vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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 filing this complaint against Equifax for their continued reporting of late payment account on my credit report which are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 furnishers nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. 
Equifax appears to rely solely on automated systems such as e-OSCAR 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>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements .. 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 2025-08-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am writing to formally lodge a complaint regarding the recent developments surrounding Capital Ones savings accounts, specifically in relation to the ongoing lawsuit and its implications for account holders such as myself.

As a long-time customer of Capital One, I have consistently entrusted the bank with my financial assets. However, I was recently made aware of the legal actions surrounding the handling of savings accounts and the issues related to improper interest calculations, fees, or other discrepancies. This situation has caused significant distress and concern for me, as I rely on the accuracy and integrity of my bank 's services to manage my savings.

While I fully understand that legal issues may arise from time to time in the financial industry, I find myself deeply troubled by the fact that Capital One has not proactively communicated with its account holders regarding the details of the lawsuit and how it may affect them. As a customer, I feel that I have the right to know whether my accounts may have been impacted by these issues, whether through loss of interest, improper charges, or other financial mismanagement.

I am requesting the following actions to be taken : Full Transparency : A clear, detailed explanation of how this lawsuit could affect my savings account, including any actions that I may need to take to protect my funds.

Reimbursement : If any discrepancies or errors have occurred in relation to my account due to the issues raised in the lawsuit, I request an immediate reimbursement of any affected amounts.

Improved Communication : Moving forward, I expect Capital One to maintain clear and open communication with its customers, especially when legal matters such as this arise, so that we can be informed and take necessary precautions.

Assurance of Resolution : I seek a written commitment that Capital One will take all necessary steps to resolve these issues, including reviewing all affected accounts and ensuring that proper interest rates, fees, and policies are being applied.

As a loyal customer, I expect better transparency and customer service in light of these circumstances. I look forward to a prompt response to my concerns. Should I not receive a satisfactory resolution, I will consider pursuing further actions, including filing a formal complaint with regulatory agencies and seeking legal counsel.

Thank you for your attention to this matter. I hope to resolve this issue in a timely and amicable manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diaz & Associates, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I discovered a debt collection account from Diaz & Associates , Inc. on my credit report in the amount of {$290.00}, allegedly owed to XXXX. I do not recognize this debt and have never received proper validation. 

On XX/XX/year>, I mailed Diaz & Associates a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). They have not provided sufficient documentation proving I owe this debt or that they have the legal right to collect it. Despite this, they continue to report the account to the credit bureaus, which is harming my credit. 

I dispute the validity of this debt in its entirety and request that Diaz & Associates either provide full validationincluding proof of ownership of the debt, an itemized accounting of the balance from the original {$190.00}, and the original signed agreementor immediately remove the account from all credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Talked to the escalation department about my account being 33 days past due and they assured me that my account was current without any late inquiries to credit bureaus. All my payments were being rejected electronically which what caused the discrepancy. As an result, I never knew the account was in a late status.

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 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I Has los. {$500.00} on BANK OF AMERICA BUT IT ALWAYS report AND i can't GET loan BCS score 2, i don't have credit My SS IS NEW I DOBT HAVE CHANCE TO GET GOOD CREDIT IT US WRONG CANT YOU PUT LOW CREDIT BCS BANK LOAN AM PAYING AM NEED WE ARE INFLATION NO EVERYBODY IS RICH DON'T CARE ABOUT CREDIT NO COMPANIES GIVE CHANCE BCS NO RECORD, IT SOUNDS CRAZY AM PAYING THE SCIRE IS PROBLEMD FIR PROPLE IT STOP TO GROW AND GET HELP DO YOU THINGS ITS RIGHT? DOESN'T HELP TO PEOPLE PLEASE FIX I CANT STOP BCS SCORE IRS AFFECTING ME

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 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent account from my credit report, as required by law. Specifically, the accounts in question include XXXXXXXX XXXX XXXX XXXX XXXX XXXX confirmed would be removed but remains on my report ; It is an identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting account without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCredence Resource Management (Credence RM)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Alleged Debt  AccounXXXX XXXX  | Amount: XXXXPursuant to 15 U.S.C. 1692g\nTo Whom It May Concern,\nI am formally disputing the alleged debt referenced above. You claim I owe XXXX  under account XXXX. This debt is not recognized, and I am demanding full validation pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g).\nYou are hereby notified:\nAll collection activity must cease immediately until proper validation is provided.\nYou must supply:\nA copy of the original signed contract/agreement establishing a legal obligation to pay.\nA full itemized accounting of the alleged balance, including all fees, interest, and charges.\nProof of your legal authority and ownership to collect on this account (chain of title, assignment agreements, bill of sale, etc.).\nVerification that this account is not past the statute of limitations for collection in my state.\nLet me be clear: a bill or statement is not validation. A bill is not validation under federal law. Courts have consistently held that mere billing records do not satisfy the debt collectors obligation to provide full verification.\nIf you cannot produce the required documentation within 30 days, you must:\nDelete this account XXXX from all credit bureau reporting (XXXX XXXX XXXX).\nCease all collection attempts permanently.\nUnderstand that continued violations will result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my State Attorney Generals Office, in addition to potential civil litigation for damages under 15 U.S.C. 1692k.\nThis is a legal demand  not a request. Govern yourselves accordingly.\nSincerely,XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXTo:\nJefferson Capital Systems, LLC (JEFFCAPSYS)\XXXX XXXX XXXX XXXX  MN XXXXRe: Formal Dispute of Alleged Debt  Account XXXX  | Amount: XXXXPursuant to 15 U.S.C. 1692g\nTo Whom It May Concern,\nI am formally disputing the alleged debt referenced above. You claim I owe XXXX under account XXXX This debt is not recognized, and I am demanding full validation pursuant to the Fair Debt Collection Practices Act (15 U.S.C. 1692g).\nYou are hereby notified:\nAll collection activity must cease immediately until proper validation is provided.\nYou must supply:\nA copy of the original signed contract/agreement establishing a legal obligation to pay.\nA full itemized accounting of the alleged balance, including all fees, interest, and charges.\nProof of your legal authority and ownership to collect on this account (chain of title, assignment agreements, bill of sale, etc.).\nVerification that this account is not past the statute of limitations for collection in my state.\nLet me be clear: a bill or statement is not validation. A bill is not validation under federal law. Courts have consistently held that mere billing records do not satisfy the debt collectors obligation to provide full verification.\nIf you cannot produce the required documentation within 30 days, you must:\nDelete this account (XXXX from all credit bureau reporting XXXX XXXX XXXX.\nCease all collection attempts permanently.\nUnderstand that continued violations will result in complaints being filed with the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and my State Attorney Generals Office, in addition to potential civil litigation for damages under 15 U.S.C. 1692k.\nThis is a legal demand  not a request. Govern yourselves accordingly.\nSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/year>, I experienced a billing issue with my Bank of America credit card account. I use my external banks bill pay service and mistakenly believed my XXXX payment had already been scheduled. When I realized the oversight, I immediately made a {$3200.00} payment on XX/XX/year>, XXXX day after the due date. 

On XX/XX/year>, I opened a Case with BOFA and was repeatedly told over several calls that the late mark would be corrected and reported to all credit bureaus. On XX/XX/year>, I received an autogenerated denial letter stating the delinquency would remain, which contradicted everything BOFA agents had assured me. 

On XX/XX/year>, I confirmed with XXXX  that BOFA never submitted any correction at all. I have never had any prior late payments, I acted in good faith, and I even requested a goodwill adjustment but BOFA provided misleading information for weeks and failed to resolve the matter.

Because of this, my FICO score dropped by over XXXX points ( from XXXX to XXXX ), causing serious financial harm. Im requesting the CFPB investigate BOFAs handling of my dispute and require them to correct my account history and remove the inaccurate 30-day late mark.

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 2025-08-25 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX opened fraudulently and are the result of identity theft. I provided Equifax with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Equifax failed to block the fraudulent information within four business days, as required by law.

Furthermore, Equifax has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the 30-day statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Equifax has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
As of XXXX, I XXXX XXXX recently discovered documented information which suggests that XXXX  XXXX is not the lawful owner of the following accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX reporting on my consumer profile with Experian. Based on 15 USC 1681 ( 1 ) : The banking system is dependent upon fair and accuratecreditreporting. Inaccuratecreditreports directly impair the efficiency of the banking system, and unfaircreditreporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Please provide the following documentation to prove that XXXX XXXX is the lawful owner of the listed accounts : 1. Show proof of a XXXXXXXX XXXX XXXX XXXX a condition required for a valid contract for accounts above. 
2. Please provide proof of the Valuable Consideration XXXX XXXX provided. 
3. Please provide the XXXX XXXX showing all debits and credits from the initiation of the accounts and include full accounting. Please note, do not send loan statements.

4. Signed contracts by both parties which includes my autograph.

5. Please provide documentation showing all assignments, transfers and all endorsements showing the legal standing and lawful custody of the instruments relating to the above listed accounts.

6. Please provide proof to illustrate if the accounts are held by a private trust, public liability or otherwise.

7. Were the original loan instruments used as a collateral under any agreement?

8. Were the loans Securitized at any time?

9. Who is the holder in due course?

10. Please provide territorial jurisdiction that proves XXXX XXXX has authority to conduct financial business with an American.

11. Was the promissory note deposited? 
An authentic response will prove the lawful owner of the debt. However, if it can not be proved that XXXX XXXX is the lawful owner of the listed accounts then they must be removed from my consumer profile. The inaccurate reporting have caused both my family and myself harm. discrimination, duress, mental anguish and pain. : 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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i asked for a loan on XX/XX/XXXX with syncrony bank to buy a car with XXXX. they loaned me XXXX dollars and so as not to pay interest money i decided to pay the total sum. i don't know what happened but the total sum was not payed and as of today i noticed that they had charged me more than XXXX dollars in interest fees. 

Out of the XXXX dollars the system says i only payed around XXXX and the total sum that was left was more than XXXX dollars. the XXXX years had passed this XXXX of XXXX but i did not know i owed that amount and apart from the XXXX dollars they penalized me with more than XXXX dollars in interest fees.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
The Acima account has been reporting on my credit for over 7 years. That account was paid and closed, over 7 years ago. It shows as a potentially negative item on my credit, and has reached the 7 year limit to remain on my credit. Please remove this from credit.

Company response to consumer: Closed with explanation