vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-11 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: Concord Servicing Corporation
State: FL

Complaint narrative:
I am disputing the reporting of late payments tied to an account that has been closed for some time. After the account was closed, I noticed that derogatory informationspecifically late paymentscontinued to appear on my credit report. This raised immediate concern, as I had fulfilled the account terms, and no new activity should have been reported after closure. 
To resolve this, I submitted several disputes directly to the credit bureaus and the original creditor, asking for a proper review and supporting documentation of the alleged delinquencies. However, instead of receiving concrete evidence or a detailed account history, I was met with generic responses that did not clarify or justify the reporting. 
It is my understanding that once an account is closed, reporting must reflect the final and accurate status as of the date of closure, in accordance with Metro 2 data furnishing standards and the Fair Credit Reporting Act ( FCRA ). Continuing to report late payments after the account has been settled or closedespecially without verificationmisrepresents my credit behavior and damages my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 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: Denali Capital Holdings, LLC
State: FL

Complaint narrative:
I discovered a charge-off account on my credit report that I believe is inaccurate and incomplete. Since noticing this, I have submitted multiple formal disputes to both the creditor/furnisher and the credit reporting agencies, requesting a thorough investigation and validation of the debt. Despite these repeated efforts, the creditor has failed to provide any substantive verification, such as the original signed contract, detailed payment history, or evidence that the debt is valid and belongs to me. 
Instead, I have only received generic or stall responses that do not address the specific issues I raised. The inaccurate charge-off status, incorrect balances, and inconsistent reporting continue to appear on my credit report, which is negatively impacting my credit score and financial opportunities. This ongoing failure to investigate and correct the errors violates my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XXXXOn XXXX XXXX, 2025 after having to change my Golden One credit union debit card several times that month, I got a call from someone pretending to be from Golden One. He got me to drain my checking and savings XXXX. They used XXXX. Golden One guarantees against fraud, but they denied my claim. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn XXXX XXXX 2025 these amounts were taken from my accounts from someone in XXXXXXXXThis person also XXXX XXXX XXXX got my bank account and XXXX XXXX  informationXXXX filed a police report with the XXXX  Police. I was not able to file with the FTC because is defunded. XXXXMy claim was denied by Golden One. XXXXThe two phone numbers that I was called from wereXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXThe withdrawals from XXXX XXXX came to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Back in XXXX had a problem with Cashapp, I already put a complaint with you'll ( XXXX ) and still they haven't resolved it. All overe a XXXX dollar transaction that my son paid a friend for chips and in the comets he put the word XXXX. They frozen the account and haven't been able to access his money since. I constantly call them and all they say is that they are working on it. It's been way to long for them to have not resolved the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.

Complaint narrative:
The company is EQUIFAX I don't know if I filled the previous questions correctly, as I am not familiar with those questions, so apologies in advance Here is what happened : I am XXXX XXXX, and I had a substantial investment ( almost XXXX ) in a government bond scheme called 'Premium Bonds '. The scheme is operated by National Savings & Investments ( NS & I ) A major breach in security occurred, releasing my personal, NS & I and banking details to the XXXX in XXXX 2025, The criminals may have sat on mine, and others data for a while before releasing it in this way. The data breach itself may have occurred earlier but only came to light when this situation unfolded.

This information was then used by criminals to modify my NS & I account, resulting in me being unable to access my own account and money.

Fortunately, the NS & I system managed to prevent the XXXX being removed, although the criminals were literally on the point of doing so, to a new stated bank account that they controlled. 

My account was then frozen, preventing me from accessing my own money, unable to receive any awards of money ( prizes in the scheme or withdraw my own funds. 

The NS & I investigation pinpointed that EQUIFAX provided the data handling services for NS & I They further identified that a data breach had taken place involving both XXXX and XXXX victims... I was ap [ parently one of millions.

My account is still frozen, and I have been unable to assist my family with money on two occasions. I am also not seeing any prizes paid to my bank. 

My health has greatly suffered. I have been diagnosed with XXXX XXXX XXXX. the potentiql loss of my life savings has put huge stress on my well-being. I am still not sleeping properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : * * Formal Complaint Inaccurate Balance Furnishing by Capital One Auto Finance To Whom It May Concern, This is a formal complaint regarding * * Capital One Auto Finances continuous furnishing of inaccurate balance information * * to the national credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). Since the repossession of my vehicle on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One has furnished a * * {$9400.00} balance * * that fails to reflect the * * {$4500.00} deduction * * resulting from auction proceeds of * * {$10000.00} * *. Despite repeated statements issued to me showing this discrepancy, they have not updated or corrected their reporting. 
Capital One is in violation of * * FCRA 623 ( a ) ( 1 ) ( A ) * * and * * 623 ( a ) ( 2 ) * * by continuing to furnish false and incomplete information. I request that the CFPB open a formal investigation into this matter and compel Capital One Auto Finance to provide verifiable documentation or remove the inaccurate tradeline in full. * * Attachments : * * - Capital One statement showing the balance discrepancy - Proof of identity and address Sincerely, * * XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Aidvantage XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Misreported Late Payments During COVID-19 Pandemic To Whom It May Concern, I am writing to formally dispute certain late payments that have been reported on my credit file by Aidvantage during the COVID-19 pandemic. These late payments appear to have been reported during a time when federal student loans were placed in administrative forbearance under the CARES Act, which was enacted in XX/XX/year> in response to the national emergency. 

As you are aware, under the CARES Act, federal student loans were automatically placed into administrative forbearance beginning XX/XX/year>, and were not to accrue interest or be considered delinquent. During this period, loan servicers were directed not to report missed payments as late to the credit bureaus. 

According to my records, the late payments reported during this time frame are in error and do not align with the federal protections extended to borrowers. I respectfully request that you review my account and remove any inaccurately reported late payments from my credit report that occurred between XX/XX/year>, and the conclusion of the forbearance period. 

These errors are having a negative impact on my credit and do not accurately reflect my payment behavior, especially considering the extraordinary circumstances of the pandemic and the federal protections that were meant to prevent exactly this kind of reporting. 

Please let me know if you need any further documentation from my side. I would appreciate your prompt attention to this matter and confirmation once the necessary corrections have been made with the credit reporting agencies. 

Thank you for your time and understanding. 

Sincerely XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report from TransUnion and discovered multiple personal information errors that are inaccurate and misleading. 

The report lists the following incorrect names that do not belong to me : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. 
My correct legal name is XXXX XXXX. 

The report also includes old and incorrect addresses, specifically : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( reported since XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are no longer valid. 

My correct and current address is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Additionally, TransUnion reports an incorrect employer ( XXXX XXXX ), which does not apply. 
My correct employer is XXXX XXXX XXXX. 

I have previously requested that TransUnion correct or delete this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), but the errors remain.

I am requesting that TransUnion immediately delete all inaccurate names, outdated addresses, and incorrect employer information, and update my credit file to reflect only my correct personal information listed above.

I am providing supporting documents verifying my identity, current address, and correct employment, and request a reinvestigation and an updated credit report once the corrections have been made.

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 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report from TransUnion and discovered multiple personal information errors that are inaccurate and misleading. 

The report lists the following incorrect names that do not belong to me : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. 
My correct legal name is XXXX XXXX. 

The report also includes old and incorrect addresses, specifically : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ( reported since XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX These addresses are no longer valid. 

My correct and current address is : XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

Additionally, TransUnion reports an incorrect employer ( XXXX XXXX ), which does not apply. 
My correct employer is XXXX XXXX XXXX. 

I have previously requested that TransUnion correct or delete this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), but the errors remain.

I am requesting that TransUnion immediately delete all inaccurate names, outdated addresses, and incorrect employer information, and update my credit file to reflect only my correct personal information listed above.

I am providing supporting documents verifying my identity, current address, and correct employment, and request a reinvestigation and an updated credit report once the corrections have been made.

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 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Regarding CFPB Ref No : XXXX, Account Ending in XXXX, I am asking for reconsideration of my complaint with American Express XXXX After my account was closed, I had no way to access it online or by phone because I no longer had the card number. The online account was locked ; you never addressed why this was in the original complaint, and decided that a person who made payments solely online could make cheque payments from a statement sent by mail. Without access, I could not make a payment from my only available bank account, and I could not mail a cheque ( again, no access ) at that time. This is why the 30-day late occurred. 

I am also very concerned that this account is showing on the credit profile of XXXX XXXX, who is a minor and should not be associated with the account or suffer any credit damage. 

I respectfully ask that the 30-day late be removed in goodwill and that all reporting connected to XXXX XXXX be taken off entirely. I believe the way American Express handled this left me without any reasonable way to pay, and it has unfairly hurt both me and a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is my second complaint lodged against American Express. Please see Complaint ID XXXX for my previous one. 

In my last complaint, I stated the following : " I am a longtime American Express customer whose XXXX accounts were unexpectedly cancelled by American Express on XX/XX/year>. American Express has offered no explanation for this unexpected cancellation. I subsequently received an email from American Express stating : To redeem your eligible earned rewards within 90 days of this email, please call XXXX. When calling this number, I was advised by XXXX agents that they would be able to reinstate my points and allow me to transfer them to transfer partners. However, each time they attempted to do so, they said the points were gone, despite the email from Amex stating I am eligible for point redemptions. In total, I had XXXX, equivalent to over {$15000.00} in airline redemption. Please note, each of these calls is recorded, and transcripts will be used in court if necessary. Furthermore, as a recent New York resident at the time of cancellation, I and Amex are bound under NYs laws. NY state law GBS Section 520E states : It shall be unlawful for any agreement between an issuer and a holder, or any rewards program, to provide for the expiration, forfeiture or cancellation of credit card points prior to the expiration of the XXXX day period set forth in subdivision XXXX of this section. By withholding my points illegally, American Express is not only breaking the laws set forth by New York, but is going against the very emails they sent to me. I am requesting the following resolution to prevent a lawsuit in New York : Returning my XXXX points. '' I have sent yet another letter to Amex 's XXXX XXXX address ( noted on the cancellation notice ) requesting these points. Receipt for this is attached. 

In their XX/XX/year> response to my CFPB complaint, American Express advised me : " You can redeem your Membership Reward points by contacting us at XXXX. '' This letter is attached. 

Let me be abundantly clear : I have already attempted this on XXXX occasions unsuccessfully. That department has expressed to me they are " unable to redeem them, '' despite still being eligible. It appears American Express is holding my miles hostage and waiting for the XXXX window for their expiration, despite my numerous attempts to redeem them. 

In your response to this complaint, I expect American Express to resolve this issue at once. Again - their previous suggestion to call the number has NOT worked, and I have the phone recordings and transcripts to prove it. 

Failure to have access to the point within 60 days of this complaint will result in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: IL

Complaint narrative:
Dear * * [ Credit Bureau Name ] * * Consumer Relations Department, This letter serves as a formal dispute regarding numerous inaccuracies, unverified accounts, and unauthorized inquiries appearing on my credit report. I have identified several entries that are either incorrect, outdated, or can not be substantiated, thereby violating my rights under the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). 

I demand a thorough and diligent reinvestigation of all disputed items. Under FCRA 611, you are mandated to conduct a reasonable reinvestigation within 30 days of receiving this notice. I expect prompt and decisive action to correct these significant errors. 

Enclosed, please find the following supporting documents to verify my identity and current address : Copy of Government ID ( 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 2025-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is furnishing false and misleading credit information regarding an alleged XXXX XXXX  account. 
XXXX is reporting a fabricated Date of Last Activity of XX/XX/year>, although there has been no verified consumer activity or contract for several years. 
This conduct constitutes re-aging in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 5 ), and the communication of false credit information in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ). 
I previously disputed this tradeline with both XXXX  and XXXX and, pursuant to FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ), requested validation : proof of ownership or assignment from XXXX XXXX, a full accounting, and verification of the alleged balance and activity date. XXXX failed to provide any competent evidence of ownership or liability yet continues to report and update the account monthly, demonstrating willful non-compliance. 
PRAs ongoing furnishing of unverifiable, inaccurate data constitutes a knowing violation of FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 2 ) ( A ) and 807 ( 8 ).

I am requesting immediate deletion of this tradeline from all consumer reporting agencies and written confirmation that XXXX has permanently ceased collection or furnishing activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for refusing to delete inaccurate personal identifying information from my credit file. Experian is reporting an incorrect version/spelling of my name that does not belong to me and is falsely attached to a collection account. 

Despite my multiple disputes and submission of valid proof of identity, Experian refuses to delete the inaccurate name " XXXX XXXX ''. They claim they can not remove it because it is attached to a collection-XXXX XXXX  XXXX XXXX which is not a valid or lawful reason to continue publishing false information about me. 

Under the Fair Credit Reporting Act ( FCRA ), Experian is required to ensure that all information in my file is accurate and verifiable. Continuing to report an incorrect name violates the following sections : 15 U.S.C. 1681e ( b ) requiring Experian to follow reasonable procedures to assure maximum possible accuracy ; and 15 U.S.C. 1681i ( a ) requiring deletion of any inaccurate or unverifiable information within 30 days of receiving a consumers dispute.

I have provided Experian with a copy of my government-issued ID and proof of address confirming the correct spelling of my name. The inaccurate name they are reporting is not associated with me, and therefore should be deleted, not corrected. Experians continued reporting of this false personal information is a direct violation of the FCRA and is causing me harm, confusion, and misidentification.

I am requesting that the CFPB investigate Experians failure to comply with the FCRA and require them to : Permanently delete the inaccurate name and any data associated with it ; Remove any linked collection or tradeline that was attached to the incorrect name ; Provide written confirmation and an updated copy of my credit report reflecting the deletion.

Experians refusal to delete clearly false personal identifying information demonstrates negligence and non-compliance with federal law. I request immediate regulatory review and enforcement 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