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

Complaint narrative:
I am filing a complaint against the credit reporting agencies for failing to properly investigate multiple inaccurate and unverifiable accounts on my credit report, in violation of FCRA XXXX. 

I disputed the following accounts with the credit bureaus and was told they were " verified '' without any documentation : - XXXX XXXX Bank XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Bank Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX ( multiple accounts ) My dispute requested : Proof of original signed contracts Itemized account statements Proof of legal ownership/assignment Date of first delinquency Complete payment history None of this documentation was provided. 

Under the Fair Credit Reporting Act, the bureaus must conduct a reasonable investigation and provide documentation if requested. A response of verified without documentation is not a reasonable investigation. 

Additionally, some accounts appear to be : Duplicates Reported by debt buyers who lack original contracts Reporting inaccurate balances Reporting past the XXXX limit I am requesting the CFPB to require : XXXX. Removal of any account that can not be verified with documentation. 
XXXX. Proper reinvestigation of all accounts. 
XXXX. Written proof supporting verification. 
XXXX. Deletion of duplicate entries. 

Thank 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NRA Group, LLC
State: MA

Complaint narrative:
XXXX  reinserted a XXXX XXXX collection account that had been deleted in XXXX after a previous dispute. The same account was added back in XXXX under a slightly different name without notice or proof that the furnisher certified its accuracy. I never received the required five-day reinsertion notice under the Fair Credit Reporting Act. XXXX XX/XX/XXXX response stated the furnisher verified the data but did not address the missing reinsertion notice or certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Wednesday XX/XX/year> I tried to access my CitiBank account and it said Account Blocked. I immediately called bank and they connected me to fraud department and problem would be resolved once I verified my identity, I did and they stated it would take XXXX hours. After XXXX hours passed I went into bank and they said wait until Monday XX/XX/year>. Today XX/XX/year> they still giving me the run around, they are no longer saying XXXX hours, I keep getting transferred and left on hold XXXX minutes. My XXXX income goes to this account and I have no money and Citibank does not give me any information. My bills are passed due and I have no money. Can someone please help.

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 2025-11-11 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: GA

Complaint narrative:
I hope this letter reaches you in good faith. I am filling as part of my ongoing effort to rebuild my credit profile and ensure that all information reflected on my report is accurate, fair, and compliant with federal law. This correspondence pertains specifically to two XXXX XXXX accounts that currently appear on my TransUnion and Equifax credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
Company : Capital One Bank ( USA ), N.A. 
Product : Credit Card Account Type : Secured Credit Card ( XXXX XXXX  ) Account ending in : XXXX What happened : On XX/XX/2025, Capital One closed my secured XXXX credit card account and provided the explanation that the closure was due to activity inconsistent with typical customer account usage. This statement is vague and does not explain what specific activity allegedly prompted the action. 

I have not engaged in fraud, abuse, unauthorized use, or any conduct that would violate the cardholder agreement. I have maintained timely payments and used the account responsibly. I have requested clarification and reconsideration, but Capital One has not provided a specific reason as required by law. 

This constitutes an adverse action. Under the Equal Credit Opportunity Act ( ECOA ), creditors are required to provide a specific, detailed reason for adverse action notices : 15 U.S.C. 1691 ( d ) ( 2 ) requires creditors to provide a statement of specific reasons for adverse action.

15 U.S.C. 1691 ( d ) ( 3 ) prohibits creditors from giving vague or generic explanations.

Regulation B ( 12 C.F.R. 1002.9 ( a ) ( 2 ) ) further requires that adverse action notices be clear and specific enough to allow the consumer to understand the basis of the decision. 

The explanation provided activity inconsistent with typical customer use is not specific and does not satisfy these requirements because it does not identify what behavior or transaction triggered the closure. 

Additionally, I am concerned that Capital One may report the closure to the credit bureaus inaccurately. The Fair Credit Reporting Act requires that any information furnished to credit reporting agencies must be accurate and not misleading : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

What I am requesting : 1. A specific written explanation of the exact reason ( s ) the account was closed, as required under ECOA and Regulation B.

2. A review and reconsideration of the closure decision.

3. Assurance that no inaccurate or derogatory information regarding this closure will be furnished to any consumer reporting agency, consistent with FCRA accuracy requirements. 

I am requesting the CFPBs assistance in obtaining a lawful and transparent explanation and ensuring that my credit report is not harmed due to a non-specific or automated closure. 

Thank you.

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

Complaint narrative:
After reviewing my Equifax credit report, I discovered multiple unauthorized accounts, inquiries, collections, and false addresses that I never opened, authorized, or verified. These entries appeared without my consent or a valid permissible purpose as required by 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ).

Equifax has allowed false and unverifiable information to remain on my report, including accounts such as XXXX XXXX Co, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXXXXXX XXXX , as well as unauthorized collections from XXXX XXXX XXXX and XXXX XXXX XXXX. Additionally, there are unauthorized inquiries and several false addresses that do not belong to me. 
these actions demonstrate a failure by Equifax to maintain accurate consumer data as required under 15 U.S.C. 1681e ( b ) and to reinvestigate disputed information under 1681i ( a ). Equifaxs continued reporting of these itemswithout proper verification or my written authorizationconstitutes willful noncompliance, invasion of privacy, and negligent data handling. 
Because of these violations, I have exercised my right to dispute and have issued a formal cease-and-desist notice. I have demanded that Equifax : Conduct a complete reinvestigation, Delete all fraudulent and unverifiable accounts and inquiries, Remove all false addresses, and Provide written confirmation of all deletions and verification sources within 30 days. 
Equifaxs failure to comply within the statutory timeframe will be considered intentional disregard of federal law, resulting in formal complaints to the CFPB, FTC, and Tennessee Attorney Generals Office, as well as potential civil action to recover damages for willful violations under 15 U.S.C. 1681n and 1681o.

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

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have disputed this account multiple times and never received the original contract, payment breakdown, or transfer of ownership from The XXXX XXXX XXXX to Spring Oak Capital. Youve reported this to all three bureaus as an open collection even though youve ignored every validation request Ive made including certified mail. 
Continuing to report this account without validation violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). Your failure to mark the account as disputed also violates Metro 2 4.2.3, which requires the XB dispute code. 
You are factually reporting false information. I want the account deleted immediately from all bureaus and a written statement confirming deletion.

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

Complaint narrative:
I am submitting to formally request the correction and update of inaccurate late payment information being reported on my accounts with XXXX, showing balances of {$2500.00} and {$4400.00}, each reported as late for XXXX  days. Upon careful review of my account statements and payment confirmations, I have determined that the current reporting of late payments does not accurately represent the true status or history of these accounts. 
XXXX XXXX * * * * * * * * * Balance : {$2500.00} XXXX XXXX * * * * * * * * * Balance : {$4500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I am requesting to reopen my dispute for the Platinum Dinner Experience at XXXX XXXX, for which I prepaid in full. 

When I arrived for my reservation, the restaurant informed me that the XXXX XXXX was full, and they seated me in the XXXX XXXX instead, providing only the Silver menu, which is a lower-tier experience than what I purchased. I was told to wait for a XXXX XXXX table to open, but after waiting XXXX minutes, no accommodation was made. 

Since I did not receive the service or experience I paid for, I left and immediately raised my concern with the restaurant. They later offered a bottle service as compensation, which I declined because it was not equivalent to the XXXX experience. I made several attempts to resolve this directly with the business, but they refused to refund or rectify the issue. 

I am therefore requesting that American Express reopen this dispute, as the merchant failed to deliver the agreed-upon service. I have documentation showing my prepaid reservation for the Platinum Dinner Experience and can provide correspondence confirming I was only offered the lower Silver-level service. 

I respectfully request a full refund for the service that was not rendered as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The delinquent payment shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
The delinquent payment shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XX/XX/XXXX to 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 non-monetary relief
Consumer complaint received 2025-11-11 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 filing this complaint because Experian and Equifax are reporting multiple inaccurate and unverifiable accounts and inquiries on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The following accounts contain errors : XXXX XXXX ( # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are being reported with inconsistent balances, false delinquency dates, duplicate statuses ( paid/charge-off ), and unverifiable ownership details.

Additionally, numerous inquiries were listed on my Experian report without my written authorization ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ). I never gave consent for some of these hard inquiries. 

I have attached two formal dispute letters addressed to the CFPB and the respective credit bureaus that include detailed factual disputes and references to consumer law : FCRA 602 ( a ), 605 ( a ), 607 ( b ), 609 ( a ) ( 1 ), 611 ( a ) FDCPA 807 ( 8 ), 809 ( b ) I am requesting that the CFPB require both Experian and Equifax to conduct a lawful investigation, verify each disputed item directly with the original creditor, and delete any unverifiable or obsolete data under FCRA 611 ( a ). 

I am also requesting removal of unauthorized inquiries and confirmation of updated reports once completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$260000.00} XXXX XXXX  XXXX Balance : {$1100.00}

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 explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
After reviewing my credit records, I have identified several accounts that contain inaccurate late payment notations that do not reflect my verified payment history. These discrepancies have created a misleading impression of my creditworthiness and must be promptly corrected and updated in accordance with the Fair Credit Reporting Act ( FCRA ). 
The first account, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  reflects a balance of {$290000.00} and shows a 30-day late payment for XX/XX/XXXX. This reporting is inaccurate because my payment for that period was made prior to the due date and confirmed by my bank records. There was no delay or interruption in the transaction process that would justify a delinquency mark. Therefore, I request that this late entry be corrected and updated to accurately reflect the accounts true on-time payment status. 
The second account, XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX, lists a balance of {$420.00} and shows 30-day late notations for XXXX, XXXX, and XX/XX/XXXX. These entries are inconsistent with my records, which confirm that all payments were made in accordance with the agreed terms. There is no evidence of any legitimate delinquency during these months, and it appears that these marks resulted from reporting or processing errors. I am requesting a full review and that the account be corrected and updated to show an accurate payment history. 
Additionally, I have identified three closed accounts that also contain erroneous late payment entries. 
XXXXXXXX XXXX ( Account # XXXXXXXX XXXX XXXX  ) shows a 30-day late mark, despite the account being closed in good standing with no delinquency verified through my payment records. 
XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX shows a 30-day late payment in XX/XX/XXXX, which is incorrect based on verified payment confirmations showing full and timely payments. 
XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX reflects a {$0.00} balance but appears to carry residual reporting inconsistencies that should be reviewed and updated to ensure accurate closure status.

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 2025-11-11 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: CA

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding an inaccurate late payment reported on my credit file for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$830.00}. The account shows a late payment that does not accurately reflect my actual payment history. Despite my prior submission, this inaccurate information remains on my credit report without verification or explanation, which violates the reinvestigation requirements under FCRA 611 and the obligations of furnishers and credit reporting agencies to ensure maximum possible accuracy under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was trying to buy a house and I noticed I have damages on my credit report. According to 15 U.S.C XXXX Their shouldn't be any damages on my report it is defamation of my character.

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

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
XXXX XXXX, green sky Barclays, XXXX XXXX. 
It's showing late payments, and it is 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