vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am filing this complaint against Equifax for their continued reporting of a late payment accounts on my credit report which are, XXXX XXXX XXXX XXXX & XXXX XXXX. This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C. 1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute reinvestigation. Equifax appears to rely solely on automated systems such as XXXX rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a 'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. I am also aware that in XX/XX/year>, the CFPB sued Equifax for failing to properly investigate consumer disputes and continuing to report inaccurate data .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank
State: FL

Complaint narrative:
This letter is in response to the correspondence dated XX/XX/year> from XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX  ) regarding the above-referenced accounts. 

While XXXX claim ownership and servicing rights of alleged accounts ending in XXXX and XXXX, their response fails to provide the legally required documentation to validate the alleged debts. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), I hereby demand strict proof of the following : Full chain of title Provide complete documentation proving XXXX legally purchased these specific accounts, including the Bill of Sale and Purchase Agreement showing my name, account numbers, and balance at the time of transfer. A generic statement that accounts were acquired is insufficient. 

Original contract bearing my wet-ink signature Provide a copy of the original signed credit agreement or application proving I entered into a contractual obligation with the original creditor. Screenshots, generic terms and conditions, or billing statements do not meet the standard of validation under contract law. 

Proof of assignment rights Under the Uniform Commercial Code ( UCC 3-201, 3-203 ) and common contract law, debt can not be enforced without proof that all rights and interests were lawfully assigned to XXXX. I request the full assignment contract ( s ) between Synovus Bank, XXXX XXXX XXXX and XXXX, showing transfer of enforceable rights. 

Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) Since XXXX is reporting to the credit bureaus, furnish documentation demonstrating lawful authority to access and report my credit file. Absent proof, continued reporting constitutes a violation. 

Until such documentation is provided, XXXX and XXXX  are in violation of the FDCPA and FCRA by attempting to collect and report unverifiable debts. I further dispute that any amount is owed to XXXX, and I demand that the alleged tradelines be removed from my credit reports immediately unless proper validation is produced. 

If XXXX  fail to provide the requested documentation within the time allowed under law, I will consider this matter unresolved and pursue all remedies available, including complaints with state regulators and litigation for damages of up to {$1000.00} per violation under the FDCPA, and additional damages for FCRA violations . 

Please ensure this response and request for validation is added to the CFPB record under Case # : XXXX. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: MO

Complaint narrative:
Last year, Capital One closed my account without telling me, following a mistaken investigation into my identity. They admitted their mistake, but since the account was already closed, I didn't want to deal with them. I paid the remaining amount and thought I was done with it.

However, they charged me a few XXXX  XXXX  that they never mentioned, along with late fees, which has negatively impacted my credit score. I thought it was an error, but I've realized it has been affecting my credit for almost half a year.

I asked them to fix this, and they told me they were starting an investigation. More than a month has passed with no reply. I just called them again, and they told me I must wait. This seems like a very simple problem, and I don't understand why a long investigation is needed. I feel they aren't even looking at it. I want them fix my credit score asap.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
This is my second complaint to the CFPB regarding Bank of Americas misreporting of my account ending in XXXX. 

Bank of America continues to misreport my account in two serious ways : They report to all three credit bureaus that I make {$0.00} in monthly payments. This is false. 
They also re-report a new charge-off every month, when in reality a charge-off is a one-time event. 

My account was charged off in XX/XX/XXXX with a balance of {$2900.00}. In XX/XX/XXXX, Bank of America arranged a new $ XXXX repayment plan, which they have auto-deducted from my account every month without interruption. I have extensive proof : A XX/XX/XXXX letter from Bank of America confirming the {$50.00} plan. 
XXXXXXXX XXXX statements, mobile app screenshots, and email confirmations showing {$50.00} deducted monthly. 
Bank of America monthly statements thanking me for payments. 
Even the dispute results from XXXX XXXX XXXX XXXX show my balance going down month after month. 

Despite this, Bank of America keeps telling the bureaus I pay {$0.00}, while also re-reporting a brand-new charge-off each month. This is both inaccurate and harmful. In their CFPB response, they admitted I paid {$50.00} in XX/XX/XXXX, but ignored the other XXXX  months of {$50.00} payments. They also contradicted themselves about my charge-off balance, listing {$2200.00} in one letter ( which was my reduced balance long after charge-off ) while the actual charge-off balance was {$2900.00}. 

As of today, I have paid {$900.00} toward this account, and my current balance is {$2000.00}. This proves that payments are being made and applied, even though they are refusing to report it. 

I also disputed this account with all three credit bureaus. Despite my evidence, they sided with Bank of America and dismissed the disputes. 

This is not a misunderstanding of what a charge-off meansI fully understand my obligation to repay. I have been paying faithfully. The issue is that Bank of America is knowingly reporting false information, and the bureaus are enabling it.

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 2025-08-28 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: NV

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Leafy Financial, LLC
State: TX

Complaint narrative:
I am writing to formally dispute a credit card account that was issued in my name without my authorization. I recently became aware of this account and believe it to be a result of fraud or a clerical error. I have never applied for, authorized, or used this credit card. 
I request that you investigate this matter immediately, remove any associated charges, and ensure that this account is closed or marked as unauthorized/fraudulent on my credit report. I have attached copies of supporting documents verifying my identity and my claim of non-authorization. 
Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX TRANSUNION XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX XXXX  ACCOUNTS To Whom It May Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation 3. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA 616/617 regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX/Agent FOR : XXXX XXXXPrincipal WITHOUT RECOURSE

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reached out and filed a dispute to Experian because I need them to update my credit card account balance for XXXX  XXXX ( Account Number XXXX ). My account balance is not correct. It is reporting a balance of {$300.00}. The correct balance is {$7.00}. I'm in the midst of applying for a home and this is stopping me from moving forward. They have not updated my information upon request. They should be reporting complete and true information. This is not the first time this has happened. XXXX  and XXXX  have updated properly and show the correct account information and current amount for my 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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am reaching out to report an unauthorized inquiry on my credit report, which I believe to be fraudulent. Upon reviewing my report, I discovered an inquiry from a company I have not engaged with. I have not applied for any new credit, nor have I given consent for this company to access my information. This unexpected activity is very concerning to me, as I take my financial privacy seriously.

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 2025-08-29 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:
To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Credit Report Dispute Inaccurate Account Information Dear Credit Bureau Representative, I am writing to formally dispute multiple inaccurate entries currently listed on my credit report. After reviewing my report, I identified several accounts that are reported as open, which I believe to be inaccurate. Please investigate and update the following accounts accordingly. 

Disputed Accounts : XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open Account Type : Education Reason for Dispute : These accounts are inaccurately listed as open. I am requesting that your bureau verify each account with the original creditor and correct or update the status as needed including closing the account if it is no longer active or belongs to another party. 

As required under the Fair Credit Reporting Act ( FCRA ), please complete your investigation within XXXX  days and provide written confirmation of any actions taken.

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 2025-08-29 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: NC

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Credit Report Dispute Inaccurate Account Information Dear Credit Bureau Representative, I am writing to formally dispute multiple inaccurate entries currently listed on my credit report. After reviewing my report, I identified several accounts that are reported as open, which I believe to be inaccurate. Please investigate and update the following accounts accordingly. 

Disputed Accounts : XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open Account Type : Education Reason for Dispute : These accounts are inaccurately listed as open. I am requesting that your bureau verify each account with the original creditor and correct or update the status as needed including closing the account if it is no longer active or belongs to another party. 

As required under the Fair Credit Reporting Act ( FCRA ), please complete your investigation within XXXX  days and provide written confirmation of any actions taken.

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 2025-08-29 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:
To : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Credit Report Dispute Inaccurate Account Information Dear Credit Bureau Representative, I am writing to formally dispute multiple inaccurate entries currently listed on my credit report. After reviewing my report, I identified several accounts that are reported as open, which I believe to be inaccurate. Please investigate and update the following accounts accordingly. 

Disputed Accounts : XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open XXXX. 

Account Number : XXXX Date Opened : XX/XX/XXXX Status : Reported as Open Account Type : Education Reason for Dispute : These accounts are inaccurately listed as open. I am requesting that your bureau verify each account with the original creditor and correct or update the status as needed including closing the account if it is no longer active or belongs to another party. 

As required under the Fair Credit Reporting Act ( FCRA ), please complete your investigation within XXXX  days and provide written confirmation of any actions taken.

Company response to consumer: Closed with explanation