vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Formal Complaint & Request for Investigation Inaccurate Reporting on XXXX Account To Whom It May Concern, I am submitting this complaint regarding multiple inaccuracies being reported on my XXXX tradeline. These errors violate the Fair Credit Reporting Act ( FCRA ), specifically the requirements that all information furnished must be accurate, complete, and not misleading under FCRA 602, 607, and 623. 

Below are the issues requiring investigation and correction : 1. Conflicting Closure and Payment Dates The account lists : Closed : XX/XX/XXXX Last Payment : XX/XX/XXXX A payment can not be made on an account after the account was closed. One of these dates is inaccurate and must be corrected. 


2. Incorrect On-Time Payment Percentage My payment history is being reported as 41 % on-time, which is mathematically false. 

The payment grid clearly shows : XXXX : primarily on-time XXXX : all on-time XXXX : all on-time XXXX : limited late months The majority of the account history is on-time payments, making the 41 % figure inaccurate and misleading. Please correct this percentage to reflect the actual number of on-time payments. 


3. Reporting Activity After Closure The account is closed as of XX/XX/XXXX, yet reporting continues through XXXX. 
Closed accounts should not show new monthly activity. 

This violates FCRA accuracy requirements and must be corrected. 

4. Contradictory Payment Status Information The tradeline displays : Payment Status : No Info While simultaneously showing detailed late/derogatory marks. 

This is incomplete and inconsistent information and must be corrected. 



5. Charge-Off Coding Does Not Align With Reported Data The account is marked as a Charged Off Account, but shows : {$0.00} balance, {$0.00} past-due, No current collection activity. 

If the account is fully settled or resolved, the charge-off notation must be updated to reflect the accurate historical status without misleading implications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: AL

Complaint narrative:
please see attached documents pertaining to the XXXX  data breach

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 2025-11-16 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: LA

Complaint narrative:
I am submitting a formal complaint against TransUnion for failing to properly process an identity theft incident under FCRA 605B. I have provided valid FTC Identity Theft Reports ( FTC Report # XXXX filed XX/XX/year> and FTC Report # XXXX filed XX/XX/year> ), along with identification and supporting documents. Despite this, TransUnion continues to report fraudulent information on my credit file. 

The following items were opened or initiated without my authorization and are the result of identity theft : XXXX XXXX, XXXX fraudulent account reported with late payments XXXX  XXXX fraudulent hard inquiry dated XX/XX/year> XXXX  fraudulent hard inquiry dated XX/XX/year> Under FCRA 605B ( a ), TransUnion is legally required to block all identity-theft related information within 4 business days of receiving an identity theft report. Under 605B ( b ), TransUnion is prohibited from contacting the furnishers ( XXXX XXXX XXXX XXXX ) to verify the fraudulent accounts or inquiries once an FTC report has been submitted. 

TransUnion has ignored previous identity theft documentation and continues to publish these fraudulent items, causing credit score damage and ongoing harm. This violates FCRA 605B and 611.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
1. Account Closed Without Notice or Explanation Capital One closed my account without providing any advance notice, explanation, or adverse action notice as required under applicable consumer-protection regulations. 
I did not violate any terms of service, and I received no communication describing why my account was terminated. 
This lack of transparency has caused significant harm, including : Disruption of my credit-building plan Sudden loss of access to an active credit line Inability to obtain any account-related documentation from the bank 2. My {$1000.00} Security Deposit Has Not Been Returned This account was a secured credit card backed by my {$1000.00} security deposit. 
After the closure, Capital One has not returned my deposit, nor have they provided any timetable or confirmation of processing. 
Under standard secured-card procedures, the deposit must be refunded promptly once the account is closed and any balance is settled. Capital One has failed to do so and has not responded with any substantive update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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 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 2025-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: FL

Complaint narrative:
vehical was total loss. It was supposed to have Gap insurance on it and it did not so now in stuck with this on my credit. 
XX/XX/year> account XXXX XXXX law : code1692C and code 1681A

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MN

Complaint narrative:
I am disputing an account that this creditor claims I have with them. I currently have one active, legitimate account with this creditor. However, they are also reporting a second account in my name. 

I have repeatedly requested validation of this alleged second account, including proof that I signed up for it or agreed to any contract. Despite these requests, the creditor has failed to provide any evidence or documentation supporting the existence of this account. 

Until proper validation is provided, I dispute the accuracy of this second account and request that it be investigated and corrected.

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 2025-11-16 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: MN

Complaint narrative:
I am disputing an account that this creditor claims I have with them. I currently have one active, legitimate account with this creditor. However, they are also reporting a second account in my name. 

I have repeatedly requested validation of this alleged second account, including proof that I signed up for it or agreed to any contract. Despite these requests, the creditor has failed to provide any evidence or documentation supporting the existence of this account. 

Until proper validation is provided, I dispute the accuracy of this second account and request that it be investigated and corrected.

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 2025-11-16 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:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I am writing to formally dispute the inaccurate information being reported on my credit file under the Fair Credit Reporting Act ( XXXX ). The account listed Acima Leasing - Account number XXXX LEASE DATE : XX/XX/year> has been repeatedly marked as " verified '' without sufficient evidence to support its accuracy. 
Under the FCRA, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureau is required to conduct a reasofiable investigation into any disputed information. Furthermore, as stated in 15 U.S.C. 5 1681i ( a ) ( 2 ), if the furnisher of the disputed information ( in this case, XXXX XXXX ) can not provide verifiable proof of the debt 's accuracy, the information must be promptly deleted from my credit file. 
To date, you have failed to provide any supporting documentation, such as original account records or a signed agreement, to substantiate the legitimacy of this debt. Simply marking the account as " verified '' without adequate investigation does not meet the legal requirements of the FCRA. This negligence is a direct violation of my rights under 15 U.S.C. 1681e ( b ), which requires that you maintain accurate and verifiable information in my credit report. 
I demand the following actions be taken immediately. 
XXXX. Provide copies of all documentation used to verify this debt 's accuracy. This includes account-level data, signed agreements, and proof of ownership of the debt. 
XXXX. Remove the disputed account from my credit report if no verifiable documentation can be provided. 
XXXX. Provide me with written confirmation that this account has been deleted from my file. 
Failure to comply with this request within the legally required 30-day period will leave me no choice but to escalate this matter. I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, I reserve the right to pursue legal action for damages as outlined in 15 U.S.C. 1681n for wiliful noncompliance and 15 U.S.C. 1681o for negligent non-compliance. 
Please consider this letter as my formal demand for compliance with FCRA standards. I have attached a copy of my credit report with the disputed account highlighted for your convenience.! expect a thorough and prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-16 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: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Repossessed my car and put a balance on my credit report for the money I borrowed also sold my car. I wasn't aware of them putting it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint because Bank of America incorrectly denied my fraud dispute of {$750.00}. These transactions were not made by me. 

I am a full-time student living in XXXXXXXX XXXX and I was physically in XXXX during XXXX dates the unauthorized transactions occurred. However, the fraudulent charges were made in XXXXXXXX XXXX and XXXX, which is geographically impossible for me. The pattern of charges also clearly reflects typical fraud behavior, including multiple small test transactions followed by larger unauthorized charges, all made in locations I was not present in and at merchants I have never visited or used. 

I reported the fraud immediately, replaced my card, visited a branch, and contacted customer service. Despite this, Bank of America denied my dispute with no meaningful explanation other than stating the transactions were consistent with my spending, which is incorrect and unreasonable. 

These transactions were unauthorized, and I am requesting that CFPB require Bank of America to reopen and reinvestigate my fraud dispute, remove all fraudulent charges, restore any temporary credits that were removed, and provide a proper investigation and explanation. 

Thank you.

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 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  stated it was my account and would not remove the inaccurate information from my credit bureau. They had multiple accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  stated it was my account and would not remove the inaccurate information from my credit bureau. They had multiple accounts listed.

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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I made a dispute on a {$400.00} charge with the company XXXX XXXX XXXX because not all services has been rendered for said charge. I wasnt given a chance to submit evidence. The company sent evidence that i agreed to the charge, which didnt answer to the reason i even made the dispute. Wells fargo closed the dispute right after even though i had evidence of a recent email conversation with the company, showing that they still did not render the service atleast 7  months after the fact. I need that evidence to be reopened and considered since it supports my claim

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 2025-11-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-17 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: MN

Complaint narrative:
Summary of Issue : XXXX is reporting inaccurate, incomplete, and unverifiable information regarding my student loan account. This has negatively affected my credit file. XXXX has not complied with its required responsibilities under FCRA and Department of Education regulations.

Violations : 1. FCRA 1681e ( b ) Failure to ensure maximum possible accuracy XXXX is furnishing student loan information that is inconsistent, outdated, incomplete, and can not be verified through documentation.

2. FCRA 1681s-2 ( b ) Failure to conduct adequate investigation Upon receiving my dispute, Aidvantage did not provide : A promissory note, Payment history, Loan transfer records, Compliance documentation required by law.

Because XXXX could not verify the accuracy of the information, continued reporting is unlawful.

3. 34 C.F.R. 682.208 ( f ) Failure to update and correct credit information Federal law requires XXXX to provide timely, complete, and accurate updates to credit bureaus. XXXX has violated this rule by failing to correct erroneous reporting.

Requested Resolution : I request that the CFPB require XXXX  to : 1. Provide full verification of the loan using all required federal documentation ; 2. Remove any inaccurate or unverifiable reporting from all credit bureaus ; 3. Provide written confirmation of corrective action.

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 2025-11-17 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: MN

Complaint narrative:
Summary of Issue :  XXXX is reporting inaccurate, incomplete, and unverifiable information regarding my student loan account. This has negatively affected my credit file. XXXX has not complied with its required responsibilities under FCRA and Department of Education regulations. Violations : 1. FCRA 1681e ( b ) Failure to ensure maximum possible accuracy XXXX  is furnishing student loan information that is inconsistent, outdated, incomplete, and can not be verified through documentation. 2. FCRA 1681s-2 ( b ) Failure to conduct adequate investigation Upon receiving my dispute, XXXX  did not provide : A promissory note, Payment history, Loan transfer records, Compliance documentation required by law. Because  XXXX could not verify the accuracy of the information, continued reporting is unlawful.

3. 34 C.F.R. 682.208 ( f ) Failure to update and correct credit information Federal law requires XXXX to provide timely, complete, and accurate updates to credit bureaus. XXXX has violated this rule by failing to correct erroneous reporting.

Requested Resolution : I request that the CFPB require XXXX  to : 1. Provide full verification of the loan using all required federal documentation ; 2. Remove any inaccurate or unverifiable reporting from all credit bureaus ; 3. Provide written confirmation of corrective action.

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