vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: MI

Complaint narrative:
I am writing to formally submit a complaint against XXXX and the credit reporting agencies for their continued reporting of accounts that have been paid in full. 

Background : I had multiple accounts with XXXX. 

These accounts have been paid in full and should not continue to reflect negatively on my credit report. 

Despite my payments being completed, the accounts remain listed, which is inaccurate and misleading to current and future creditors. 

Basis of Complaint : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., furnishers of credit information ( such as XXXX ) and consumer reporting agencies are required to ensure that information they report is accurate, complete, and up to date. Continuing to report accounts as open, delinquent, or otherwise negatively after they have been satisfied constitutes a violation of : Section 1681i ( Reinvestigation of disputed information ) failure to properly investigate and update disputed information. 

Section 1681s-2 ( Responsibilities of furnishers ) duty of furnishers like XXXX to report accurate information and correct errors. 

Requested Resolution : Immediate removal of all XXXX accounts that have been paid in full from my credit report. 

Written confirmation that these accounts are no longer being reported to any consumer reporting agency. 

Assurance that my credit profile will accurately reflect my payment history.

Stronger Grounds for Immediate Removal : Since the accounts were installment agreements and are now paid in full, they should no longer be reported as active. Any continued negative reporting is materially misleading and unfairly damages my creditworthiness. 

The FCRA also provides that consumers have the right to request deletion of information that can not be verified. If XXXX or the credit reporting agencies can not provide full verification of these paid accounts, they must be removed immediately. 

Given that these accounts are no longer outstanding debts, I request their deletion as an equitable remedy to avoid unjust harm to my financial standing. 

Please investigate this matter promptly and require XXXX and the credit reporting agencies to correct this inaccurate reporting. I am also requesting updates on the status of this complaint, as required by CFPB procedures.

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 2025-08-26 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: PA

Complaint narrative:
Let me be clear : this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts requirement of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am writing to urgently escalate my concerns regarding the release of insurance funds for the damage to my home. The water damage occurred in early XX/XX/year>, and despite my consistent follow-up, the restoration process has been stalled due to slow disbursement of funds. 

XXXX XXXX, who performed the mitigation, has not been fully paid as of XX/XX/year>. Although my insurance company issued payment in XXXX, which I promptly signed and returned, I was later told the funds would only be released in increments as needed. I have complied with every document request, submitted all required paperwork, and completed inspections as directed. Yet, progress has been extremely limited. 

At this time, only the cabinet portion of the work has been covered. Funds for critical items such as flooring and countertops remain unpaid, leaving my kitchen unusable. For nearly XXXX months, my child and I have been living without a functional kitchen, forced to rely heavily on eating out. This has been not only financially burdensome but also detrimental to both of our health and well-being. 

The repeated delays, constant inspections after each minor step, and lack of clear resolution have created an overwhelming hardship for my family. As we approach XXXX, it is unreasonable that we remain in this situation with so little progress made. 

I have been respectfully requesting immediate assistance in releasing the remaining funds so that the contractor XXXX complete the work and restore safe, livable conditions for my family. I would greatly appreciate your prompt attention and compassion in helping resolve this matter.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
Subject : Complaint Against Debt Collectors for Harassment and Unverified Accounts To Whom It May Concern, I am submitting this complaint regarding ongoing harassment from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I am being contacted by collection agencies that are threatening me with consequences if I do not pay. These collectors are pressuring me, yet I have not received any proper validation of the debts they claim I owe. 

I do not recognize the account they are attempting to collect, and I am concerned that they may be reporting inaccurate or fraudulent information to the credit bureaus. Despite my requests for validation, the collectors continue to contact me in an aggressive manner. 

This conduct is causing me stress and financial harm. I am requesting that the CFPB investigate these debt collectors for potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including : Making threats or using harassment to collect a debt. 

Continuing to attempt collection without providing proper validation of the accounts. 

Potentially reporting inaccurate information to the credit bureaus. 

I ask that the CFPB take action to stop this behavior and ensure that my consumer rights are protected. 

Attached are any supporting documents I have, including copies of letters, collection notices, or call logs, if needed. 

Thank you for your assistance. 



Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
We opened a security deposit account with amount of {$2400.00} on XX/XX/year> at the CitiBank XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The only document we ever received for this account was the opening statement dated XX/XX/year> ( attached ). Since then, CitiBank has not provided us with any subsequent account statements, either electronically or by mail. 

The account now appears to be missing. Despite our repeated inquiries over an extended period, CitiBank has been unable to locate the account. While we were initially assured that a search would be conducted, we were ultimately informed that no records could be found. 

We have requested a refund of our security deposit ; however, CitiBank has refused.

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 2025-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was trying to finance a car & I realized I have damages on my credit that I did not have no knowledge of. According to the 15 U.S.C 1681 law there should not be any damages on my report is a defamation to my character. 




XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> [ Experian / TransUnion / Equifax ] Re : Failure to Comply with FCRA Follow-Up Demand for Deletion of Unverified Accounts To Whom It May Concern : On XXXX, I submitted a written dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requesting reinvestigation of certain items in my credit file and the deletion of any information that could not be verified. 

As of today, more than 30 days have passed since you received my dispute, yet : I have not received a written response regarding the results of your reinvestigation ; or Items that are unverifiable and therefore must be deleted remain in my credit file. 

Please be advised that your failure to comply with the FCRA constitutes a violation of federal law. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires you to conduct a reasonable reinvestigation within 30 days of receipt of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that unverifiable information be promptly deleted from the consumers credit file. 
15 U.S.C. 1681n and 1681o provide for civil liability for willful or negligent noncompliance, including actual damages, statutory damages, costs, and attorneys fees. 

This letter serves as my final demand for compliance. I insist that you immediately delete any and all information in my credit report that you can not verify as accurate, and provide me with an updated copy of my credit file reflecting those deletions. 

Failure to comply within 15 days of receipt of this letter will leave me with no choice but to escalate the matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Considering legal action for your failure to meet obligations under the FCRA. 

I expect your prompt attention and full compliance with federal law. 

Sincerely, XXXX XXXXXXXX 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 2025-08-26 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: NJ

Complaint narrative:
I was trying to finance a car & I realized I have damages on my credit that I did not have no knowledge of. According to the 15 U.S.C 1681 law there should not be any damages on my report is a defamation to my character. 




XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> [ Experian / TransUnion / Equifax ] Re : Failure to Comply with FCRA Follow-Up Demand for Deletion of Unverified Accounts To Whom It May Concern : On XXXX, I submitted a written dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, requesting reinvestigation of certain items in my credit file and the deletion of any information that could not be verified. 

As of today, more than 30 days have passed since you received my dispute, yet : I have not received a written response regarding the results of your reinvestigation ; or Items that are unverifiable and therefore must be deleted remain in my credit file. 

Please be advised that your failure to comply with the FCRA constitutes a violation of federal law. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires you to conduct a reasonable reinvestigation within 30 days of receipt of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) requires that unverifiable information be promptly deleted from the consumers credit file. 
15 U.S.C. 1681n and 1681o provide for civil liability for willful or negligent noncompliance, including actual damages, statutory damages, costs, and attorneys fees. 

This letter serves as my final demand for compliance. I insist that you immediately delete any and all information in my credit report that you can not verify as accurate, and provide me with an updated copy of my credit file reflecting those deletions. 

Failure to comply within 15 days of receipt of this letter will leave me with no choice but to escalate the matter, including but not limited to : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
Considering legal action for your failure to meet obligations under the FCRA. 

I expect your prompt attention and full compliance with federal law. 

Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The account is still reporting on the credit file, it is still closed, reporting as active

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
I am disputing the continued reporting of a XXXX XXXXXXXX XXXX AAFES account that is being reported as a collection/charge-off on my credit reports. The account shows conflicting balances ( {$4600.00} vs. {$4500.00} ) and has not been properly validated despite multiple requests. 

On XX/XX/year>, I sent a formal debt validation request to XXXX XXXX ( AAFES  ). On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX, the collection agency they referred the account to. On XX/XX/year>, I disputed the tradeline with XXXX. I also disputed with XXXX  and XXXX. 

On XX/XX/year>, AAFES responded in writing stating that they are not bound by the FDCPA and directed me to XXXX XXXX for validation. However, neither AAFES nor XXXX has provided : A signed contract showing I am legally obligated to this debt An itemized accounting of the alleged balance Documentation of payments, charges, or calculation of amounts Proof that XXXX XXXX is legally authorized to collect or furnish this debt Despite the lack of validation and disputing it with XXXX, XXXX, and XXXX, all XXXX  credit bureaus verified the account and continue to report it as a collection with inconsistent balances. 

This tradeline is misleading, unverifiable, and violates the Fair Credit Reporting Act ( FCRA ), which requires information furnished to credit bureaus to be accurate and verifiable.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: MI

Complaint narrative:
A debt collector put on my credit report as a collection for {$480.00}. I am livid. I am a veteran and do not owe this company anything and now impacting my credit. Remove off my report asap. I am appalled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I was wrongly charged for a stay for XXXX cash app took the payment XXXX wil not refund me but verified I was able to get a refund but needs a written request which they can not get from company from none response for about a month due to a bedbug issue at a hotel. I sent documents to cash app but now they ignoring me keep declining my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One closed my account without notifying me and just said they mailed a check out of nowhere because I apparently didn't give them enough identity info. The check got lost in the mail. I filed out an afidavit last Monday to get the check canceled and another one issued. They are now telling me that they can't issue a second one until 90 days after the first one which will be the end of XXXX. I'm out ALOT of money because of this and I'm furious. This can't be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I sent several certified letters to Experian, TransUnion and Equifax over the last six months concerning inaccurate information being reported on my credit profile. In a retaliatory response to my request for investigation, Experian completed removed my current mortgage and vehicle payments from my credit profile, shows the accounts as closed and issued me a XXXX FICO score. I have made timely payments on the mortgage since XXXX and on the vehicle since XXXX. Both accounts are currently in good standing and paid on time. Those facts are not reflected in any other the three credit bureaus. 

Both TransUnion and Equifax are also reporting the same erroneous information, and all three have failed and refused to correct or update the information. All three bureaus are currently reporting accounts that were XXXX in bankruptcy as delinquent, charged off and closed. 

This erroneous reporting is intentional and injurious to my credit rating hand has resulting in credit denials, increased interest rates, mental distress and refusal of employment opportunities.

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