vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: IN

Complaint narrative:
I am filing this complaint because my Capital One XXXX XXXX ( ending in XXXX ) was closed without valid cause despite a strong and consistent payment record. 

Around XX/XX/year>, XXXX scheduled payment was returned because I mistakenly sent it from another Capital One debit account where the funds were still pending from a prior withdrawal. This was not intentional and was simply a timing error. 

As soon as I realized the issue, I immediately made new payments totaling over {$450.00}, and my account was brought fully current within days. My following statements ( XXXX through XX/XX/year>, attached ) clearly show : payments made on time A credit balance ( {$24.00} ) in XX/XX/year>, showing I even overpaid Continued responsible account usage afterward Despite this, on XX/XX/year>, I received a letter stating that Capital One was closing my account due to activity inconsistent with typical customer account usage. This appears to be a misunderstanding of the brief returned payment, which was immediately resolved and never resulted in a delinquent balance. 

This closure feels unfair and disproportionate, especially given my consistent history of payments, overpayments, and low balance maintenance. It also negatively affects my credit score and utilization ratio, which seems unjust given the circumstances.

Resolution requested : 1. Please reinstate my credit card account or reopen it, under a new account number if need be 2. Remove any negative credit reporting related to this closure, as it does not accurately reflect my payment behavior. 

Attachments include : Transaction history showing the returned payment and full repayment XXXX 2025 monthly statements showing consistent payments and positive balance XXXX Ones account closure notice dated XX/XX/year> This closure appears to be based on a one-time, resolved banking timing error not misuse, fraud, or any pattern of missed payments. I respectfully request that this be reviewed for correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I prequalified on XXXX for refinance, the company pulled my report completely when It was not suppose to be pulled on my credit.

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 2025-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions XXXX continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-04 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: TX

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 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 2025-11-04 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: FL

Complaint narrative:
I am writing to formally dispute the following negative items on my credit report. I believe the information regarding the following accounts may be inaccurate : XXXX. XXXX o Account Status : Charge Off o Balance : {$560.00} o Remarks : Placed for collection. 
o XXXX request confirmation of the collection status and that the balance and account history are accurate. 
XXXX. XXXX XXXX o Account Status : Charge Off o Balance : {$370.00} o Payment History : 50 % of payments made on time. 
o XXXX request verification of the account status and payment history. 
Please conduct an investigation into these accounts, and remove or correct any inaccurate or unverifiable information. If you can not provide documentation supporting the reported information, I request these items be removed from my credit report. 
Thank you for your attention to this matter. Please respond within the XXXX period required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On Thursday, XX/XX/XXXX, I was coerced by an armed individual into making a {$600.00} withdrawal ( via a fraudulent check provided by the suspect that I was forced under threat to deposit ) from a Wells Fargo ATM against my will. The transaction was made under duress, and I attempted to stall so that the suspects face would appear on camera. Wells Fargo closed my claim after XXXX business days without contacting me or reviewing the ATM footage, then sent my account to collections. 

I believe Wells Fargo failed to properly investigate under Regulation XXXX ( XXXX XXXX XXXX ). I request that they reopen my case, review the ATM footage, refund the coerced withdrawal, and remove any negative credit reporting.

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 2025-11-04 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: HI

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
This report of a late payment is inconsistent with my payment record. Kindly update my account.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
This is a follow-up to CFPB complaint. Spring Oaks Capital stated in writing on [ date ] that they would remove their trade line. As of XX/XX/2025 it still appears as unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I Looked At My Credit Report & Noticed A Collection That Is Not XXXX XXXX XXXX. I Do Not Have A Signed Contract With This Company, Never Done Business With Them & I Dont Know Who They Are. 

I obtained a copy of my consumer report. There are so many inaccuracies on this fraudulent account. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system, its also stopping me from moving to a new apartment. I have been denied for credit cards and apartment applications because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear. pursuant too XXXX USC XXXX ( a ) ( XXXX ). Also, your company failed to respect my privacy according to XXXX USC XXXX ( a ) ( XXXX ) PLEASE DELETE THIS FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT. 
IT IS IDENTITY THEFT & I HAVE A RIGHT TO SUE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I Looked At My Credit Report & Noticed A Collection That Is Not XXXX XXXX XXXX. I Do Not Have A Signed Contract With This Company, Never Done Business With Them & I Dont Know Who They Are. 

I obtained a copy of my consumer report. There are so many inaccuracies on this fraudulent account. This has not only damaged my right to extend credit but it has made me lose hope and trust within the banking system, its also stopping me from moving to a new apartment. I have been denied for credit cards and apartment applications because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why XXXX made it very clear. pursuant too XXXX USC XXXX ( a ) ( XXXX ). Also, your company failed to respect my privacy according to XXXX USC XXXX ( a ) ( XXXX ) PLEASE DELETE THIS FRAUDULENT ACCOUNT OFF OF MY CREDIT REPORT. 
IT IS IDENTITY THEFT & I HAVE A RIGHT TO SUE.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have called more than once, to see why there is a hold on my credit limit when they have received my payment, it shows it has been deducted from my bank account, yet, the amount of credit available does not reflect the payment for up to XXXX weeks after it shows it has been deducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I was a Co-Signer on My Daughters Ford XXXX. The other vehicle rear ended her in XXXX. NJ XXXX. XXXX, NJ has the police Report & I want a copy of it. As I was called & embarrassed by the Military, where I was working on getting a VA loan for a place to lay my head at night! I became homeless after 7 years, during XXXX & the Real Estate investors Greed! I got tossed to the street, after 3 months of the sale of my home. I trashed my credit bc of this, bc I too, need a place to rest my head at night. So I had to max out all of my credit cards, to stay in hotel rooms for the past 4 years! I have been renting & out of my Childhood home, since I was XXXX. I am now, XXXX & had a XXXX hour back XXXX & now, I dont have any balance so I can work & make money. If I went back to work & fell, as I always do, I would tell my Family to sue for Millions bc I need to live to & XXXX keeps denying my XXXX AND SSDI, for the XXXX time! They too have reneged on the contact I signed with them, when I first started paying taxes! Now, I have a Pro Bono after XXXX & XXXX, for this mess, they put me in, aggravation, stress, diagnosed malnourished, bc I didnt have food to eat! This XXXX Ford XXXX was paid in full to Ford Motor Credit under the claim and XXXX insurance. Get XXXX off my report please!!! Its been years past & this pops up on all XXXX of my Major Credit Bureau Reports! I demand NOW, please!! Date of loss was XX/XX/XXXX on a XXXX Ford XXXX. It had XXXX Insurance & paid in full by the insurance company of the other vehicle that pretended my Daughter!! Its not even my car, XXXX totaled & PAID IN FULL!! HELP PLEASE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: World Acceptance Corporation
State: MS

Complaint narrative:
I am disputing an old debt originally from World Finance that was sold to XXXX XXXX XXXX. XXXX XXXX XXXX confirmed in writing that the debt is uncollectible due to the Mississippi statute of limitations. However, this account is still being reported on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), accounts may not be reported for more than XXXX years from the date of first delinquency. I believe this account is obsolete and should be permanently removed. 
I have contacted both World Finance and XXXX XXXX XXXX, and they stated there is nothing they can do. I am requesting the CFPB ensure the debt collector and credit bureaus delete this inaccurate or outdated item from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I filed a credit card dispute with XXXX for a {$1500.00} PayPal transaction. I later closed the dispute to return the funds to PayPal. XXXX confirmed that the {$1500.00} reversal was sent back to PayPal through the XXXX network around XX/XX/year>. 

Despite this, PayPal continues to claim they never received the funds and refuses to investigate or coordinate with XXXX or XXXX to locate them. 

XXXX says they can not reopen the claim since it is closed, and that PayPal must trace the incoming credit. I am now missing {$1500.00} while both companies refer me to each other without resolution. 

I am requesting that XXXX provide written confirmation of the XXXX XXXX Reference Number ( XXXX  ) and that PayPal be required to investigate and reconcile the incoming reversal funds through their financial operations team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-04 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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