vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: MO

Complaint narrative:
I am submitting this formally dispute inaccurate late payment information currently being reported on my credit file. I am exercising my rights under FCRA 611 ( 15 U.S.C 1681i ) to dispute inaccurate data, FCRA 623 ( a ) ( 2 ) regarding a furnishers duty to correct and update, FCRA 623 ( b ) concerning their duty to investigate, and FCRA 602, which expresses Congresss intent to ensure accurate and fair credit reporting. Each account listed below contains information that does not accurately reflect my payment history or the circumstances surrounding those reported delinquencies. I am requesting a full reinvestigation and correction of the following inaccurate records. 
Late closed XX/XX/2XX/XX/2024XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed XXXX 
XX/XX/5178Balance : {$590.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX charges off removed/ finding out why did XXXX XXXX reopen and charged off account ( against FCRA ) and late paymentsreversed.

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: NC

Complaint narrative:
I purchased a vehicle in XX/XX/2024, financed through Global Lending Services. Within six months ( by XX/XX/2024 ), the car stopped running completely and has not been drivable since. I believe the dealership knowingly sold me a defective vehicle with no warranty and misrepresented its condition. 

Despite my efforts to resolve the issue, the lender has continued to report negative information on my credit report, including a repossession, even though the car became unusable through no fault of my own. 

I filed a dispute with XXXX, but it was verified without proper investigation. I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that Global Lending Services properly investigates this account and verifies the accuracy of their reporting. I also request assistance in addressing the deceptive sales practices of the dealership associated with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to dispute a collection account that appears on my credit report from Jefferson Capital Systems LLC in the amount of {$1000.00}, originally listed under XXXX. 

This account does not belong to me and was not authorized by me. I have never opened or agreed to any account with XXXX or Jefferson Capital Systems. This appears to be the result of identity theft. 

I am requesting that this account be immediately investigated and removed from my credit reports. The reporting of this account is inaccurate and is causing harm to my credit profile. 

Please direct Jefferson Capital Systems LLC to : 1. Delete this account from all credit bureaus ( XXXX XXXX XXXX XXXX ). 
2. Cease all collection activity and communications regarding this alleged debt.

3. Provide written confirmation that I have no financial responsibility for this account. 

This account was reported without my knowledge or authorization, and I am requesting prompt action under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
I've contacted all XXXX credit reporting agencies requesting my original paperwork with my signature on every adverse account. They all have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
CashApp is being used by scammers to scam people out of money by pretending to invest their money on cryptocurrency. Scammer ask people to send money via CashApp and then disappear. CashApp is not willing to cooperate with providing information or protection to users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXXXXXX Duplicate Paid, Closed listings ( Opened XX/XX/XXXX & XX/XX/XXXX ). 
XXXX. XXXX XXXX XXXX Charged-off balance {$7900.00} ; unverifiable debt and missing original instrument. 
XX/XX/XXXXClosed account showing {$60.00} past due without substantiation. 
XX/XX/XXXXXXXX Duplicate tradelines ( Opened XX/XX/XXXX & XX/XX/XXXX ). 
XXXX. XXXX XXXX Incorrect Potentially Negative status ; {$0.00} balance. 
6. Navy Federal Credit Union Erroneous Potentially Negative flag on paid/closed account. 
XX/XX/XXXX and XXXX Unverified negative reporting . 
Personal Information Errors : Please remove incorrect name variations ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) and obsolete addresses ( XXXX XXXXXX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NM

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the requirement of maximum possible accuracy under the FCRA. These errors are having a serious and ongoing negative impact on my financial well-being.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am submitting as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts investigated to ensure maximum possible accuracy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} This account is inaccurately reported as having late payments. These false reports are severely damaging my creditworthiness by creating a misleading portrayal of me as a consumer who does not meet obligations on time. In reality, I have always managed my accounts responsibly, made timely payments, and maintained a strong payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AR

Complaint narrative:
I carefully reviewed my credit reports and discovered several inaccuracies that do not reflect my actual financial history. I have always prioritized fulfilling my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and, in several cases, unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> The applicable statutes supporting my dispute include FCRA 605 ( a ) ( 15 U.S.C . 1681c ), which limits the duration that negative information may remain on my credit report ; FCRA 611 ( 15 U.S.C. 1681i ), which provides my right to dispute inaccurate information and mandates a reasonable reinvestigation ; FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ), which obligate furnishers to investigate and promptly correct any disputed information ; FDCPA 809 ( 15 U.S.C. 1692g ), which grants me the right to request debt validation from the original creditor ; and FCRA 604 ( 15 U.S.C. 1681b ), which ensures that all inquiries on my credit report are made for a permissible purpose.

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 2025-10-27 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:
I carefully reviewed my credit reports and discovered several inaccuracies that do not reflect my actual financial history. I have always prioritized fulfilling my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and, in several cases, unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$17000.00} : XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> The applicable statutes supporting my dispute include FCRA 605 ( a ) ( 15 U.S.C . 1681c ), which limits the duration that negative information may remain on my credit report ; FCRA 611 ( 15 U.S.C. 1681i ), which provides my right to dispute inaccurate information and mandates a reasonable reinvestigation ; FCRA 623 ( a ) ( 2 ) and 623 ( b ) ( 15 U.S.C. 1681s-2 ), which obligate furnishers to investigate and promptly correct any disputed information ; FDCPA 809 ( 15 U.S.C. 1692g ), which grants me the right to request debt validation from the original creditor ; and FCRA 604 ( 15 U.S.C. 1681b ), which ensures that all inquiries on my credit report are made for a permissible purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Therefore, the following accounts must be deleted from my report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
What happened? This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Therefore, the following accounts must be deleted from my report 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This complaint concerns a Capital One credit card account that was paid in full and now reflects a XXXX XXXX XXXXalance, yet it continues to be reported as a collection/charge-off on my credit report. 
Continued negative reporting after payment violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C.

16815-2 ( a ) ( 1 ) ( A ) and 1681i ), which requires furnishers to report accurate and up-to-date information and promptly correct any errors.

Because of this inaccurate reporting, I was denied a personal loan and experienced significant financial harm, including a drop in my credit score and emotional distress due to reputational damage. The account was fully satisfied and should have been reported as paid or deleted in compliance with federal I am requesting that Capital One immediately correct this issue by removing the charge-off notation, deleting the derogatory entry entirely from all credit bureaus, and providing written confirmation of correction. Additionally, I request compensation for financial and emotional damages caused by Capital One 's negligent failure to update my credit report accurately. 
Attachments : - Proof of payment - Credit report screenshot showing continued negative status - Loan denial letter tied to this reporting error - Prior CFPB complaint confirmation ( if applicable ) Signature : XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
I am submtting this formally dispute inaccurate information appearing on my credit report regarding one of my accounts. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) for inaccurate reporting. It has always been my priority to maintain a strong and positive credit history, so I take this matter seriously. After carefully reviewing my credit file, I found an account showing a late payment that does not accurately reflect my payment activity. Below are the details and my reasoning for the dispute. 
LATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
I am submtting this formally dispute inaccurate information appearing on my credit report regarding one of my accounts. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) for inaccurate reporting. It has always been my priority to maintain a strong and positive credit history, so I take this matter seriously. After carefully reviewing my credit file, I found an account showing a late payment that does not accurately reflect my payment activity. Below are the details and my reasoning for the dispute. 
LATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130000.00}

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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
There is a loan in my name in Nv for a car with XXXX XXXX  I just recently moved to NV and I do not have a car loan from this state as I dont have a car at all at the moment

Company response to consumer: Closed with explanation