vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverified late payment information being furnished about me to the credit reporting agencies ( XXXX, XXXX, and XXXX ). The information being reported is not accurate, not fully substantiated, and the furnisher has failed to validate or properly investigate the disputed late payments as required by federal law. 
Violations of Federal Law The furnisher and credit reporting agencies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 602 ( A ) Mandates maximum possible accuracy of information contained in consumer reports.

FCRA 611 ( 15 U.S.C. 1681i ) Requires a reasonable reinvestigation of disputed information and mandates deletion of information that can not be verified.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires furnishers to report accurate information and prohibits the reporting of information they know or should know is inaccurate.

Despite my prior disputes, the late payment entries in question continue to be reported without proper validation.

Request for Validation I am requesting that the furnisher and credit reporting agencies provide full validation of the alleged late payments, including : A complete payment history for the relevant period ; Proof that the payments were actually late, including the exact due date, posting date, and method of calculation ; Documentation showing the reported information was verified through a reasonable investigation as required by FCRA 611.

If the furnisher can not provide legally sufficient validation, the FCRA requires the information to be corrected or deleted.

Requested Resolution I respectfully request that the CFPB : Investigate this matter ; Require the furnisher and the credit reporting agencies to provide proper validation ; Remove any late payment entries that can not be fully verified ; Ensure future compliance with the FCRA.

These inaccurate late payments are damaging my credit profile and causing financial harm. I expect a full investigation and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: LA

Complaint narrative:
I am formally disputing the following accounts listed on my credit report due to inaccuracies, non-compliance with FCRA, and incomplete reporting. I demand these items be removed immediately. 

Charged Off Accounts : XXXX XXXX XXXX : XXXX, XX/XX/XXXX, {$330.00}XX/XX/XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX : XXXX, XX/XX/XXXX, {$620.00} XX/XX/XXXXXXXX, XX/XX/XXXX, {$500.00} XX/XX/XXXX XXXX, XX/XX/XXXX, {$31.00} XX/XX/XXXXXXXX, XX/XX/XXXX, {$410.00} XXXX : XXXX, XX/XX/XXXX, {$810.00} These items are inaccurate and incomplete under FCRA standards. I request immediate removal from my credit report. 

Inquiries : XX/XX/XXXX: XX/XX/XXXX XXXX BANK : XX/XX/XXXXXX/XX/XXXXBANK : XX/XX/XXXX XXXX CARD : XX/XX/XXXX XXXX CARD : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX These inquiries are unauthorized and must be immediately removed from my credit report. 

Late Payments : XXXX : XXXX XXXX XXXX : XXXXXX/XX/XXXX: XXXX These late payments are false and need to be corrected or removed immediately.

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 2025-11-26 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Dispute of Inaccurate XXXX XXXX Account Reporting Account Number : XXXX To whom it may concern, I am disputing the XXXX XXXX account listed above. The tradeline contains factual inaccuracies and must be corrected or removed under the Fair Credit Reporting Act. 

The issues are : Missing Date of First Delinquency ( XX/XX/XXXX ) The account shows payment codes but does not list the XX/XX/XXXX, which is required for all derogatory accounts. 

Incorrect Past Due Amount The account is closed, yet the report shows the full balance as past due, which is inconsistent with standard reporting guidelines for closed wireless accounts. 

Conflicting Status Dates The tradeline states Status updated XX/XX/XXXX, yet also displays reporting activity through XXXX. These conflicting dates suggest inaccurate updating. 

Because these items are materially inaccurate, I request that the account be deleted in accordance with the FCRA. 

Please conduct a reinvestigation and notify me of your findings.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This debt was paid and close in 2022  but the company continued to put negative updates on the payment history

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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am disputing an auto loan with American Honda Finance XXXX ( XXXX / Honda Financial Services ) because the dealership submitted a forged and fraudulent retail installment contract ( XXXX ) that I did not sign. 

On XX/XX/XXXX, I went to XXXX XXXX in XXXX XXXX with a pre-approval from XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX listed for {$23000.00}. I authorized the dealership to run my credit only for that financing. I later learned they ran my credit through multiple other lenders without my knowledge or consent and did not provide the required adverse-action notice when the XXXX XXXX financing was not used. 

On the date of purchase, I signed a contract, but I was not provided the full disclosures required under the Truth in Lending Act. Later I discovered that XXXX had been provided with a different contract dated XX/XX/XXXX, which I never reviewed or signed. The signature on the XX/XX/XXXX contract is not mine, and the price was increased from the contract I signed on XX/XX/XXXX. This forged XX/XX/XXXX contract is the document XXXX is attempting to enforce. 

I notified XXXX immediately and filed a police report for forgery. XXXX requested the police report but has not provided written confirmation that the account is on hold or being treated as a fraud dispute. Despite my dispute, on XX/XX/XXXX, a past-due notice was generated threatening negative credit reporting based on the fraudulent contract. 

I am requesting that XXXX : Treat this as a formal fraud dispute involving a forged contract. 
Suspend all billing, collection efforts, and negative credit reporting. 
Confirm in writing that the account is cXX/XX/XXXXed as fraud/under investigation. 
Provide a written explanation of their investigation and findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-11-26 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 ( 15 U.S. CXX/XX/XXXXe 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
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
This is a supplemental complaint related to my prior CFPB Case # XXXX. 

Wells Fargo issued a written denial on XX/XX/year> ( letter attached ). Their response did not address the main issue in my complaint, which is that I notified Wells Fargo of the incorrect pending check amount before it cleared and before the error posted. The depositing bank had already submitted a correction with the Federal Reserve. 

Despite this notification, Wells Fargo allowed the incorrect check to clear, overdrafting my checking account and draining my savings account, which caused measurable financial harm. Their written response only discusses the initial encoding error by the other bank and does not address Wells Fargos actions after they were notified, which was the basis of my compensation request. 

I am requesting that the CFPB require Wells Fargo to provide a complete response addressing this issue and reconsider their denial.

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 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding the following accounts. I request that the items be reviewed and corrected as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
On or around XX/XX/2025, I received a summons from Portfolio Recovery Associates regarding lawsuit for debt owed. I did not receive a right to dispute notice from Portfolio Recovery Associates prior to lawsuit summons. The lawsuit is currently in progress. The company has failed to provide the appropriate 30-day dispute notice regarding claimed debt. The 30-day notice is not included in the company 's lawsuit affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank, N.A.s failure to credit a promotional credit card bonus in accordance with the advertised terms and Citis own published guidance. 

I earned a XXXX AAdvantage promotional bonus after meeting the required qualifying spend on a Citi XXXX AAdvantage credit card. Per the Citi web portal, Miles earned will appear in your AAdvantage account at the end of the billing cycle in which they were earned. That billing cycle has closed. 

My Citi monthly statement reflects the XXXX bonus miles, yet the miles were not credited to my XXXX XXXX XXXX XXXX 

Prior to the statement closing, Citi customer service confirmed the bonus would post after the billing cycle ended. After the cycle closed and the statement issued, I was instead told it could take XXXX billing cycles, a representation that directly contradicts Citis written terms and published disclosures. 

This constitutes noncompliance with advertised promotional terms, material misrepresentation, and an unfair and deceptive practice, as I reasonably relied on Citis published guidance and customer service assurances.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-26 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
Ok, so on XX/XX/XXXX last week, my XXXX XXXX  account was accessed without my knowledge for the second time. Someone this time because no cards linked to my bank were on there, they made a big purchase for {$4300.00}. Installments of 3 months at XXXX. I can't afford that so I sure as XXXX aren't going to purchase what was purchased. Someone purchased, on a fake XXXX  store, a security camera for {$110.00} and a XXXX digital camera for {$3900.00}. I would NEVER buy this XXXX, I have XXXX, I have security cameras already through XXXX. This is a scam and I'm on the hook. I've also reached out to the XXXX  and sent an email saying this is fraud. It's been 7 days and no reply. Also their phone number does not work. Go figure, but their site says 24/7 support.

They said they would do an investigation which could take 30 days, well it only took them 7 and they said it looks like I'm the one that ordered it so it remains my responsibility. This is absurd and I don't know how I'm going to pay this off. I can't afford XXXX a month for 3 months, I have a mortgage and bills to pay. This will ruin my credit. These companies need to do better investigating and be held liable

Company response to consumer: Closed with explanation