vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I am asking for your assistance in reviewing accounts from companies that are wrongly reporting late payments. After going over my credit report, I noticed incorrect late payment entries on some accounts. These remarks are inaccurate and should not be there. Kindly remove them and update the accounts to reflect a positive status as agreed.

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/XXXX I opened an car installment loan with regional acceptance corporation. Payments were {$550.00} monthly. I paid XXXX. The original balance they are reporting to my credit report is XXXX. So in actuality I paid XXXX over. I guess that was the interest. Well in XX/XX/XXXX the car was repossessed. I fell behind on those high payments 6 years later. Well the past two years I have been fixing my credit. According to my credit report I owe XXXX. Last account update was XX/XX/XXXX. They are reporting the last payment was in XXXX for how much? And who. They are reporting XXXX was written off and I still owe XXXX. I have disputed the inaccurate information and apparently the credit reporting agencies are not doing the proper investigation. Because they come back with this item will remain until XX/XX/XXXX. Not only has this company robbed me but they have been destroying my life and credit for 11 years. They took the car and food from my XXXX children. I have attempted to call and email. Either I'm disconnected or transferred. The last time I was able to get a live person she stated that the account was sold to a collection agency. Supposedly transferred me to them but I got a credit repair company that said they were working with regional acceptance corporation and I paid XXXX thinking they could help me but I was robbed again. This is a notice of direct dispute with them under the provisions of FCRA 623 ( a ) ( 8 ) ( d ) of the accuracy of the information they have reported to my credit file. This is a direct dispute of 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 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-14 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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
Dept Of AIDV XXXX XXXX XXXX XXXX XXXX XXXX XXXX This item was never authorized and is being reported without my consent. Please reinvestigate and delete if unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Globe Acceptance, Inc.
State: IA

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit file under the Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S.C. 1681i. The account listed below is being reported as a charge-off, and I believe this information is either inaccurate, incomplete, or can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : XXXX Payment of {$500.00} Sent on XX/XX/XXXX Not Received by Recipient Hello, On XX/XX/year>, I sent {$500.00} through XXXX from my Capital One account to a friend using their correct email address. I authorized the payment, but the intended recipient never received the funds. 

The transaction shows as Completed on my Capital One account, but my friend has checked their account and XXXX activity and did not receive the payment. They also contacted XXXX support, who told them to reach out to the sending bank ( Capital One ). 

I believe the payment was either misrouted, intercepted, or sent to a different recipient by mistake. XXXX requesting that Capital One : XXXX. XXXX a full XXXX investigation XXXX. Provide the trace ID and confirmation of where the funds were delivered XXXX. Attempt a reversal or recover the funds from the incorrect recipient I was denied help previously, but XXXX asking for a re-investigation, since the money is missing, and the recipient has not received it. 

Please treat this as a formal dispute and help resolve the issue. 

Thank you, XXXX XXXX XXXX XXXX Capital One Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GREENSTATE CREDIT UNION
State: IA

Complaint narrative:
I am writing to formally dispute the reporting of a collection account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), pursuant to 15 U.S.C. 1681i. The account has been paid in full, yet it is still being reported inaccurately or in a misleading manner.

The account is older than 7 years and should no longer appear on my credit report under FCRA 605 ( a ). ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: AK

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
artment, I am writing to formally dispute the inaccurate and inconsistent reporting of an account listed under the partial account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. This account is currently being reported by TransUnion, Experian, and Equifax with material discrepancies that violate the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 611 ( A ).

The following violations are noted : 1. Conflicting Account Balances Across Bureaus TransUnion reports a balance of {$190.00} as of XX/XX/XXXX. 
Experian reports the balance as {$0.00}, with a final activity date of XX/XX/XXXX. 
Equifax reports the balance as {$190.00} as of XX/XX/XXXX. 
These inconsistencies make it impossible for the report to be deemed accurate or verifiable under FCRA 607 ( b ).

2. Improper Post Charge-Off Updates TransUnion reports a charge-off in XX/XX/XXXX, yet the account continues to update monthly with derogatory status through XX/XX/XXXX, which constitutes re-aging of debta clear FCRA and Metro 2 violation. Once charged off, the account should not reflect new negative activity.

3. Violation of Metro 2 Guidelines An account can not reflect a Balance Owed and Charge-off status simultaneously beyond the charge-off month. This misrepresentation inflates the debt and falsely depresses my credit rating.

4. Dispute Markings Not Properly Maintained All three bureaus list the account as Account not disputed, despite my previous dispute activity. FCRA 611 mandates that any account under dispute reflect that status during investigation and beyond if unresolved properly.

Requested Resolution Under FCRA : Pursuant to my rights under the Fair Credit Reporting Act, I demand the following actions be taken immediately : 1. Full deletion of this account from all three credit bureaus for failure to meet the standard of complete and accurate reporting, or : 2. Accurate correction, including : Balances uniformly reported across bureaus.

Removal of any updates post charge-off.

Proper date of first delinquency preserved and not re-aged.

Inclusion of dispute notation if investigation was not legitimately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: VA

Complaint narrative:
artment, I am writing to formally dispute the inaccurate and inconsistent reporting of an account listed under the partial account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. This account is currently being reported by TransUnion, Experian, and Equifax with material discrepancies that violate the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ), 607 ( B ), and 611 ( A ).

The following violations are noted : 1. Conflicting Account Balances Across Bureaus TransUnion reports a balance of {$190.00} as of XX/XX/XXXX. 
Experian reports the balance as {$0.00}, with a final activity date of XX/XX/XXXX. 
Equifax reports the balance as {$190.00} as of XX/XX/XXXX. 
These inconsistencies make it impossible for the report to be deemed accurate or verifiable under FCRA 607 ( b ).

2. Improper Post Charge-Off Updates TransUnion reports a charge-off in XX/XX/XXXX, yet the account continues to update monthly with derogatory status through XX/XX/XXXX, which constitutes re-aging of debta clear FCRA and Metro 2 violation. Once charged off, the account should not reflect new negative activity.

3. Violation of Metro 2 Guidelines An account can not reflect a Balance Owed and Charge-off status simultaneously beyond the charge-off month. This misrepresentation inflates the debt and falsely depresses my credit rating.

4. Dispute Markings Not Properly Maintained All three bureaus list the account as Account not disputed, despite my previous dispute activity. FCRA 611 mandates that any account under dispute reflect that status during investigation and beyond if unresolved properly.

Requested Resolution Under FCRA : Pursuant to my rights under the Fair Credit Reporting Act, I demand the following actions be taken immediately : 1. Full deletion of this account from all three credit bureaus for failure to meet the standard of complete and accurate reporting, or : 2. Accurate correction, including : Balances uniformly reported across bureaus.

Removal of any updates post charge-off.

Proper date of first delinquency preserved and not re-aged.

Inclusion of dispute notation if investigation was not legitimately

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 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violates the consumer XXXX protection act ( XXXX  ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfers act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/year> I am submitting this letter as a formal request under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 611, to initiate a dispute regarding multiple entries appearing on my consumer credit file with your agency.

Upon careful review of my credit report, I have identified several adverse accounts and derogatory remarks that I believe to be either : Inaccurate, Incomplete, Outdated, or Not verifiable per your obligations under the FCRA.

These negative accounts are contributing to an unjust and misleading picture of my creditworthiness, and I am exercising my right to dispute these items and request that they be either corrected or permanently deleted if they can not be verified with original documentation from the furnisher.

Please treat this letter as a formal dispute of all such items that meet any of the criteria above.

Specifically, I am requesting the following : 1. A thorough investigation of all negative and derogatory entries on my report ; 2. Immediate removal of any information that can not be 100 % verified through original source documents ; 3. Written documentation validating the reporting accuracy of each negative item in dispute ; 4. Notification of any deletions or corrections made following your investigation.

I am also reminding your agency of its duty under FCRA 611 ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice. If you are unable to verify these entries in compliance with federal law, they must be removed.

Enclosed : Copy Subject : Demand for Full Verification and Removal of Inaccurate Accounts & Security Alert Under FCRA 609 To Whom It May Concern, Experian Transunion, Equifax Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 609, I am formally requesting a full investigation and immediate removal of all unverified, outdated, inaccurate, or fraudulent information listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/year> I am submitting this letter as a formal request under my rights provided by the Fair Credit Reporting Act ( FCRA ), specifically Section 611, to initiate a dispute regarding multiple entries appearing on my consumer credit file with your agency.

Upon careful review of my credit report, I have identified several adverse accounts and derogatory remarks that I believe to be either : Inaccurate, Incomplete, Outdated, or Not verifiable per your obligations under the FCRA.

These negative accounts are contributing to an unjust and misleading picture of my creditworthiness, and I am exercising my right to dispute these items and request that they be either corrected or permanently deleted if they can not be verified with original documentation from the furnisher.

Please treat this letter as a formal dispute of all such items that meet any of the criteria above.

Specifically, I am requesting the following : 1. A thorough investigation of all negative and derogatory entries on my report ; 2. Immediate removal of any information that can not be 100 % verified through original source documents ; 3. Written documentation validating the reporting accuracy of each negative item in dispute ; 4. Notification of any deletions or corrections made following your investigation.

I am also reminding your agency of its duty under FCRA 611 ( a ) ( 1 ) ( A ) to conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice. If you are unable to verify these entries in compliance with federal law, they must be removed.

Enclosed : Copy Subject : Demand for Full Verification and Removal of Inaccurate Accounts & Security Alert Under FCRA 609 To Whom It May Concern, Experian Transunion, Equifax Under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 609, I am formally requesting a full investigation and immediate removal of all unverified, outdated, inaccurate, or fraudulent information listed below.

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 2025-06-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I have a Capital One card that was a XXXX account. In XXXX of XXXX capital One chose to end the relationship with XXXX and change to XXXX XXXX  They allowed a subscription to XXXX be charged to my XXXX and never gave me a notice that this charge was pending and going to be charged to my account. I would have never allowed that charge to go through. Nobody can provide me with a document stating that my XXXX  card had the authority to automatically charge renewal subscriptions, or give me the opportunity to decline renewal subscriptions. I denied the charge and have gone through the process of submitting documents. I keep getting messages that my submissions are not enough. I think I should be given notice for these types of transactions and capital one has been no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a credit card account with JPMCB/Chase that XXXX opened in XX/XX/year>. The credit limit was {$800.00}. I paid the account off, but they still reported it as charged off and claimed I owed {$2200.00}, which is more than my original limit. That balance is not accurate, and I was never given a breakdown or proper validation of that amount. 

I attempted to resolve this directly with the creditor, but they continued to report the full amount as past due and charged off, even though I had paid it off. Now its damaging my credit. I also disputed it through XXXX  and it still remains. 

This is unfair and inaccurate. I am requesting a full deletion of this account from all credit bureaus ( XXXX XXXX XXXX XXXX ) because the reported balance is incorrect, and I should not be penalized for an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00}

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