifiable, and in violation of FCRA 602 ( A ), 607 ( B ), and 623 ( A ) ( 1 ), I am demanding immediate removal of this account from all consumer reporting agencies ( XXXX Experian, and XXXX  ). 

Failure to correct these errors within 30 days will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX  ( XXXX ), and the Illinois Attorney Generals Office for further investigation of XXXX XXXXXXXX XXXX XXXXXXXX compliance practices.

Please provide written confirmation once this account has been permanently deleted from all reporting agencies. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX SSN : XXXX DOB : XX/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