vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting a goodwill adjustment for a XXXX late payment reported on my Capital One credit card account ( ending in XXXX ). I am a co-applicant on the account, which is shared with my mother, and the missed payment was a one-time, unintentional oversight. As soon as I became aware of the issue, we paid the full balance immediately and the account has remained in good standing with a {$0.00} balance. 

I have been a Capital One customer since XXXX, with multiple accounts in good standing and no prior late payments. I mailed certified goodwill request letters on XX/XX/XXXX, XXXX to the XXXX XXXX department, XXXX XXXX, and the Office of the CEO. Capital One confirmed receipt of my letters and confirmed in writing that I am a co-applicant on the account. 

I received a phone call from a Capital One representative declining the goodwill adjustment despite the account being paid in full, the isolated nature of the incident, and the fact that it is negatively affecting my ability to secure an XXXX loan and assist my daughter with a vehicle lease. These are significant, time-sensitive events for my family. 

I am not disputing that the late payment occurred. I am simply asking for a one-time goodwill adjustment in light of my XXXX years of customer loyalty, my otherwise perfect payment history, and the immediate resolution of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
I have disputed a USAAXX/XX/XXXX account ( XXXX ) twice with XX/XX/XXXX, yet inaccurate and misleading information remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). Despite XXXX reinvestigations, XX/XX/XXXXcontinues to verify false data that damages my creditworthiness. 

Illegal Re-Aging FCRA XXXX ( c ) : My report shows the account as past due as of XX/XX/XXXX, even though the first delinquency occurred in XXXX. This artificially extends the reporting period, causing the account to remain on file until XX/XX/XXXX instead of XX/XX/XXXXyears from the actual Date of First Delinquency. 

False Reporting After Charge-Off FCRA XXXX ( a ) ( XXXX ) ( A ) : The account was charged off in XX/XX/XXXX, yet XX/XX/XXXXcontinues to add new late payment notations ( CO ) for every month through XX/XX/XXXX. A charged-off account can not accrue new delinquencies once closed, making this reporting factually impossible and misleading. 

Inconsistent XXXX XXXX FCRA XXXX ( a ) : A {$250.00} payment in XX/XX/XXXX lowered the balance to {$840.00}, but the charge-off balance later increased to {$1000.00} with no new activity or charges. This is mathematically impossible and demonstrates that the information furnished can not be verified as accurate. 

After my disputes, my XXXX XXXX increased from XXXX to XXXX, proving XX/XX/XXXXpreviously reported inaccurate data. Their own report states that this account was updated from our processing of your dispute in XX/XX/XXXX, meaning they altered the data but failed to fully correct or delete it. These errors remain unresolved, showing XX/XX/XXXXdid not conduct a lawful, reasonable reinvestigation under 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 explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of account below has violated. My Federally protected sonsumer rights to privacy and confidentiality Under 15 U.S.C. 1681 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX  XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # 194599 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. Section 604 A-Section 2 : It also states a consumer reporting agency can not Furnish an account without my written instructions.

15 U.S.C. 1681C. ( A ) ( 5 ) Section states : No Consumer reporting agency may make any Following items of information. Any other than records of Convictions of crimes with antedates the report by more than seven years...

15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not Furnish any information relating to a 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 explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: DC

Complaint narrative:
Complaint : I am filing this complaint against XXXX XXXX XXXX XXXX for XXXX reporting of derogatory credit information without providing lawful verification, despite multiple certified disputes. 

I have disputed this tradeline multiple times via certified mail ( tracking numbers available ) for account ending XXXX, which appears on my XXXX XXXX XXXX XXXX credit reports as an XXXX XXXX XXXX account. 

On XX/XX/year>, Discover admitted to prior reporting errors on this account and issued a formal apology with compensation for inaccurate reporting. 

On XX/XX/year>, I sent a final demand letter requiring Discover to provide documentation substantiating the tradeline, including : Original signed loan agreement or contract Complete payment history and delinquency records Internal records supporting charge-off status and date Proof of assignment, transfer, or sale, if applicable Despite these certified disputes, Discover has not provided a single document to verify the debt. 

Instead, on XX/XX/year>, XXXX  updated this tradeline to read : Comment XXXX : PAID CHARGE-OFF Comment XXXX : ACCOUNT PREVIOUSLY IN DISPUTE - NOW RESOLVED BY DATA FURNISHER This is not a resolution under the FCRA ( XXXX U.S.C. XXXX and XXXX ( b ) ) because : No documentary evidence was provided to me. 

The furnisher continues to report derogatory data that can not be verified. 

The tradeline remains harmful to my XXXX XXXX even though marked paid. 

This behavior constitutes : Violation of FCRA XXXX ( a ) : Failure to conduct a reasonable reinvestigation and provide verification or deletion within XXXX  days. 

Violation of FCRA XXXX ( b ) : Furnishers duty to investigate disputes and ensure accuracy of data supplied to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: TX

Complaint narrative:
Since XXXX, the same requests have been made. The XXXX credit reporting agencies have failed to respond and have been financially XXXX  me since and violating my rights as a consumer based on the consumer laws in place to protect me. I am enclosing a letter to better explain my position and my need to have this info removed 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 2025-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
Im reporting Rent Recovery Solutions for failing to provide access to resolution regarding a rental debt connected to XXXX XXXX XXXX  in XXXX, NC. 

I have made multiple good-faith attempts to resolve the account : On XX/XX/year>, I called and left a detailed voicemail requesting a conversation with a supervisor to discuss settlement and deletion options. 

On XX/XX/year>, I called again, was transferred to a supervisor 's voicemail, and left another detailed message. 

On XX/XX/year>, I spoke with a representative named XXXX XXXX, who stated that her supervisor would not be able to negotiate a settlement. When I requested to speak with someone authorized to do so, I was transferred to voicemail again. I left a third message and documented the call. 


The original creditor confirmed that the account is now fully managed by Rent Recovery Solutions. Despite repeated and well-documented efforts on my part, no representative has returned my calls, offered settlement terms, or provided written documentation validating the balance. 

I am not disputing the existence of the debt I am seeking to resolve it responsibly and reasonably. However, Rent Recovery Solutions repeated refusal to engage, lack of transparency, and denial of communication channels violates fair collection practices under the FDCPA and obstructs any resolution path.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: IL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am writing to file a formal dispute against Santander XXXX  XXXX  regarding my auto loan account. Since XX/XX/year>, I have been unable to make payments through my Santander online account or mobile app, as declining to my payments are declining without any clear explanation. 

Despite my inability to make payments due to this restrictionwhich is entirely outside of my controlSantander has continued to apply interest charges to my loan. This is both unreasonable and unjust, as I am being penalized for a situation caused by XXXX own system or administrative actions. 

Additionally, I had a phone call with a Santander XXXX on XX/XX/year>, at XXXX AM, which lasted XXXX minutes and XXXX seconds, where I clearly explained this issue and requested assistance. I am formally requesting that the Consumer Financial Protection Bureau obtain and review the transcript or recording of this call, as it contains critical evidence of my good-faith efforts to resolve this matter directly with Santander. 

I respectfully ask the CFPB to investigate the following : Why were my payments blocked starting XX/XX/year>? 
Why is interest continues to be applied while I am unable to make payments? 
A full review of the XX/XX/XXXX call with the Santander XXXX. 
A resolution that includes reversing any interest or penalties accrued due to XXXX system restriction and restoring my ability to make payments promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
XXXX  CFPB Complaint Statement\n\nOn XXXX XXXX XXXX I sent a certified XXXX  XXXX Letter to XXXX XXXX XXXX XXXX  under XXXX  U.S.C.  XXXX. USPS Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX confirms delivery on XXXX XXXX XXXX. The letter asked for:XXXX. A copy of the original signed agreement or application, clearly showing your signature.\XXXX. Complete documentation outlining every entity that has purchased, transferred, or sold the debt, clearly identifying each transaction.\XXXX. Full itemized statements from the original creditor detailing charges, interest, payments, adjustments, and fees made by both myself and the original creditor from inception to present.\XXXX. Proof that you have legal authority to collect this debt, including documentation showing transfer of ownership from the original creditor.\XXXX. Copies of all correspondence between you and the original creditor related to the debt.\XXXX. A copy of the original written notice declaring the debt in default or charged-off, including date sent.\XXXX. Verification that the statute of limitations on the debt has not expired, based on your states laws.\XXXX. Verification that the collection agency and current creditor are licensed and authorized to operate and collect debts in your jurisdiction.\XXXX. A notarized affidavit by a qualified representative stating the debt is valid, accurate, and legally collectible, based on personal knowledge.\XXXX. Evidence confirming that the account information currently being reported to XXXX XXXX  matches exactly with the creditors internal records.\XXXX. Documentation showing whether the original creditor received any XXXX XXXX or insurance reimbursements related to this debt, potentially impacting the validity or enforceability of the balance claimed.\n\nThe company never responded.\n\nInstead, on XXXX XXXX XXXX, it reported the alleged debt to XXXX XXXX XXXX XXXX This new collection entry lowered my credit scores.\n\nReporting a disputed debt without first providing validation violates XXXX  U.S.C.  XXXX(b) and XXXX  U.S.C.  XXXX-XXXX(a)(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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report XXXX  " XXXX  '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly XXXX XXXX. XXXX ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and XXXX hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed an account with Experian ( XXXX BANK XXXX ) for multiple inaccuracies. Despite clear inconsistencies between Experian and XXXX  ( see attached ), Experian chose to update the account with additional derogatory remarks instead of properly verifying or deleting the item. I provided evidence in my dispute, and Experian failed to comply with the FCRA XXXX ( b ) and XXXX. I am requesting immediate deletion of this account due to unverifiable and inconsistent data, and am seeking CFPB assistance.

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 2025-08-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant XXXX XXXX XXXX XXXX as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2025-08-04 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: FL

Complaint narrative:
i obtabained a copy of my credit report from equifax, experian and transunion and the following inquiries where on my account without my authorization. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these inquries i know to be in accurate

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