vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
Subject : Furnisher and Credit Reporting Violation FCRA Non-Compliance To : Consumer Financial Protection Bureau ( CFPB ) I am submitting a complaint regarding an inaccurate account that continues to appear on my XXXX credit report after a reinvestigation. 

Creditor / Furnisher : Possible Financial Inc Account ( partial ) : XXXX Credit Bureau : XXXX XXXX Report / Dispute # : XXXX Reinvestigation Completed : XX/XX/year> I disputed this account with XXXX because the information reporting is inaccurateXXXX XXXX notified me that the company verified the account and marked it Verified and Updated, even though the information still appears incorrect and incomplete. 

I am requesting CFPB intervention because : The furnisher did not provide documentation proving this account belongs to me. 
XXXX  did not provide the Method of Verification when requested ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

The furnisher did not conduct a reasonable investigation or validate the data ( FCRA 1681s-2 ( b ) ).

No contract, application, or signed proof of debt has been supplied.

Requested Action I am asking the CFPB to require : 1. Validation of the account by Possible Financial Inc ( signed contract, payment history, proof of responsibility ). 
2. Removal of the account from my credit report if proof can not be provided.

3. A copy of the Method of Verification used by Experian during the reinvestigation.

Attached is my Experian dispute result screenshot showing the status Verified and Updated.

Thank you for your assistance. 

Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRSTBANK
State: CO

Complaint narrative:
I paid for advertising that was supposed to get my company name to on the first page of XXXX and it never happened I expected my bank to return my investment and they failed miserably saying how they think that the advertising company did what they could when my company name appearing on top of the XXXX page the fraud manager was totally incompetent in her job and taking care of me as a costumer that was being fraudulently changed for services Not rendered!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
LoanCare LLC is reporting my account as " late '' when this is false. I have paid on time for 6 months in a row which can easily 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 explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Capital Ones recent decision to close my checking account ending in XXXX and savings account ending in XXXX. 

On XX/XX/year>, I received two emails both stating that my account would be closed because : Capital One has observed activity on one or more of your Capital One accounts that is inconsistent with typical customer account usage.

Capital One has refused to disclose any specific details regarding the activity in question, and informed me that the decision is final, providing no meaningful justification.

I contacted Capital One customer service on XX/XX/year> seeking clarification and requesting a manual review of the decision. The representative explicitly stated that the closure is final and no further information could be provided.

Their lack of transparency raises serious concerns regarding compliance with applicable consumer protection laws and regulations, as well as Capital Ones own internal policies. It is unclear whether the account closure was conducted in accordance with due process, fair treatment, and proper verification procedures.

In the past week, my checking account activity consisted solely of two small routine transactions : a withdrawal of {$100.00} to another bank account of mine, and a deposit of {$500.00} into my Capital One Savings account. I am not aware of any suspicious or abnormal activity that could justify the closure of my account. I have always conducted my banking activities responsibly and fully in accordance with all terms and conditions.

Because Capital One has failed to provide any explanation for this action, I am concerned that these two closures may have been executed improperly, potentially in violation of consumer protection statutes, internal compliance obligations, and procedural fairness requirements, and may have been triggered solely by automated systems or internal algorithms without adequate human oversight.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Before my XX/XX/XXXX payment was due, I contacted American Express to confirm in advance whether a potential interest fee for that month could be waived, credited, or otherwise be removed. I was aware there are limits, which is why I sought clarification ahead of time. This was to determine whether I could pay less than my full balance while avoiding interest fees. 

A representative, XXXX, told me, we can definitely process another request, which led me to reasonably believe a waiver was possible if needed. Based on this guidance, I adjusted my payment. 

I was subsequently charged a {$50.00} interest fee for that month, though I expected it could be waived or credited based on XXXX guidance. I later learned that my account was deemed ineligible for a waiver, and no exceptions could be made. This conflicting guidance caused financial inconvenience, as I relied on the information provided by American Express. I have been a loyal American Express customer since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-08 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: WA

Complaint narrative:
I am submitting this follow-up to my prior dispute regarding inaccurate, incomplete, and unverifiable information appearing on my credit report. I previously exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requested that the credit reporting agency conduct a reasonable reinvestigation into the disputed information. 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite the time allowed under FCRA 611 ( 15 U.S.C. 1681i ), I have not received an adequate resolution or confirmation that a reasonable investigation was conducted. The inaccurate information continues to appear on my credit file, negatively impacting my credit standing. This failure to properly investigate and correct the disputed data constitutes a potential violation of the FCRA, as both credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of all consumer information reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: WA

Complaint narrative:
I am submitting this follow-up to my prior dispute regarding inaccurate, incomplete, and unverifiable information appearing on my credit report. I previously exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requested that the credit reporting agency conduct a reasonable reinvestigation into the disputed information. 

XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX, WA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3300.00} XXXX XXXX XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$350.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite the time allowed under FCRA 611 ( 15 U.S.C. 1681i ), I have not received an adequate resolution or confirmation that a reasonable investigation was conducted. The inaccurate information continues to appear on my credit file, negatively impacting my credit standing. This failure to properly investigate and correct the disputed data constitutes a potential violation of the FCRA, as both credit reporting agencies and furnishers of information are required to ensure the maximum possible accuracy of all consumer information reported.

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 2025-11-08 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 am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX, Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being.

I would like to bring to your attention the following inaccuracies : XXXX. Incorrect Address : The current address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, my correct address is XXXX XXXX XXXX. I request that you update my address information accordingly. 

XXXX. Outdated Employment Information : The employment history provided on my credit report is outdated and no longer accurate AT T I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 

A recent utility bill displaying my correct address. 

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being.

I would like to bring to your attention the following inaccuracies : XXXX. Incorrect Address : The current address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, my correct address is XXXX XXXX XXXX. I request that you update my address information accordingly. 

XXXX. Outdated Employment Information : The employment history provided on my credit report is outdated and no longer accurate AT T I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 

A recent utility bill displaying my correct address. 

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain personal information that is inaccurately reported in my credit report. I have recently obtained a copy of my credit report from your agency and have identified discrepancies that require immediate attention. The inaccurate information is negatively affecting my credit profile and financial well-being.

I would like to bring to your attention the following inaccuracies : XXXX. Incorrect Address : The current address listed on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, my correct address is XXXX XXXX XXXX. I request that you update my address information accordingly. 

XXXX. Outdated Employment Information : The employment history provided on my credit report is outdated and no longer accurate AT T I understand the importance of accurate personal information in credit reports, as it directly impacts my ability to secure loans, housing, and other financial opportunities. Therefore, I kindly request that you investigate and rectify these inaccuracies as soon as possible. 

Enclosed with this letter, please find copies of documents that support the correct information : A copy of my driver 's license displaying my correct name and address. 

A recent utility bill displaying my correct address. 

I am also aware of my rights under the Fair Credit Reporting Act ( FCRA ) to dispute inaccurate information and have it corrected or removed within a reasonable time frame. I kindly request that you initiate an investigation into the inaccuracies mentioned above and notify me of the results in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion LLC for reporting false, inaccurate, and unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). My report lists two wrong addresses XXXX XXXX XXXX XXXX GA XXXX and XXXX XXXX, XXXX, NC XXXX which do not belong to me. It also shows XXXX XXXX XXXX XXXX XXXX  with a high balance of {$10000.00} opened on XX/XX/XXXX, reported as late payment even though I have never paid late. XXXX XXXX XXXXXXXX XXXX XXXX  with a high balance of {$33000.00} opened on XX/XX/XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX  with a high balance of {$23000.00} opened on XX/XX/XXXX, are both reported as charge-offs that I have no knowledge of. XXXX XXXXXXXX XXXX with a balance of {$6100.00} opened on XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$1300.00} opened on XX/XX/XXXX, are shown as collections I do not recognize. There is also an unauthorized inquiry from XXXX dated XX/XX/XXXX, made without my consent. These entries violate FCRA 607 ( b ) and 611 ( a ) for failing to ensure maximum accuracy and proper reinvestigation. I request the CFPB to investigate TransUnions noncompliance and require immediate deletion of all inaccurate and unverifiable information from my credit 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