vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and XXXX anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I discovered that an old credit card account from a major bank is reporting inaccurate and contradictory information. The account shows a Date Reported in XXXX  which is a future date and can not be verified as accurate. This alone indicates that the information being furnished is not correct. 

The account also displays an invalid Worst Status : Unknown field, which is not a permissible XXXX XXXX reporting code. Required information such as the original creditor details and certain historical data is missing. The dates listed for last payment, charge-off, and closed status conflict with XXXX another. 

I attempted to dispute the information, but no corrections were made. I am requesting CFPB assistance because the company is furnishing incomplete, contradictory, and unverifiable data in violation of FCRA accuracy requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have never opened an account and I do not have a contract with LVNV Funding LLC. This company reported false information This company only wants to assault my character and credibility. I read complaints on the XXXX XXXX XXXX that discuss LVNV never provided validation per their request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My deceased Spouse accounts are in her name and NFCU wants me to obtain a Court Order to release the funds. 

I reported her passing to the Navy Federal Credit Union I am the Spouse I have a Marriage Certificate I have a Death Certificate I have a Certification of Trust Document We have a Trust to AVOID probate I am the Trustee I am the Executor In the XXXX XXXX  Will, I am the Personal Representative. 

They are needlessly adding to the grief of my Wifes " Passing, needless stress, needless expenses, taking what life time I have left to take care of the Beneficiaries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I use Capital One Bank and I keep getting charges to my personal and Business accounts. They freeze my account and send me a new debit card. This happens all the time. Then I read where Capital One has been hacked and they dont know how many people are involved and what ever else. I cant get anyone at my home town bank to answer the phone. I cant leave work to go deal with this. HOW DO I DEAL WITH THIS. Someone had all my personal information. I tired filling out the free protection CFPB has but its not excepting my cell number to send me a confirmation code. Please help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding Equifaxs continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I was send a letter from a property company I owed them money. Which I didnt. Never had an account with them. When I called them they said they had no record of me but it was still reported to collections. When I called the collections agency to ask them for proof they hung up on me. Wouldnt help me. They were incredibly rude and unprofessional. I have the email from the property manager saying they have no records of me in their system so they dont know what the collections is about. The collection agency is no help. No one is providing me with any paperwork that has my name or signature on it that says that I signed up for this or owe this. Its affecting my credit and I had nothing to do with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX took an unauthorized debit from my account on XX/XX/year> in the amount of {$500.00}. I have been going back and forth with them regarding my XXXX of auto debit by their company. I have requested that they present evidence of my alleged reauthorization of auto debit ; they have produced no such document.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

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 explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WESTSTAR MORTGAGE CORPORATION
State: TX

Complaint narrative:
I have a conventional mortgage loan that does not require a mandatory escrow account under the Note or Deed of Trust. I have more than 20 % equity. I requested an escrow waiver, which is standard for conventional loans once sufficient equity is reached. 

Before my loan was transferred, my prior servicer ( XXXX ) verbally confirmed that once I completed my recast and exceeded 20 % equity, they would remove PMI and cancel the escrow account. I completed the recast and paid additional principal in reliance on that approval. My loan transferred to Weststar almost immediately afterward, before XXXX could issue written confirmation.

Weststar is now refusing to remove the escrow account, stating only that company policy does not allow post-close escrow waivers. They refuse to provide : a copy of that policy, any investor guideline, or any contractual clause authorizing them to deny removal when the loan documents do not require escrow.

The manager I spoke to insisted the denial was solely based on internal policy and would not provide written documentation or alternative options. This has left me with a servicing outcome that contradicts both my loan contract and the prior servicers approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint because TransUnion is reporting incorrect or unverifiable information. Below are the details for the disputed accounts : XXXX. Charged Off Disputed The following charged-off accounts are inaccurately reported : XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$5100.00} XXXX, Acct # : XXXX, Date Open : XX/XX/XXXX, Balance : {$1300.00} These accounts need to be verified or removed if they can not be properly documented. 

XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX These inquiries were made without authorization and should be removed from my credit report. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed The following late payments need to be verified or removed : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I notified XXXX  that information on the Capital One account they were reporting was the result of charges incurred on the above mentioned account not authorized by myself and therefore fraudulent, inaccurate and requested its removal in accordance with federal law, on XX/XX/year>. 

I notified XXXX  that information on the Capital One account they were reporting was the result of charges incurred on the above mentioned account not authorized by myself and therefore fraudulent, inaccurate and requested its removal in accordance with federal law, on XX/XX/year>. 

I notified XXXX  that information on the Capital One account they were reporting was the result of charges incurred on the above mentioned account not authorized by myself and therefore fraudulent, inaccurate and requested its removal in accordance with federal law, on XX/XX/year>. 

XXXX XXXX XXXX is reporting incorrect information tXXXX XXXX XXXX XXXX  regarding a rental property application fee, which was {$75.00} before I withdrew said application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
After recently checking my credit report, I believe that I have been a victim of identity theft and found numerous accounts and credit inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : 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 EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate and incomplete information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate these items, which violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I request that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I am filing a complaint about an unfair and disproportionate late payment reporting by my credit card company. 

The original amount owed was only {$7.00}. After I missed the payment, the company added fees that increased the balance to more than double the original amount. I ultimately paid the full balance approximately 60 days after the due date. 

Even though the initial amount was extremely small and the account is now fully paid, the creditor reported this as a serious late payment, resulting in a XXXX drop in my credit score. I believe this reporting is unfair, disproportionate, and not consistent with the principles of fair credit reporting. 

My concerns include : Trivial Original Balance : A negative credit report for an original balance of only {$7.00} does not reasonably reflect my credit risk. Such a small initial balance should not trigger a penalty severe enough to drop my credit score by XXXX points. 

Inflated Balance Through Fees : The creditor more than doubled the balance through fees. The majority of the amount I ended up paying was not the original charge, but the fees added afterward. This feels punitive and does not align with fair consumer treatment. 

Disproportionate Credit Harm : The negative report on such a trivial balance has caused significant damage to my credit profile. This level of harm for a {$7.00} oversight is excessive and does not reasonably communicate my overall credit behavior or payment history. 

Fair Credit Reporting Act ( FCRA ) Concerns : Under the FCRA, information furnished to credit bureaus must be accurate, fair, and not misleading. Reporting a serious delinquency for a {$7.00} original balanceespecially one later paidcreates a misleading impression about my credit reliability. 

Requested Resolution : I respectfully request that the CFPB review the creditors handling of this case. I ask that the creditor : Reevaluate the fairness and proportionality of reporting such a trivial balance as a major delinquency Remove the late payment entry from all credit bureaus as a goodwill or corrective action Review their fee and reporting practices to ensure small-balance delinquencies do not cause unjustified consumer harm I have maintained a responsible payment history overall, and I believe this single, minor oversight should not create such substantial and lasting damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief