vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
In XX/XX/XXXX, I opened a credit card account with Capital One. The account was closed in XX/XX/XXXX. During that period, I experienced a serious financial hardship due to personal and medical circumstances that significantly impacted my income and stability. Despite these challenges, I took responsibility and made three payments toward the account balance : {$79.00} on XX/XX/XXXX {$79.00} on XX/XX/XXXX {$150.00} on XX/XX/XXXX These payments totaled {$310.00}. Despite this, Capital One reported the account to the credit bureaus as Paid in settlement with {$470.00} written off on XXXX, and as Profit and loss write-off with a {$150.00} balance owed on XXXX These remarks are inconsistent, misleading, and do not accurately reflect my efforts to responsibly address the balance. 

Additionally, this account was never placed with a third-party collection agency and was not sold. Yet it is being reported as a charge-off with derogatory language that negatively impacts my credit history. I contacted Capital One and was told that some remarks had been corrected, yet the status remains derogatory and conflicting across bureaus. 

I respectfully request that this account be reviewed and corrected. The charge-off and settlement status are not accurate based on the payments made and the nature of the account closure. I also ask that consideration be given to the financial hardship I was experiencing at the time, and that the negative impact on my credit be remedied to reflect a more fair and factual record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I signed up with this company using my name and email and was charged accordingly for their services. I am the rightful account holder. At one point, I lost access to my account and immediately contacted the company for clarification. I requested details including : billing history, terms of service, and any correspondence connected to my account or email. I was either ignored or given vague responses. 

On XX/XX/year>, I submitted a formal complaint. Instead of addressing my request, the company claimed I was not a customer or authorized on the accountthis is completely false. I used my legal name and direct email to open the account and pay for the service. 

The companys refusal to provide information while simultaneously charging me, and then denying Im a customer, is deeply concerning and misleading. I believe this is a willful attempt to avoid responsibility. 

This conduct is unacceptable and violates basic consumer rights. If this issue is not resolved appropriately, I will pursue further action. I am requesting that the company acknowledge me as the rightful customer, provide all documentation I requested, and correct any false statements made in response to my previous complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LEXISNEXIS
State: GA

Complaint narrative:
LexisNexis is sharing my information, and I have asked to be opted out of their system. XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX. They have no right to my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AR

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Prosper Marketplace, Inc.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek assistance regarding an ongoing issue with my Prosper credit card that has proven difficult to resolve directly with the company. 

On XX/XX/year>, I made a payment of {$1100.00} to a merchant for services that were not fully completed. After noticing this discrepancy, I attempted to resolve the matter directly with the merchant, but my efforts were unsuccessful. Consequently, I reached out to Prospers customer support to dispute a partial amount of {$790.00} for the incomplete services.

I must express my concern about the lack of effective customer assistance from Prosper. After approximately ten attempts to reach their support team, I finally managed to speak with a representative. They assured me that my dispute was opened and that I would receive a temporary credit while the matter was being investigated. However, weeks have passed, and I have received no updates regarding the status of my dispute or the temporary credit.

Additionally, I encountered issues when trying to communicate with Prosper via email. The email address they provided appears to be invalid, as my messages have all bounced back. This lack of communication has added to my frustration. 

About a week ago, I received a phone call from Prosper, during which the representative asked me to submit the invoice and any communication I had with the merchant. I complied promptly, but I can not confirm whether my submission was received due to the ongoing email issues. 

Given these circumstances, I would greatly appreciate your assistance in addressing this matter. I believe that better oversight is needed in order to ensure that consumers like myself receive the support we deserve when dealing with financial institutions. 

Thank you for your attention to this issue. I look forward to your guidance on how to proceed. 

Sincerely, XXXX XXXX XXXX XXXX [ Your contact number, if desired ]

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 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I initiated a request for the correction of erroneous data on my credit report, which another credit bureau has already found to be incorrect and has subsequently removed. Your bureau has failed to respond adequately, or has provided what I consider to be a frivolous response. As such, the Credit Bureaus are in violation of FCRA regulations, and I need my records updated without further delay. Below is a list of accounts in question : 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 non-monetary relief
Consumer complaint received 2025-07-02 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: OneMain Finance Corporation
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Issue : Incorrect Information on Credit Report Charged-Off Account with Inflated Balance, Misleading Payment History, and Re-Aging Violation of : Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX et seq. 


-- - Complaint Details : I am filing a complaint regarding the inaccurate and harmful reporting of an account on my credit report. The details are as follows : Account Opened : XX/XX/XXXX Term : XXXX months Type : Unsecured Individual Responsibility Status : Derogatory Charged Off Closed Date : XX/XX/XXXX Last Payment : XX/XX/XXXX Reported Balance : {$4700.00} Highest Balance : {$3700.00} Payment History : XXXX XXXX on-time reported, yet all monthly indicators from XXXX through XXXX show Warning or Late status Remarks : Profit and Loss Write-Off Worst Payment Status : XXXX Days Late Specific Violations and Dispute Summary : XXXX. Inaccurate Balance Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : The current reported balance of {$4700.00} exceeds the highest balance of {$3700.00}. Credit furnishers are required to report only accurate information. Reporting a balance that exceeds the original obligation without documentation violates this section of the FCRA. 


XXXX. Illegal Re-Aging FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) : The payment history continues to reflect warnings and negative marks beyond the account closure date of XX/XX/XXXX, and nearly XXXX years after the last payment in XX/XX/XXXX. This constitutes re-aging of the account, which is strictly prohibited under FCRA XXXX ( a ), which limits reporting of negative information to XXXX XXXX from the original delinquencynot from charge-off or restructured dates. 

XXXX. False or Misleading Payment History FCRA XXXX XXXX Code XXXX ( a ) : The account falsely claims that XXXX XXXX of payments were made on time, despite no payments having been made after XX/XX/XXXX. This misrepresentation affects my creditworthiness and violates my right to dispute and have incorrect information investigated and corrected. 


XXXX. Unverified or Unsubstantiated Reporting FCRA XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) : Under this section, credit reporting agencies and furnishers are required to conduct a reasonable reinvestigation if I dispute an item. I am requesting full reinvestigation and evidence of the debt, including a breakdown of how the current balance was calculated post-charge-off. 


XXXX. Profit and Loss Write-Off Still Showing Balance Due FDCPA XXXX XXXX Code XXXX ( XXXX ) ( A ) : Reporting a Profit and Loss Write-Off while continuing to show a growing balance is misleading and may be interpreted as deceptive under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX of XXXX I was moving my family and I into an apartment called brookford place apartments. After signing papers and getting ready to move in we noticed bed bugs was in the apartment before we moved our stuff in. We showed the leasing agent the issue and she said she will immediately get on this with her manager. They didnt have another apartment to put us in so we had to stay in a hotel for the night. I had my wife and XXXX small children at the time that I had to put up in a hotel. Long story short we didnt move back in the apartment and was given our security deposit back and found out later on like some years later that I was charged for the bedbug treatment and I shouldnt have been charged. They put it on my credit that it was an eviction and it never was an eviction. I shouldnt have been charged for something we came into. Never paid rent there or anything. On XX/XX/XXXX it was assigned to my credit in the amount of {$4800.00} and the company that has it now is National credit. I have disputed this over and over and still no results. I am not able to get any type of housing in my name because this keeps coming up as an eviction and I was never evicted for nonpayment. I was never evicted at all. I need this off my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' 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 15 U.S.C. 1681e ( 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 may 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 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 2025-07-02 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: NY

Complaint narrative:
I am filing a complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ) related to an account from XXXXXXXX XXXX that was previously deleted but has now been unlawfully reinserted into my credit file. 

This account was disputed and deleted, yet it was reinserted twice without the required notice. According to FCRA 611 ( a ) ( 5 ) ( B ), the credit bureau must notify the consumer within XXXX business days of reinsertion. I never received any such notice. 

Additionally, this XXXXXXXX XXXX account was included in a valid FTC Identity Theft Report I filed under FCRA 605B. Supporting documentation was submitted to the credit bureau with a formal request for permanent blocking of this account. Equifax has failed to honor that request and continues to report the fraudulent account in violation of federal law. 

This is a serious breach of my rights and is causing ongoing damage to my credit profile. I have exhausted all traditional dispute methods.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK
State: NJ

Complaint narrative:
XXXX Mortgage has failed update my credit report. I put in a second dispute of being double billed. The bank reversed 5 payments telling me I didnt need to return the funds as the company stated it was an over payment. XXXX mortgage then went in and reversed all payments falsely alleging that I owed for five payments. It then went in ; again ; and incorrectly reported he as 5 payments late ; despite me returning those 5 payments prior to the end of the month to prevent negative reporting. To date, XXXXXXXX XXXX has failed yo return to me the 5 payments totaling {$7700.00}, and correct me report removing those five late payments as Ive never been late for five months consecutively ; and a dispute was pending. Because of the pendency of the says dispute, XXXX Mortgage shouldnt have reported be incorrectly or deficiently while sorting the dispute. I have written numerous letters. It corrected my report the first time after the dispute. However, it has failed to correct my credit report as a result of the second dispute. XXXX XXXX owe me over {$7700.00} to date, and has failed to correct my report from XXXX, 2024 to present. 

It has engaged in deceptive practices in violation if the fair credit reporting act.

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 2025-07-02 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX.... on XX/XX/2025 with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher

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 2025-07-02 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: LA

Complaint narrative:
I am sending to formally dispute the inaccurate and incomplete reporting of a charge-off accounts appearing on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request an immediate investigation and removed the following accounts. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$5500.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$8800.00}

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 2025-07-02 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am filing this complaint regarding a paid collection account reported by XXXX  XXXX XXXX ( or their collection agency ) that is appearing on my credit report. I paid this account in full under the understanding that doing so would result in its removal from my credit report. This agreement was made verbally with a representative of the company prior to my payment. 

Despite fulfilling my part by paying the balance in full, the account remains on my credit report, negatively affecting my credit score and preventing me from qualifying for a mortgage. I have attempted to resolve this matter directly with the company by requesting a goodwill deletion, but they have refused to assist or acknowledge the verbal agreement. 

Additionally, I am concerned that the reporting of this account may contain inaccuracies, and I question whether the continued reporting complies with the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB investigate this matter and assist in having this paid collection account removed from my credit report as originally discussed and agreed upon prior to payment. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-02 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I believe the account is invalid. HARRIS & HARRIS LTD ACCOUNT needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.HARRIS & HARRIS LTD XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief