vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
XXXX XXXX is reporting derogatory late payments on my credit profile without sufficient documentation or consistent reporting. I have submitted disputes through the credit bureaus, but XXXX has failed to provide adequate verification of the reported late payments. 
Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ), XXXX is obligated to report accurately and respond to disputes with verified documentation. To date, I have not received any supporting evidence of the alleged delinquencies. 
Furthermore, the late payments violate the maximum possible accuracy requirement under 1681e ( b ) and the blocking provision under 1681c-2. The data is unverified, harmful, and inconsistent. 
I am formally requesting the CFPB to investigate XXXXXXXX XXXX for failing to meet FCRA obligations and to compel the deletion of all inaccurate and unverifiable late payments on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
XXXXXXXX XXXX is reporting derogatory late payments on my credit profile without sufficient documentation or consistent reporting. I have submitted disputes through the credit bureaus, but XXXX has failed to provide adequate verification of the reported late payments. 
Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ), XXXX is obligated to report accurately and respond to disputes with verified documentation. To date, I have not received any supporting evidence of the alleged delinquencies. 
Furthermore, the late payments violate the maximum possible accuracy requirement under 1681e ( b ) and the blocking provision under 1681c-2. The data is unverified, harmful, and inconsistent. 
I am formally requesting the CFPB to investigate XXXXXXXX XXXXXXXX  for failing to meet FCRA obligations and to compel the deletion of all inaccurate and unverifiable late payments on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
XXXXXXXX XXXX is reporting derogatory late payments on my credit profile without sufficient documentation or consistent reporting. I have submitted disputes through the credit bureaus, but XXXX has failed to provide adequate verification of the reported late payments. 
Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681i ( a ), XXXX is obligated to report accurately and respond to disputes with verified documentation. To date, I have not received any supporting evidence of the alleged delinquencies. 
Furthermore, the late payments violate the maximum possible accuracy requirement under 1681e ( b ) and the blocking provision under 1681c-2. The data is unverified, harmful, and inconsistent. 
I am formally requesting the CFPB to investigate XXXXXXXX XXXX  for failing to meet FCRA obligations and to compel the deletion of all inaccurate and unverifiable late payments on my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: DISCOVER BANK
State: OH

Complaint narrative:
I was a victim of identity theft in XXXX. While preparing to purchase a home, an unauthorized Discover account appeared on my credit report. I contacted Discover immediately, and they offered a pay-for-deletion resolution. Relying on their verbal assurance, I paid the account in full. However, the account was never removed. 

Discover has since reinserted the account multiple times, changed the open date, altered the payment history, and continued reporting it inaccurately without proper notice, in violation of FCRA XXXX ( a ) ( XXXX ) ( B ) and FCRA XXXX ( a ) ( XXXX ). 

I have submitted disputes with all three credit bureaus, provided proof of identity theft and police reports, and yet Discover continues to verify this account as accurate without proper reinvestigation, violating FCRA XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Westcreek Financial
State: MO

Complaint narrative:
I have sent 2 requests for validation of the alleged debt that they said I owe. The first request was sent on XX/XX/year>. and the second on XX/XX/year>. They replied with a standard form letter and did not validate the debt. They are willfulling in non-compliance. According to 15 U.S.C. 1692g Fair Debt Collection Practices Act ( FDCPA ) I have a right for validation if they claim I owe a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: TX

Complaint narrative:
I offered to settle original emergency room bill for 2 years. The hospital would never get back with me. I finally gave up, and disputed adverse report on all three credit agencies. All three removed the derogatory reporting. Then the hospital sold the account to a collection agency. I offered to settle, even know they tried to double the original medical charge. They refused to settle. They reported adverse information to all three credit agencies, again. I disputed with all three, and they all removed the derogatory information. Now, its happening again, with a different collection agency. They have reported adverse information again. These collection agencies keep messing up my credit, and causing me a lot of stress. I have repeatedly tried to resolve this matter. I am constantly being harassed. The most recent collection agency information can be filing below. 

National Recovery Agency XXXX XXXX XXXX, XXXX, PA XXXX Balance {$850.00} Original medical facility XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On experience, equifiax and transunion I have over 50 hard inquiries that will not be removed for 4 years. These are done without my consent and its obvious its illegally done I want them removed

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 2025-07-13 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:
To Whom It May Concern, I am writing to formally reiterate and escalate my dispute regarding the inaccurate reporting of a paid collection account by XXXX XXXX on my Equifax credit report. 

The collection was for {$58.00}, which I paid in full. However, Equifax continues to report the amount as {$59.00}, which is incorrect. This discrepancy, although minor in amount, constitutes inaccurate reporting and is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies must ensure maximum possible accuracy in the information they report.

Additionally, under 15 U.S.C. 1681i, I have the right to request a reinvestigation of any disputed item. I am exercising that right now.

As the account is both paid and inaccurately reported, I am requesting a complete deletion of the collection item from my credit report, as permitted under FCRA when an account can not be verified or is reported with material inaccuracy.

Please reinvestigate this matter and provide me with written confirmation of the outcome. If the inaccuracy remains unresolved, I will consider escalating the matter to the FTC and pursuing further remedies under the FCRA. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: SC

Complaint narrative:
This account is unauthorized and it is not mine. Id like this account to be removed from my credit report.

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 2025-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have waited longer than 30 days and longer than the required 3-5 business days for a fraudulent account to be removed from my account according to the FCRA. I will repeat my request from before in this complaint. This needs to be handled immediately. One account is still showing on my report which is the following ; XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Below are all the complaints I have opened. 

XXXX XXXX XXXX XXXX I need this item to be removed immediately. This is a fraudulent account that needs to be removed from my account ASAP. 


Here is my previous request I sent. 

Dear TransUnion, This letter serves as a formal follow-up to my original Fraud Block request submitted on XX/XX/XXXX, under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c2. To date, I have not received confirmation that the following fraudulent accounts have been blocked from my credit file, as required by law : XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXXXXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Original Balance : {$39000.00} ( Auto Loan ) XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Credit Card XXXX XXXX XXXX XXXX # XXXX Date Opened : XX/XX/XXXX Credit Card The required documentation was included with my original submission and consisted of : Proof of identity An identity theft report A written statement identifying and disputing the fraudulent accounts Per federal law, TransUnion is obligated to block the fraudulent information within four ( 4 ) business days of receiving all necessary documentation. Additionally, I request a free updated copy of my credit report under 15 U.S.C. 1681j ( d ), reflecting the removal of the fraudulent entries.

If TransUnion has determined that further documentation is needed, you are required to notify me promptly. Your failure to act or communicate is a direct violation of the Fair Credit Reporting Act and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 
Please treat this as an urgent matter and provide written confirmation once these accounts have been removed. 
Sincerely, 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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
On XXXX, XXXX 2025, Credence Resource Management sent me a letter confirming they would request that a collection account on my credit report be deleted. The letter stated this process would take up to 60 days. It has now been more than 60 days, and the account is still showing on my credit reports. 

I have attached the letter as proof of their commitment. I am asking the CFPB to help ensure Credence honors their written promise and completes the removal of the account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: Figure Technologies, Inc
State: GA

Complaint narrative:
Predatory rates - I am being charged interest twice. The stated rate is .02425 % daily periodic rate or 8.850 % APR, but they are ALSO charging and undisclosed interest fee on the origination fee for the same borrowed amount. The result is that of my {$270.00} payment, {$260.00} is going to interest which is 94.55 %. This has to be illegal and in violation of usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I was informed by a Citibank representative that a check would be mailed to me in XXXX business days as part of a refund/settlement related to my checking account. I confirmed my mailing address with the representative and was told to expect it no later than XX/XX/year>. 

As of today, XX/XX/year>, I still have not received the check. I have followed up with Citibank multiple times by phone, and each time I am told conflicting information or am advised to simply wait longer. When I asked for tracking information or proof that the check was mailed, I was told none was available. I also requested that the check be canceled and reissued or sent through an alternative method ( like direct deposit ), but I was told that was not possible. Please note my account was closed since April and I still have not received a single letter or explanation as to why it was closed and where my funds are! 

I have made every effort to resolve this issue directly with Citibank, but I have not received my funds or a clear explanation for the delay. This situation has caused significant stress and financial inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-13 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 mailed a certified dispute letter to XXXX XXXX XXXX on XX/XX/year>, to the address they provided. The XXXX confirmed it was delivered and received. This dispute was issued under FCRA XXXX ( a ) ( XXXX ) and FCRA XXXX, requesting proper investigation and validation. 



As of today, XXXX has not responded at all no validation, no communication, no investigation. Yet they continue to report the tradeline to the credit bureaus. Additionally, the balance theyre reporting conflicts with what XXXX XXXX  reports for the same account, which is a violation of FCRA XXXX ( a ) ( XXXX ) ( B ) for furnishing inaccurate or inconsistent information. 



This continued reporting without proper validation, and in contradiction to original creditor data, is causing damage to my credit and violates my consumer rights. 

account from all credit bureaus Written confirmation of deletion Full compliance with FCRA XXXX ( a ) ( XXXX ) and XXXX XXXX into conflicting balances and assignment history

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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 mailed a certified dispute letter to XXXX XXXX on XX/XX/year>, to their listed address ( XXXX XXXX XXXX, XXXX, UT XXXX ), as part of my rights under FCRA 623 ( a ) ( 8 ) and FCRA 611. This dispute requested verification, correction, or deletion of a tradeline that they are furnishing to the credit bureaus. 



The letter was returned unclaimed. XXXX XXXX did not respond, did not investigate, and did not provide any validation of the account. 



Despite receiving no validation and having the dispute ignored, they are continuing to report this negative item to the credit bureaus which is a direct violation of the Fair Credit Reporting Act and may also violate FDCPA provisions if they are engaging in any collection activity. 



This unverified and invalidated information is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
1. I did and investigation on my report and saw that my Capital One credit card was incorrectly reporting me as an authorized user instead of properly reporting as individual responsibility. XXXX  2. I did a dispute to correct the information on the reporting agencies websites and the Capital One credit card account was deleted off my report which was an error. It should not have been deleted, it should have been updated to the correct individual responsibility status. XXXX  3. Please update this Capital One credit card account and report to the reporting agencies the correct individual responsibility status of the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On * * XX/XX/year> * *, I noticed several unauthorized charges made to my newly opened Chime account. These transactions occurred while I was either at work or at the gym, and I did not initiate or authorize any of them. The charges were linked to * * XXXX XXXX * *, a platform I do not use. The senders name was listed as * * XXXX, * * which raised immediate concern, as I do not know anyone by that name. 

I believe this unauthorized access stemmed from my * * mail being tampered with at my residence * *, which may have exposed my account information. Even after requesting a * * new Chime card * *, the individual was able to continue accessing my account using the * * virtual card details * *, which remain visible in the app even after a physical card replacement. 

I reported the issue to Chime immediately, but was told that because the transactions were still pending, they could not take action or begin an investigation at that time. They advised me to contact XXXX XXXX, who in turn directed me back to Chime. I found myself caught in a frustrating loop, with each company referring me to the other and neither accepting responsibility or offering a clear solution. 

Despite this, I remained vigilant and monitored my account closely. I was able to * * withdraw my remaining funds * * before additional unauthorized charges could go through. During this time, * * new attempts * * to charge my account were still being made, confirming the individual still had access. 

Eventually, after persistent follow-ups, * * XXXX XXXX credited the stolen funds back to me * *. However, they did not provide sufficient information about the person behind the unauthorized transactions. I was given only partial or unclear details about the individual, and I am still trying to obtain the full information in order to report the crime to the proper authorities. 

To date, Ive : * Contacted * * Chime and XXXX XXXX XXXX  * multiple times * Replaced my physical Chime card * Locked my account and removed funds to prevent further theft * Filed a complaint and pursued an investigation through both companies This situation has been * * highly distressing * *, and I am seeking proper resolution, accountability, and support from both Chime and XXXX XXXX to prevent further misuse of my account and help identify the individual responsible. 

-- - Let me know if you want this turned into a * * PDF * *, or if you want me to help you write a * * police report * *, * * FTC identity theft report * *, or a * * follow-up complaint to Chime or XXXX XXXX * * with this included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One closed my credit card account after a payment issue caused by a failure in their mobile app. I had scheduled payments and the account was on autopay, but the payment did not process. I was not notified by Capital One and did not get a chance to resolve it. They closed my account and reported 30 and 60-day late payments, which damaged my credit. I no longer have access to the account in the app, so I can not retrieve payment or transaction history. I disputed this with the credit bureaus, but they refused to remove the negative marks. This is unfair and inaccurate. I request a full deletion of this account or all negative marks from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding account number XXXX, which is being reported as a charge-off on all three major credit bureaus. 

This account is not only inaccurate, but it has caused ongoing damage to my financial lifefrom interest rate hikes to credit denials. Despite my previous request for validation of the debt, XXXX XXXX failed to produce any supporting documentation. 

Furthermore, there is a serious inconsistency across all XXXX credit bureaus : The Date Last Active varies wildly ( XX/XX/year> on Experian vs. XXXX elsewhere ). 
This appears to be an attempt to re-age the account in violation of FCRA 605 ( a ) and FCRA 623 ( a ) ( 1 ) ( A ).

This account has sat on my report for years without resolution, and its continued presence is based on false, outdated, or unverifiable data. It is unacceptable for a financial institution to report this type of derogatory tradeline without accountability or consistency.

Company response to consumer: Closed with non-monetary relief