vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: NC

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: IN

Complaint narrative:
On XX/XX/year>, the collector left a voicemail on a shared voicemail system that is accessible to other individuals besides myself. In the message, the collector disclosed specific information about my alleged debt, including " Hey XXXX its XXXX calling with Ability Recovery Services and I know you had XXXX other accounts in collections, this is regarding your XXXX XXXX. I gave you some time I gave you like XXXX months to see if you could get some funds together please call me back at.... '' This action violated the FDCPA 's prohibition against third-party disclosure of debt information. The voicemail also does not state a specific person 's name ( i.e. myself ) to even be able to leave this kind of voicemail. By leaving this information on a shared voicemail, the collector risked exposing my private financial matters to unauthorized individuals. I respectfully request that the XXXX investigate this matter and take appropriate enforcement action against this agency.

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 2025-09-11 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: NC

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint with the CFPB against Capital One Bank regarding the closure of my account and the non - refund of my principal. 

I opened a Capital One credit card in XXXX. I maintained a good usage record and always made timely payments. On XX/XX/XXXX, I received an email from the bank inviting me to open a checking account, offering a {$300.00} bonus. The next day, on XX/XX/XXXX, I opened the checking account and used it for receiving payments for goods. 

Unexpectedly, on XX/XX/XXXX, the bank unilaterally closed my account. I contacted the customer service multiple times by phone. The customer service representatives informed me that the account closure was a result of an internal review, and they stated that the {$18000.00} balance in my account would be refunded to my mailing address via check. 

As of XX/XX/XXXX, I still had not received the check for the account balance. On this same day, I contacted the bank again. The customer service then said that after re - verification by internal investigators, they determined that my account posed a financial risk. They would not send the balance check to my address ; instead, they planned to return the funds to the payers of my goods. I offered to provide documentation of the source of each fund transaction and other relevant explanations, but the customer service insisted that they could do nothing, and this was their final decision. They also failed to provide a specific time for the refund or any refund documentation. 

This decision by Capital One Bank will cause me serious financial losses. Since the previous transactions have been completed, if the funds are returned to the payers, I may lose my money permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I XXXX XXXX am the sole owner of XXXX XXXX XXXX XXXX XXXX, which maintains a business account with Bank of America. On XX/XX/2025, my company received an incoming wire transfer in the amount of {$30000.00} from XXXX XXXX for duly contracted marketing services. On XX/XX/2025, an additional {$30000.00} was received from the same client for subsequent services rendered. Both transactions were legitimate business payments, supported by invoices and completed work. 

After these transfers, XXXX XXXX bank, XXXX XXXX XXXX initiated recalls on the wires. Bank of America has already returned the funds in full to the originating bank. Despite this, Bank of America has imposed a freeze on my business account as well as my personal account and has stated the hold may remain in place until XX/XX/2025.

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 2025-09-11 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: NC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the XXXX  XXXX XXXX and as a result someone opened up several fraudulent accounts in my name. 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 also enclosed copies of the report. According to FCRA XXXX B this information must be blocked within XXXX  days. XXXX  has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to formally dispute inaccurate late payment information currently appearing on my credit report. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) and related statutes, I am asserting my right to maximum possible accuracy in the reporting of my credit history. I respectfully request a reinvestigation of the following account : Account Under Dispute : XXXX XXXX, account # : XXXX Reason for Dispute : The account has not been properly verified or validated by the original creditor. I am requesting the payment history be updated to reflect : Paid As Agreed, Never Late.

Legal References Supporting This Request : 15 U.S. Code 1681e ( b ) Maximum Possible Accuracy Your agency is required to ensure the maximum possible accuracy of any item of information contained in a consumer report. Failure to verify the accuracy of late payments violates this standard. 
XXXX XXXX XXXX Bank XXXX Massachusetts This case determined that mere billing statements are not sufficient proof of late payments. Validation requires internal records, payment logs, and evidence of communication.

15 U.S. Code 1666b Truth in Lending / Timely Credit of Payments This law prohibits creditors from reporting a payment as late if it was received in a timely manner but processed incorrectly. If the creditor can not prove proper billing practices, the reporting must be corrected. 
XXXX v. Equifax ( 2024 ) Equifax was found in violation of the FCRA for continuing to report inaccurate late payments after a dispute without conducting a proper reinvestigation. The same protections apply here. 
XXXX v. Experian, Equifax, and TransUnion ( 2024 ) This case emphasized the duty of all three credit bureaus to thoroughly investigate disputed late entries and take corrective action when validation is not provided. 
________________________________________ What Im Requesting : XXXX. A reinvestigation of the reported late payment ( XXXX ). 
XXXX. Proof of timely processing from the creditor ( if they claim payment was late ). 
XXXX. Removal of any unverified or inaccurate late payments. 
XXXX. Update of the account status to reflect Paid As Agreed, Never Late. 
XXXX. A new copy of my credit report showing these corrections.

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 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was told they can not provide any information but i was sent an email letting me know my account will be closed and the funds will be sent to an external checking account or a check will be issued. I called in after receiving the email and they asked me to confirm my address for the check to be sent. a few weeks later i call in to verify if it was sent because i have not received anything. they then tell me that this check was actually sent to who put a XXXX  on the account. So i asked for more information and they would not provide any. I called again some days later and was told they will not let me know any information about the account at this time. This has been going on for over a month now and its over a XXXX dollars that was in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I am disputing an American Express account XXXX XXXX  that is currently appearing on my credit report. This account was reportedly opened on XX/XX/XXXX, during a time when I was incarcerated in XXXX XXXX in XXXX XXXX, Arkansas, and had no access to open, manage, or authorize any financial accounts. I have been continuously incarcerated since XXXX, with no release or access to internet or financial services. The account in question shows a charge-off status with a balance of {$6800.00} and is marked as closed by the credit grantor. I did not open this account. I did not authorize anyone else to open or use an account in my name. I was not in a position to conduct any credit-related activity during that time. This is a clear case of identity theft or unauthorized use of my personal information while I was imprisoned. I am attaching official documentation confirming my incarceration during this period to support this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
My TransUnion credit report is showing incorrect and outdated information. Specifically : XXXX. The XXXX XXXX auto loan was part of my XXXX  XXXX bankruptcy, but the way it is being reported is inaccurate. The remarks and status are not correct and do not reflect the proper treatment of the account under bankruptcy. This misreporting is negatively impacting my credit profile. 
XXXX. My report still lists XXXX as my employer. I no longer work there, and this information is outdated and inaccurate. 
XXXX. My report is also showing old addresses that are no longer valid. The only correct and current address is : XXXX XXXX XXXX XXXX, MI XXXX. Any other addresses should be removed since they are not tied to open accounts. 

Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to ensure maximum possible accuracy. Please update my file so the bankruptcy reporting for XXXX XXXX is correct, remove the outdated employer, and delete all old addresses not tied to open accounts.

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 2025-09-11 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: MO

Complaint narrative:
Well taking me to court it was sold to crown asset management llc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Solar Mosaic LLC
State: GA

Complaint narrative:
In XXXX, XXXX XXXX installed a solar system that has never functioned as promised. The system fails to produce the expected energy, and the XXXX XXXX is malfunctioning. Despite this, I continue to receive extremely high electric bills, including {$670.00} in XX/XX/XXXX ( see attached XXXX  ). 

XXXX XXXX misrepresented the systems performance, available tax credits, and financing terms. When I raised concerns, they failed to provide repairs or a working resolution. 

I sent a formal dispute letter to XXXX XXXX on XX/XX/XXXX ( see XXXX  ) and a follow-up email on XX/XX/XXXX ( see XXXX ), but received no correction. 

I also notified Mosaic, the loan holder, under the FTC XXXX XXXX, requesting that they recognize my claims and address the dispute. Mosaic has continued billing without acknowledging their obligations. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXXXXXX acknowledged my complaint but directed me to the Georgia Attorney Generals office, which I filed with on XX/XX/XXXX ( see XXXX XXXX XXXX XXXX XXXX XXXX. 

This situation has caused financial harm because I am paying for both a non-functioning solar system and full utility bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Received notification from Chase Bank that the terms of my credit card agreement are changing effective XX/XX/XXXX and if I did not accept the new terms, I must notify them by XX/XX/XXXXXXXX 

Account is current, in good standing and current terms were accepted with associated fees paid through XX/XX/XXXXXXXX 

XX/XX/XXXX I send a secure message to Chase Bank that I would not be accepting the new terms ( increasing the annual fee to {$790.00} ). Within XXXXhours and without notice, Chase Bank closed the account on XX/XX/XXXX not allowing me the opportunity to redirect auto pay accounts to a new card as well as not refunding at least a portion of my {$550.00} annual fee paid on XX/XX/XXXX. 

An immediate call to Chase Sapphire Reserve customer service resulted in the answer that " there is nothing we can do ''.

Company response to consumer: Closed with explanation