vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 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: FL

Complaint narrative:
I am filing a complaint against Equifax for inaccurate and unverifiable late payment reporting on my XXXX  XXXX XXXX account ( opened XX/XX/XXXX ). 

This account is reported fully current by XXXX  with no derogatory marks. Equifax, however, reports XXXX, XXXX, XXXX, and XXXX late payments between XXXX and XX/XX/XXXX. 

I disputed this information directly, but Equifax failed to validate the data. No documentation or proper investigation was provided.

Per the Fair Credit Reporting Act : 1681e ( b ) requires maximum accuracy 1681i ( a ) ( 5 ) requires deletion of unverifiable items 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate data I request that Equifax remove this inaccurate late payment history and update my report to reflect accurate payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding Cardmember Services/ Citi XXXX Retail Services Credit Bureau Disputes ), who failed to properly investigate my credit reporting dispute. 

On or about [ XX/XX/year> ], I disputed an inaccurate account on my credit report with this creditor. I then received a letter dated XX/XX/year>, from Cardmember Services stating that they could not investigate my dispute because they can not locate [ my ] account. 

I provided sufficient information to identify the account, including my name, address, and relevant details of the disputed account in my original dispute. The letter they sent fails to demonstrate a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which obligates furnishers to conduct a reasonable investigation upon notification of a dispute. Simply stating they can not locate my account, without further assistance or reasonable effort to identify it, is not acceptable and violates the FCRA. 

Furthermore, the continued reporting of potentially inaccurate or incomplete information is harming my credit standing. I am requesting the CFPB to please investigate this matter and ensure the creditor performs a full and proper investigation of my dispute and provides a meaningful response. 

Creditor details : Cardmember Services Retail Services Credit Bureau XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX My details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas XXXX XXXX XXXX Attachments included : Copy of the letter dated XX/XX/year> Copy of my original dispute letter Copy of my proof of identity and address ( if applicable ) Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to formally dispute an outdated and inaccurate account currently being reported on my credit file. The account in question is : Creditor : Bank of America Account Number : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/year> Status : Collection/Charge-Off This account is over XXXX XXXX XXXX, with an original open date of XX/XX/year>, and likely became delinquent shortly thereafter. According to the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ) ( 5 ), negative credit informationsuch as charge-offs and collectionsmust be removed after XXXX years from the date of first delinquency. This account far exceeds that legal time frame. 
Therefore, I am requesting that this item be immediately deleted from my credit report across all three bureaus, as it is both outdated and inaccurate.

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 2025-08-03 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have no knowledge or consent to the following accounts or hard inquiries. LVNV FUNDING XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
he account with XXXX XXXXthat starts with XXXX has been paid in full as XX/XX/year>, balance should be updated to XXXX dollars.

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 2025-08-03 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: FL

Complaint narrative:
he account with XXXX XXXXthat starts with XXXX has been paid in full as XX/XX/year>, balance should be updated to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: IL

Complaint narrative:
I am formally disputing the accuracy of the information being reported by Experian on my credit report regarding an account listed as : - Creditor Name : XXXX XXXX - Account Type : Installment Unsecured Loan - Account Open Date : XX/XX/year> - Experian Reporting Status : Derogatory Late 90 Days - Comment : Debt included in or XXXX through Bankruptcy Chapter XXXX bankruptcy on XX/XX/year> Disputed Issue : Experian is reporting a XXXX late payment after the account was included in XXXX  XXXX bankruptcy, which was XXXX. This reporting is inaccurate and a violation of my rights under federal consumer protection laws. Violations Cited : - 15 U.S.C. 1666b ( a ) : A creditor may not treat a payment as late for credit reporting purposes if the payment was made within the creditors grace period.

- 15 U.S.C. 1637 ( b ) : Creditors must report accurate statements and account activity to consumers.

Reporting a late payment when the account was in bankruptcy protection is materially false and misleading. 
Additionally, this appears to violate the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing inaccurate or incomplete information to credit bureaus. Supporting Evidence : Attached is a screenshot from my credit report showing the inaccurate late payment reporting after the bankruptcy filing and discharge. The balance was {$0.00} and the account was closed. No payments were required during the bankruptcy protection period.

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 2025-08-03 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: FL

Complaint narrative:
I am filing a complaint against Equifax for inaccurate and unverifiable late payment reporting on my XXXX  XXXX XXXX account ( opened XX/XX/XXXX ). 

This account is reported fully current by XXXX  with no derogatory marks. Equifax, however, reports XXXX, XXXX, XXXX, and XXXX late payments between XXXX and XX/XX/XXXX. 

I disputed this information directly, but Equifax failed to validate the data. No documentation or proper investigation was provided.

Per the Fair Credit Reporting Act : 1681e ( b ) requires maximum accuracy 1681i ( a ) ( 5 ) requires deletion of unverifiable items 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting inaccurate data I request that Equifax remove this inaccurate late payment history and update my report to reflect accurate payment status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint due to a serious data breach involving my personal information with [ XXXX  / TransUnion / XXXX  ]. My sensitive data has been exposed on the black web, which is a direct result of the companys failure to safeguard my information as required by law. Because of this negligence, I demand that my credit report be corrected or fully removed ( sponged ) until my information can be secured and verified. I expect CFPB to intervene and ensure the credit bureau complies with their legal obligations under the Fair Credit Reporting Act. Please assist in resolving this issue promptly and hold the bureau accountable for the breach.

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 2025-08-03 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: VA

Complaint narrative:
Please refer to attatched files, due to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Im filing this complaint because Capital One mishandled my account, misled me, and caused financial stress.

On a recent call, a Capital One representative told me that a {$200.00} payment had been received and that a temporary hold on my account would be lifted. They said my available credit would be restored by XXXXXXXX XXXX the next morning. That did not happen. 

I checked my Capital One account, and the available credit was still only {$3.00} no credit was restored. Then I checked my XXXX account, and the {$200.00} was still sitting in my balance. It was never pulled by Capital One, meaning the payment they claimed to see was never actually processed. 

When I called back, I was told different things by different reps, and nobody could explain why the payment wasnt taken or why I was misled. This has caused me to lose access to needed credit and wasted my time. 

I want this investigated, and I want Capital One held accountable for the misinformation and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Step 1 : Understand the Reported Entry Youre dealing with : Creditor : XXXX  Account Type : Auto Loan Status : Charge-off / Profit and Loss Write-Off Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance Remaining : {$7000.00} Highest Balance : {$18000.00} Payment History : 82 % on-time ; last payment XX/XX/XXXX Late Payments Reported : 2 times ( 3059 days ) Current Status : Derogatory Step 2 : Assess Potential Legal Violations Under the FCRA ( 15 U.S. Code 1681 ) and FDCPA ( 15 U.S. Code 1692 ), you have the right to accurate, verifiable, and complete reporting. You can challenge this item if any of the following applies : Possible Dispute Grounds Incorrect Status or Dates : If payment history is inconsistent ( e.g., showing " Warning '' for all months but also reports 82 % on-time payments ), that's a possible reporting error.

If the charge-off was applied before 120180 days of nonpayment, this may be incorrect per FCRA guidelines.

No Validation of Debt ( FDCPA Violation ) : If you never received a proper validation notice or breakdown of the balance when requested, the reporting party may be in violation.

Balance Inconsistency : If the original loan was {$18000.00} and {$7000.00} remains, but a charge-off occurred and the lender continues to report a balance, it may violate FCRAs rules on how charged-off accounts should appear.

Misleading Notation : If a charge-off account is still collecting payments or accruing interest, it can be considered misleading or incomplete, triggering your right to dispute.

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 2025-08-03 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:
Step 1 : Understand the Reported Entry Youre dealing with : Creditor : XXXX  Account Type : Auto Loan Status : Charge-off / Profit and Loss Write-Off Opened : XX/XX/XXXX Closed : XX/XX/XXXX Balance Remaining : {$7000.00} Highest Balance : {$18000.00} Payment History : 82 % on-time ; last payment XX/XX/XXXX Late Payments Reported : 2 times ( 3059 days ) Current Status : Derogatory Step 2 : Assess Potential Legal Violations Under the FCRA ( 15 U.S. Code 1681 ) and FDCPA ( 15 U.S. Code 1692 ), you have the right to accurate, verifiable, and complete reporting. You can challenge this item if any of the following applies : Possible Dispute Grounds Incorrect Status or Dates : If payment history is inconsistent ( e.g., showing " Warning '' for all months but also reports 82 % on-time payments ), that's a possible reporting error.

If the charge-off was applied before 120180 days of nonpayment, this may be incorrect per FCRA guidelines.

No Validation of Debt ( FDCPA Violation ) : If you never received a proper validation notice or breakdown of the balance when requested, the reporting party may be in violation.

Balance Inconsistency : If the original loan was {$18000.00} and {$7000.00} remains, but a charge-off occurred and the lender continues to report a balance, it may violate FCRAs rules on how charged-off accounts should appear.

Misleading Notation : If a charge-off account is still collecting payments or accruing interest, it can be considered misleading or incomplete, triggering your right to dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, my account was suspended apparently due to unusual activity, which Im so confused on that because I havent done anything illegal or anything out of my account at all. I personally added my money to my account and not just asking me for ID verification, which is very confusing. I asked will my funds be released to me in the meantime of them investigating my account and they told me no and they cant even give me a reason on why my account was even suspended when I havent even did anything to my account but use it how I regularly use it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I have on my credit report some of the hard inquiries that I dont know about, I call the company to remove them they didnt want to help me I contacted the credit bureau : XXXX XXXX XXXX they did not help me also.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I booked a XX/XX/XXXX flight through Chase travel portal from XXXX to XXXX  which was for my girlfriend and I who were on vacation using a combination of points and card for a total value of {$1700.00}. There was a death in the family which interrupted our trip. I called on XX/XX/XXXX to cancel the trip, citing the fact that there was a death in the family which is specifically included in the policies for full refund. I was told I could get a partial refund then, or if I submitted a death certificate, I would get the full refund due to the airline 's policies. I proceeded to collect the death certificate, and then submit for a full refund in following days. All of these engagements needed to go through chase travel portal instead of directly with the airline because that is where I booked. I made contact with chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX spending several hours on the phone with them. Despite submitting a perfectly legible XXXX, and subsequently, XXXX, my refund has been repeatedly denied, in full, citing " the death certificate is not legible. '' They have since closed my case repeatedly despite my attempts to continue the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital is currently reporting a charge off, I have paid the balance in full and received my title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XX/XX/XXXX, the account from XXXX XXXX XXXX XXXX to Equifax under XXXX account number XXXX, was listed as charged off as bad debt with a balance of {$6800.00}. The account was opened on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, and is also marked as Profit and Loss Writeoff. 

I submitted a formal dispute to Equifax more than 30 days ago, and no sufficient verification or documentation was provided by the bureau or the creditor, as required under the Fair Credit Reporting Act ( FCRA ) 611. According to the FCRA, unverifiable or inaccurate information must be deleted.

Additionally, this account was charged off and likely claimed as a tax loss, yet I never received a 1099-C from the original creditor. If the debt was forgiven or written off, continued reporting without proper documentation may constitute inaccurate or misleading information.

I am formally requesting that this account be deleted from my Equifax credit report due to failure to verify the debt, questionable reporting status, and possible violation of the FCRA.

Company response to consumer: Closed with explanation