vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Alleged Late Payment : XX/XX/XXXX - XX/XX/XXXX I have never been 30 days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items with each credit bureau individually. Under the Fair Credit Reporting Act ( FCRA ), please review, verify, and remove any information that can not be fully validated. 
Charged Off Accounts in Dispute XXXX  XXXX XX/XX/XXXX {$490.00} XXXX  XXXX XX/XX/XXXX {$550.00} XXXX  XXXX XX/XX/XXXX {$460.00} XXXX  XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$930.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$750.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX  XXXX duplicate entry XXXXXXXX XXXX XXXX duplicate entry XXXX XXXX duplicate entry XXXX XXXX XXXXXXXX XX/XX/XXXX {$100.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} Inquiries ( None reported ) Late Payments 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
After reviewing my credit report for the first time, I am surprised to see that I have accounts in there in and inquiries that I haven't even known about my entire life. I am attaching the documents to dispute these fraudulent information and request for them to be removed from my credit report. Somebody has been using my information and had been doing these transactions without my knowledge. I have already formally filed a complaint with the FTC and will be moving further on seeking help with our local police to get this sorted out. 

I am writing to urgently dispute several fraudulent accounts that have been incorrectly reported under my name. These accounts are not mine, and I have no knowledge, connection, or authorization related to any of them. Fraudulent Accounts : XXXX  XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$7000.00} XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$6800.00} XXXXXXXX XXXX  Acct XXXX XXXX | Opened : XX/XX/XXXX | Balance : XXXX XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$9100.00} XXXX XXXX XXXX XXXXXXXX Opened XXXX XX/XX/XXXX | Balance : {$7100.00} These accounts are completely false, damaging, and unacceptable. I am frustrated, stressed, and exhausted by this recurring issue. Let me be clear : I did not open or authorize any of these accounts. This is a serious violation of my rights under the FCRA. Under Section 605B, I am requesting the immediate blocking of this identity-theft-related information. Under Section 611, I am requesting a full and immediate reinvestigation. If the creditors can not provide verified proof that I opened these accounts, they must be permanently deleted from my credit report. This situation has caused me emotional stress, sleepless nights, and financial harm. Please confirm in writing once the accounts have been fully investigated and removed, and provide an updated copy of my corrected credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
Hunter Warfield is attempting to collect a rental debt for XXXX XXXX XXXX XXXX, XXXX XXXX  ( account # XXXX ). Myself and XXXX XXXX, who was also on the lease, sent a written validation request via email on XX/XX/2025 and by certified mail the same day, and again on XX/XX/2025, asking for an itemized breakdown of charges, receipts for repairs, a copy of the lease and move-out statement, and proof that they own or were assigned the debt. They never provided any documentation or response. 

Despite that, the company reported the collection to credit bureaus around XX/XX/2025 and has continued to email me about payment. They also began contacting my mother, who was removed from the lease over a year before the alleged charges, which violates the FDCPA by communicating with a third party not responsible for the debt.

I am requesting that Hunter Warfield cease all collection activity, remove this account from all credit reports, and provide proof if they claim to own or service the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: SC

Complaint narrative:
Aicma is attempting to collect a debt that is not owed. I have been receiving information multiple text, emails and calls form Robots

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Well, this is a security card that they were promoting. They would return the money deposited within a period of 6 months to a year. It turns out that I have complied with my payments on time, their minimum payments, everything. I have had one for three years and two years with a second one, and they have not returned the money. In fact, other institutions have already given me unsecured cards with much higher limits than these two cards with an institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received an additional card from I had requested from Barclays. On XX/XX/year>, when I was activating the card, I used the security code for the new card instead of the one for my credit card, which prompted the account to be blocked. 
I called Barclays and they informed me that the only way to unblock the account was to fax or mail confidential and sensitive information, including my social security card or Form XXXX, my driver 's license, and a copy of utility bill. I complained and informed that I disagreed with having to send sensitive information through an unsecure channel to no one in particular. 
I submitted the information via fax on XX/XX/year> because I had a deadline for payment on XX/XX/year> that I did not want to miss. I called on XX/XX/year> and was notified that the information had been received but the bank claimed that the information could not be read. I complained because the information was perfectly clear on the file I was submitting but I had no access to the fax they were using to receive the information. I faxed the information again on XX/XX/year>. On XX/XX/year>, I was told that the information was received but could still not be read by the bank. On this call they also informed be that the XXXX utility bill I had submitted was unacceptable to the bank. 
On XX/XX/year>, I faxed information to the bank for the third time, this time including my water bill, my mortgage statement, a health insurance statement, and XXXX additional financial documents. I called the bank and they insisted that they could not read the information. I insisted on the need to have access to my account to be able to pay my, now, late bill, and to pay an upcoming business credit card statement. I sent the fax for the fourth time the afternoon of XX/XX/year>. 
Today, XX/XX/year>, I am express mailing the information to an open XXXX XXXX  address. 
The bank has not provided the requested information I have demanded regarding the person in charge of handling my personal information, and I now have missed XXXX different deadlines for payment. 
I have called on numerous occasions to try to solve this situation, which has now extended for XXXX weeks.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I am filing this complaint because Comenity Bank is reporting inaccurate and misleading information on my credit report regarding my closed XXXX XXXX account. These errors violate the Fair Credit Reporting Act ( FCRA ) and are causing ongoing damage to my credit profile. 

Below are the specific inaccuracies I am disputing : XXXX. Incorrect Credit Usage ( 300 % ) on a Charged-Off Account The account is closed and charged off, yet Experian shows 300 % credit usage, which is impossible and not permitted. 
Closed/charged-off accounts should not continue to report credit utilization. 

This is inaccurate and misleading. 



XXXX. Status Updated Date Is Wrong The credit report shows : Status Updated : XX/XX/XXXX, But Balance Updated : XX/XX/XXXX And Past Due Amount as of XX/XX/XXXX This is contradictory and misleading. 

If XXXX updated the balance in XXXX, the Status Updated date can not remain stuck in XXXX. 



XXXX. Improper Past Due Reporting After Charge-Off The report states : {$450.00} past due as of XX/XX/XXXX Once an account is charged off, it should reflect a fixed charge-off balance, not ongoing monthly past due updates. 

This appears to be continued delinquency reporting, which is not allowed. 



XXXX. Potential Illegal Re-Aging of the Account The report lists : Last Payment Date : XX/XX/XXXX, Yet shows updated data through XX/XX/XXXX If no payments were made after XXXX, Comenity should not be updating delinquency information in XXXX. 
This creates the appearance of a more recent delinquency and may unlawfully extend the reporting period. 



XXXX. XXXX XXXX vs XXXX XXXX The report shows : {$550.00} written off, {$450.00} balance, The amounts do not match and are unexplained. 
This inconsistency violates accuracy requirements under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Duration of Issue : This dispute has been ongoing for more than 1

8 months. The Error : Truist Bank paid property taxes on my behalf that were incorrect or unauthorized, resulting in a surplus/overpayment that belongs to me. Admission of Fault : Truist Bank representatives have verbally acknowledged to me that this payment was an error on their part. Lack of Resolution : Despite this admission, the funds have not been returned. Instead of processing the refund, Truist representatives instructed me to " call the tax department '' myself to resolve an error they created. 
Communication Failure : Truist has refused to communicate with me in writing. I have been told there is " no way '' to document this dispute in writing or via email.

Burden on Consumer : I have spent approximately 90 hours calling their customer service department, often waiting on hold for hours, only to receive no callbacks and no resolution. This " phone-only '' policy prevents me from maintaining a documented paper trail of their inaction.

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 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Withdrawals was made from a XXXX XXXX XXXXXXXX ATM in my TD BANK personal checking Acct account for the Sum of {$630.00}. 
AND I was not the one who made those ATM withdrawals, and they have not provided me with any evidence proving that I was responsible for those transactions. 

Even though the card was in my possession, I am reporting that withdrawals were made at a XXXX  XXXX XXXX ATM and I am not the person who made them. 

I received a letter today XX/XX/year> from them, saying that they denied my claim because in the moment of the transaction, the card was in my possession, which is exactly why I put the claim with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing to file an official complaint regarding Capital Ones handling of two secured credit card applications, security deposits, and subsequent account closures, which I believe constitute deceptive, unethical, and potentially criminal business practices. 

In XX/XX/year>, I applied for a Capital One secured credit card using my Capital One checking account. Capital One withdrew the required security deposit and confirmed that the account had been opened. However, before I ever received the card or had the opportunity to use the account, Capital One abruptly closed it without justification or notice. 

Shortly thereafter, I received another mail offer from Capital One for a secured credit card. I submitted a second application, and again, Capital One immediately withdrew my security deposit from my Capital One checking account and opened the account. Once again, before the card ever arrived, Capital One closed the account without cause or explanation. 

I have now been informed that it will take up to 69 days to receive a refund of the funds that were taken directly from my Capital One checking account. This is unacceptable and appears to be intentional misconduct.

Capital One has now twice : 1. Solicited me with secured credit card offers 2. Accepted and withdrew security deposits 3. Opened accounts in my name 4. Closed these accounts before I ever received a card or had the ability to use it 5. Held my funds for an unreasonable period of timedespite being taken electronically and instantaneously This is fraudulent behavior, and I consider it criminal activity to open accounts, seize funds, close accounts without cause, and delay repayment of money taken from a customer. It is also a violation of fair lending standards and basic consumer protection principles. 

I am demanding the following remedies immediately : A full and immediate refund of all security deposit funds taken from my Capital One checking account A written explanation detailing why both accounts were closed prior to fulfillment Confirmation that no negative information was or will be posted to my credit report Assurance that Capital One will cease any future unauthorized withdrawals or fraudulent account openings in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TN

Complaint narrative:
I am disputing multiple inaccurate and unverifiable accounts on my credit reports that are being furnished by Navy Federal Credit Union and XXXX XXXX XXXX  XXXX These accounts are reporting conflicting, re-aged, incomplete, and mixed information across XXXX XXXX XXXX XXXX resulting in ongoing credit damage. 
XXXX Federal Account * Paid in full XX/XX/year> * Still reporting as Charged-Off * Continued derogatory reporting AFTER payoff * XXXX different closed dates across bureaus * XXXX different account numbers across bureaus * Conflicting statuses ( Charged Off XXXX. Unknown ) XXXX XXXX XXXX XXXX XXXX XXXX  Conflicting payment history ( Other, 60 days late, Current, Unknown ) * Different account numbers * Conflicting closed dates * Missing and incomplete payment history Collections * Number of collection accounts is inconsistent across bureaus * At least two appear to be duplicates * No validation ever provided by collectors Both furnishers and the bureaus have failed to properly investigate, update, or validate the information. These errors violate multiple consumer protection laws : * FCRA 623 ( a ) ( 1 ) ( A ) Accuracy and integrity obligations * FCRA 607 ( b ) Reasonable procedures for accuracy * FCRA 611 ( a ) Failure to conduct proper reinvestigation * FCRA 605 ( c ) Prohibited re-aging of debt * FDCPA 809 ( b ) Lack of validation for collections I am requesting the CFPB to enforce permanent DELETION of all inaccurate and unverifiable accounts from my consumer file due to ongoing credit and financial harm. 
Requested Resolution : Permanent removal of : * Navy Federal Credit Union account XXXX XXXX XXXXXXXX XXXX XXXX accounts * Any collection account that can not be validated I am attaching screenshots showing reporting inconsistencies and errors. 
Please require compliance within XXXX business days.

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