vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
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XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX pa, XXXX ] [ Date of XXXX ] [ Last 4 of SSN : XXXX ] [ Date ] To : [ experience ] Subject : Formal Dispute of Inaccurate Reporting Capital One Account # XXXX Dear [ cfpb ], I am writing to formally dispute the accuracy and completeness of information reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account in question is listed as : Creditor Name : Capital One Account Number : XXXX Account Type : Credit Card ( Individual ) Date Opened : XX/XX/XXXX Status : Charged off {$430.00} written off / {$430.00} past due Reported as of : XX/XX/XXXX I dispute this account in its entirety because the information being reported is inaccurate, incomplete, and unverifiable. Specifically : 1. The account is reported as charged off and still past due, which is contradictory under FCRA reporting standards a charge-off balance can not simultaneously be listed as past due.

2. The account shows multiple invalid or inconsistent reporting dates ( Invalid date entries ) in the payment history, which constitutes inaccurate data reporting under FCRA 1681s-2 ( a ) ( 1 ) ( A ).

3. The notation Account previously in dispute investigation complete, reported by data furnisher is incorrect and misleading, as I have not received proper verification or validation under FCRA 1681i ( a ). 
4. Capital Ones reported balance of {$430.00} exceeds the credit limit of {$300.00}, which raises a question of accuracy and possible data error or unauthorized charges. 

Under FCRA 1681i, you are required to conduct a reasonable reinvestigation of this information within 30 days of receiving this dispute. Please verify the accuracy of all data reported by Capital One, including : The correct date of delinquency, The accurate account status, The verified amount owed, and Proof that Capital One furnished this information with complete documentation. 

If this information can not be fully verified, please delete or correct the account from my credit report immediately, and provide me with an updated copy of my report reflecting the changes. 

Additionally, please ensure that during the reinvestigation process, this account is marked as Disputed by Consumer as required under FCRA 1681c-2.

I am enclosing copies of my identification and recent proof of address to assist you in verifying my identity.

Thank you for your prompt attention to this matter. I expect a written response within 30 days as required by law. 

Sincerely, [ XXXX XXXX XXXX ] [

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
XX/XX/year> Equifax Subject : Formal Complaint Regarding Deceptive Practices Causing Consumer Harm Dear Equifax, I am writing to bring to your attention a matter of utmost concern regarding deceptive practices. 
After reviewing my credit report, I noticed that there were inaccurate accounts and information on my consumer report. The consumer reporting agencies never gave me the right to opt out, furthermore they never asked for my permission to furnish this information. Further they have assumed this vital role and have infringed upon my right to privacy by selling my information to a 3rd party debt collector : Pursuant to 15 US Code 1681 ( 4 ) my privacy has been invaded and damage has been done.

The deceptive practices employed by the credit reporting agencies have inflicted a range of damages, creating a ripple effect across various aspects of my life. The damage that arose to my mental health : Financial losses have been incurred as inaccurate information has affected my ability to obtain credit, leading to higher interest rates and restricted access to financial opportunities. The emotional distress resulting from these inaccuracies is significant, as I the consumer grapple with the consequences of false credit reporting, affecting my ability to secure loans or housing. Moreover, the reputational harm stemming from misleading credit reporting has led to strained relationships and a diminished sense of financial security. These deceptive practices not only undermine the integrity of credit reporting but also inflict tangible and intangible damage to my consumer report.

I demand an immediate cease and desist and corrective action of any inaccurate credit reporting pertaining to my profile, in accordance with the provisions of the Fair Credit Reporting Act.

I anticipate your prompt attention to this matter and expect a comprehensive response within 15 business days of the date of this letter. Please address all correspondence related to this complaint to the email address provided above. 
Thank you for your immediate attention to this critical issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/year> : I cant access my Bank of America account, and it keeps reporting inaccurate and outdated information on my credit report. This account is from around XX/XX/year>, and should no longer be reporting. The information being reported is incorrect and is negatively impacting my credit score. Please investigate and remove or update this inaccurate reporting immediately.

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 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card account was restricted after a payment was made from another persons bank account. I no longer have contact with that person, but the payment was successfully processed and cleared, and it was never reversed or disputed. 

Capital One representatives have contacted me several times, and I have clearly explained that I no longer have any contact or relationship with the person who made the payment. Despite this, they continue to insist on verifying that individual, even though the payment was legitimate and there has been no reversal or fraud claim. 

The payment was accepted, there was no financial loss for Capital One, and no evidence of fraud exists. Keeping my account restricted under these circumstances is unreasonable and unfair, as it penalizes me for a transaction that was successfully processed and causes harm to my credit use and account access. 

I respectfully request that Capital One review my case again and lift the restriction, or at least provide a clear resolution that does not depend on verifying a third party with whom I no longer have contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I attempted several times to get my free credit report for all three major credit reporting companies Transunion, Equifax and Experion, and they are refusing to give me my reports even though I have given them proof of identity there are still requesting documents I do not have i.e bills and pay stubs etc., I have a birth certificate, state ID and social security card that's it I am also verified by ID.me for social security administration

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I attempted several times to get my free credit report for all three major credit reporting companies Transunion, Equifax and Experion, and they are refusing to give me my reports even though I have given them proof of identity there are still requesting documents I do not have i.e bills and pay stubs etc., I have a birth certificate, state ID and social security card that's it I am also verified by ID.me for social security administration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: MI

Complaint narrative:
I called self credit card depute for some charges on my credit card only to find out there were several charges so they closed that card and issued out a new card. After receiving my new card I also received letter stated they found the charges were made with my account. I stated ( Im sure but I didnt make them ), I found that strange because its a self builder card so once I compete the given about it is automatically set to deposit in my bank account. This have happened twice that they try to retrieve moneys for free with proper investment and proper credit for the return and the charges are usually rated with fees and cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX is reporting and/or attempting to collect a debt with an incorrect Date of First Delinquency XXXX XXXX  ). 

The account in question originated in XXXX, and I have bank statements from XXXX proving I continued to make regular payments well after the date they are reporting as my first delinquency. 

I formally disputed this information with XXXX XXXX XXXX XXXX several months ago and provided copies of my bank statements as proof. Their only response was sending me a copy of the original XXXX contract they did not investigate or verify my actual dispute regarding the incorrect XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), they are required to conduct a reasonable investigation and validate the accuracy of the information being reported. Their response does not fulfill that obligation and allows inaccurate data to remain on my record. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX to : XXXX. XXXX a proper investigation with the original creditor, XXXX. Provide documentation confirming the correct Date of First Delinquency, and XXXX. Correct or remove any inaccurate information from my credit report. 

I have included copies of my previous dispute correspondence, the companys response, and my XXXX bank statements showing continued payments.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> my Chime card was lost or stolen. I called Chime immediately upon noticing the card was lost or stolen on XX/XX/year>. There were unauthorized purchases on my card made between XX/XX/XXXX and XX/XX/year>. Chime refuses to refund the fraudulent charges even though the card offers XXXX XXXX XXXX. I filed a police report about the lost or stolen card and submitted to Chime. I called Chime multiple time to try to resolve this. But they refuse to refund the stolen money, claiming " no error occurred '' in denying my claim for reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this statement to formally report Equifaxs continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, Equifax has failed to remove or block the fraudulent XXXX XXXX XXXX that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c-2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
1. Statutory Damages These are automatic penalties under the law up to {$1000.00} per violation for : Failing to provide a 30-day validation notice ( FDCPA 809 ( b ) ) Reporting unverified or inaccurate information ( FCRA 623 ( a ) ( 1 ) ( A ) ) Continuing to report disputed data ( FCRA 623 ( b ) ) Misrepresenting payment history ( FDCPA 807 ( 8 ) ) If we list out each act separately ( no notice, false report, no investigation, continuing to report ), thats typically 4 separate violations, so up to {$4000.00} right there before we even touch real damages.

2. Actual ( Compensatory ) Damages You have a right to claim compensation for measurable losses directly caused by the false reporting.

Examples include : Type Description Possible Amount Business Loan Denial You were denied up to {$250000.00} in business credit full value or portion of lost access ( depends on proof ) Business Opportunity Loss Missed funding for business projects proven through denial letter or timeline Emotional Distress Anxiety, stress, lost sleep, embarrassment usually {$2000.00} {$10000.00} depending on impact Credit Card Denial Specific denial letter referencing your credit report $ XXXX per occurrence T

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: CA

Complaint narrative:
XXXX XXXX  XXXX : Credit Reporting Department [ Insert Chases Address if available ] Subject : Formal Dispute of Unverified Credit Account FCRA Violation To Whom It May Concern, I am writing to formally dispute the continued reporting of a credit account under my name that XXXX XXXX  has failed to verify in accordance with the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation and removal, this account remains on my credit report without proper documentation or proof of accuracy. 
Under Section 611 of the FCRA, I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I previously requested that XXXX XXXX  provide documentation substantiating this account. To date, you have failed to provide such proof, and the account continues to be reported inaccurately. 
I demand that XXXX XXXX  immediately : XXXX. Cease reporting this account to all credit bureaus until verification is complete. 
XXXX. Provide full documentation proving the validity of this account. 
XXXX. Remove the account from my credit report if verification can not be provided. 
Failure to comply with these requests may constitute a willful violation of the FCRA, and I reserve the right to pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages through civil litigation. 
Please respond within 15 days of receipt of this letter. I expect written confirmation of your actions regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX  Attn : Credit Reporting Department [ Insert XXXX  Address if available ] Subject : Formal Dispute of Unverified Credit Account FCRA Violation To Whom It May Concern, I am writing to formally dispute the continued reporting of a credit account under my name that XXXX XXXX  has failed to verify in accordance with the Fair Credit Reporting Act ( FCRA ). Despite multiple requests for validation and removal, this account remains on my credit report without proper documentation or proof of accuracy.

Under Section 611 of the FCRA, I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. I previously
requested that XXXX XXXX  provide documentation substantiating this account. To date, you have failed to provide such proof, and the account continues to be reported inaccurately. 
I demand that XXXX XXXX immediately : 1. Cease reporting this account to all credit bureaus until verification is complete.

2. Provide full documentation proving the validity of this account.

3. Remove the account from my credit report if verification can not be provided.

Failure to comply with these requests may constitute a willful violation of the FCRA, and I reserve the right to pursue legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages through civil litigation.

Please respond within 15 days of receipt of this letter. I expect written confirmation of your actions regarding this matter.

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