vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
I am submitting this complaint because Equifax continues to report two charge-off accounts on my credit report that I believe are either inaccurate or unverifiable under the legal standards required by the Fair Credit Reporting Act ( FCRA ). The two accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported as a charge-off dated XX/XX/XXXX for {$8000.00}, and XXXX with account number XXXXXXXX XXXX XXXX XXXX XXXX  reported as a charge-off dated XX/XX/XXXX for {$9800.00}. 

Ive raised disputes with Equifax on these accounts and explicitly requested documentation to support their continued reporting. Despite my efforts, Equifax simply verified them without providing the underlying documentation used to reach that conclusion. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is legally required to conduct a reasonable reinvestigation when a consumer notifies them of a dispute. However, no meaningful reinvestigation seems to have taken place. Instead, I was met with a vague response that failed to explain what data was reviewed or how Equifax ensured its accuracy. 

Moreover, 15 U.S.C. 1681e ( b ) obligates Equifax to ensure that all information it furnishes is reported with maximum possible accuracy. Simply maintaining a charge-off entry without verifying the complete history and legitimacy of that debt especially years after the fact is not consistent with that duty. If the data furnisher can not provide the original account documentation, including the complete payment history and the basis for the charge-off status, then Equifax can not legally justify continuing to report these accounts. 

The continued reporting of these derogatory entries has had a devastating effect on my financial well-being. My credit score has been severely impacted, making it difficult to obtain housing, qualify for affordable credit, or secure favorable interest rates. This isnt just about numbers on a page this has affected my real life, my peace of mind, and my ability to provide for myself and my family. These inaccuracies have caused me stress, embarrassment, and anxiety every time Ive been turned down or questioned due to what appears on my report. 

Given that Equifax has previously removed accounts under similar circumstances when no documentation could be provided, it is deeply frustrating to see that no such diligence was exercised here. This discrepancy points to a systemic failure to apply FCRA standards consistently, further highlighting the need for oversight and regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I deposited XXXX $ and then was charged two account recovery charges for XXXX $ that make no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Formal Dispute of Charged-Off Account Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the information being reported regarding the above-referenced charged-off account with Capital One, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
The information being reported on my credit file appears to be inaccurate, incomplete, and possibly unverifiable, particularly concerning : The outstanding balance The date of first delinquency The charge-off amount The payment history Whether the debt is actually owed by me My Requests Under the Law : Pursuant to 15 U.S.C. 1681i ( a ) of the FCRA, I formally request that Capital One : Conduct a reasonable reinvestigation of this account, including verifying all information being reported to credit bureaus. 


Provide documented proof that I legally owe this debt, including : A full accounting of the original debt and all charges applied. 


A copy of the original signed contract or agreement. 


A breakdown of how the charge-off amount was calculated. 


Details on the date of first delinquency and how it aligns with credit reporting limits ( typically 7 years under 1681c ).

If you can not validate the accuracy of this information, I demand that you remove or correct all related entries from my credit reports with XXXX XXXX XXXX XXXX in compliance with 15 U.S.C. 1681s-2 ( b ).

Further, if this account has been sold or assigned to any third-party debt collector, please provide : The name and contact information of the current owner of the debt ; The date the account was sold or assigned ; Proof that Capital One had the legal right to transfer the debt. 


Until this matter is resolved and properly verified, please mark this account as in dispute on all credit bureau reports in accordance with 15 U.S.C. 1681i ( c ).

Failure to comply with these requirements may result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to pursue legal action for violations of federal consumer laws. 
I appreciate your prompt attention to this matter. Please respond in writing within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Towards the end ( XX/XX/XXXX ) of XXXX XXXXr XXXX repayment plan XXXX XXXX ( car loan ) updated the credit bureau agencies with information reporting me as 180 days past from XX/XX/XXXX- XX/XX/XXXX. Until later I was unaware that XXXX  was reporting me as past due as I had been paying through the XXXX XXXX repayment plan and neither XXXX nor my Trustee notified me that there was an issue and certainly not an issue all the way back to XX/XX/XXXX. My Trustee is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX. I sent a certified letter to XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX and it was received and signed for on XX/XX/XXXX. It's been over two months, and they have not provided a response. Through the XXXX XXXX XXXXepayment plan I paid off the loan before discharge on XX/XX/XXXX. I understood my obligation was to pay it off by the end of the XXXX XXXX  repayment period and I met that obligation. I had no bills/invoices and no way of knowing that they considered me past due ; therefore, how was I supposed to resolve the issue if I didn't even know it existed because no one notified me there was an 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 2025-07-11 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-11 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
RE : Request to Delete Inaccurate Late Payments or Entire Account Account # XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my credit file related to the following account : Lender : XXXX XXXX Auto Account Number : XXXX I previously submitted a verification request to the furnisher, XXXX XXXX XXXX, regarding late payments on this account. Their response admitted that they can not verify whether the required Right to Cure notices were ever received, nor did they provide any certified proof of such notification, as required under the Fair Credit Reporting Act ( FCRA ). 
Since the information being reported is not verifiable, it is inaccurate and incomplete under Section 611 of the FCRA. I am requesting the immediate removal of all late payments associated with this account from my credit report. 

If the furnisher can not verify and correct the inaccurate information, I am formally requesting the complete deletion of this account from my credit report in accordance with the FCRAs accuracy requirements. 
Please investigate this matter and provide written confirmation of the outcome. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 non-monetary relief
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

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 2025-07-11 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
XX/XX/XXXX made a payment of {$2500.00} to mortgage company for XX/XX/XXXX {$810.00} of that payment was applied to XX/XX/XXXX statement interest although XXXX interest has not accrued yet. 
XX/XX/XXXX made multiple calls to servicing company to have the payment reapplied to principal.

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 2025-07-11 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: AZ

Complaint narrative:
I am writing to formally dispute the inclusion of the following inaccurate and unauthorized accounts on my credit report I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ). You are legally obligated to conduct a reasonable and timely investigation into this matter. If you can not verify the accuracy of this account within 30 days, it must be deleted immediately from my credit file. 

Failure to comply with these requirements will leave me no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. I am also prepared to pursue legal action for negligence and failure to correct known inaccuracies, which can include statutory damages, legal fees, and other costs. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I filed a claim under the Auto Rental Collision Damage Waiver benefit associated with my Capital One credit card for damage that occurred to a rental vehicle on XX/XX/year>. Unfortunately, I did not receive the damage assessment or repair estimate from the rental agency ( XXXX ) until XX/XX/year>. As soon as I received the documentation, I submitted my claim the very next day, on XX/XX/year>. 

My claim was denied solely because it was filed outside the 45-day notification window. However, the delay was entirely due to the rental agencys slow response not due to any negligence or delay on my part. I acted promptly and in good faith once I had the required information. 

In the appeal denial, I was advised that I should have notified the Benefit Administrator of the potential damage, even without any supporting documentation. This expectation is both impractical and inconsistent with standard insurance protocols, which rely on documented evidence to substantiate claims. Requiring notification without any factual basis or proof creates unnecessary confusion and is not a reasonable standard for consumers. 

This denial feels procedurally rigid and unfair, especially when I complied immediately once I had the means to do so. I am requesting that this claim be approved or re-evaluated with full consideration of the third-party delay and my timely actions once I was able to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against PenFed Credit Union regarding a serious and ongoing issue involving the fraudulent and unjustified holding of funds that were legally deposited into my account.

On or around XXXX XXXX I deposited a check in the amount of {$4900.00} into my personal account with PenFed. The check was written to XXXX XXXX a business registered in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As the owner of the business and endorser of the check, I legally deposited it into my personal account, which I am entitled to do under applicable banking and commercial laws. 

The check was issued bXXXX XXXX XXXX XXXXa legitimate and operating businessand was signed appropriately. Despite the fact that the check has already cleared, PenFed continues to withhold the funds and has failed to release them into my account.

Even more concerning is PenFeds refusal to take the most basic and logical steps to resolve the issue : They refuse to contact the issuer of the check ( XXXX XXXX XXXX XXXX 
They also refuse to reach out to the issuing bank to verify the legitimacy of the fundseven though the check has already been cleared. 

Instead, PenFed is demanding personal information about the business that issued the checkinformation that I, as the recipient and not the issuer, have no obligation or reasonable ability to provide. 

This situation is not only unreasonable, but I believe it also constitutes bad faith banking practices and potential fraud on the part of PenFed for holding cleared funds without justification or legal authority. It has caused me significant financial harm, delays to my business operations, and undue stress. 

Summary of Key Points : Check for {$4900.00} made payable to my business ( XXXX XXXX  ) was endorsed by me and deposited into my personal PenFed account. 
XXXX has held the funds since XX/XX/year>, despite the check having cleared. 
The check was issued by a valid business ( XXXX XXXX XXXX ). 
PenFed has refused to verify the check through the issuing bank or contact the check issuer. 
Instead, they are improperly demanding private business information from me about the check issuer. 
This has caused material harm to my personal and business financial standing. 

I respectfully request that the CFPB immediately investigate this matter and compel PenFed to release the cleared funds without further delay. Their actions are unjust, potentially unlawful, and detrimental to both my personal finances and my ability to operate my business effectively. 

Thank you for your time and attention to this urgent matter. I am available to provide any further documentation or information required to support this complaint.

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 monetary relief