vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: IA

Complaint narrative:
On or around XX/XX/year>, my XXXX card account ending in XXXX was abruptly closed by Capital One without adequate notice, justification, or opportunity to cure any alleged issue. At the time of closure : My account was in good standing or had no known violations ; I had paid the {$95.00} annual fee, which Capital One retained despite denying me access to the services and benefits for which it was charged ; My account had a balance of XXXX XXXX  reward points, representing at least {$860.00} in value, which were unjustly removed ; The closure resulted in a significant negative impact to my credit score due to the sudden decrease in available credit and account age. 

On or around XX/XX/year>, my XXXX XXXX card account ending in XXXX was abruptly closed by Capital One without adequate notice, justification, or opportunity to cure any alleged issue. At the time of closure : My account was in good standing or had no known violations ; The closure resulted in a significant negative impact to my credit score due to the sudden decrease in available credit and account age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: GA

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively affect my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting a complete reinvestigation and correction of these items to ensure my credit file reflects only accurate and verifiable information.The disputed information includes certain addresses and inquiries that appear to have been reported in error. I have verified my records and can confirm that the information listed does not accurately represent my personal or financial history. Under the FCRA, I am entitled to accurate reporting and timely correction of any unverifiable or misleading data. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-18 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: GA

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively affect my creditworthiness. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am requesting a complete reinvestigation and correction of these items to ensure my credit file reflects only accurate and verifiable information.The disputed information includes certain addresses and inquiries that appear to have been reported in error. I have verified my records and can confirm that the information listed does not accurately represent my personal or financial history. Under the FCRA, I am entitled to accurate reporting and timely correction of any unverifiable or misleading data. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
I am disputing the accuracy of the XXXX XXXX XXXX collection account related to XXXX XXXX ( opened XX/XX/year>, balance {$1000.00} ). My report contains conflicting balance information ( {$740.00} and {$1000.00} ) and a data-coding error shown as XXXX. 

These inconsistencies demonstrate the information is inaccurate and unverifiable, violating FCRA 607 ( b ) ( requirement for maximum possible accuracy ). A record containing data errors or conflicting balances can not be considered complete or verifiable. 

Please reinvestigate this account with the furnisher. If XXXX XXXX XXXX can not fully verify and correct the record within 30 days, please delete the account from my credit file. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX - Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 

XXXX XXXX XXXX XXXX XXXX : {$80.00} XXXX XXXX XXXX XXXX : {$170.00}

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
Consumer complaint received 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Consumer response : USAAs reply is incomplete and inaccurate. 

Their statement claims I did not provide the required information, but I verified my XXXX  information through the USAA mobile app in XX/XX/year>, exactly as instructed. I selected the option confirming that all information was correct and unchanged. The banks own response admits that the XXXX process does not require documents to be uploaded and can be completed digitally through the app which is precisely what I did. 

I was also traveling during part of that period, and I never received notice that my online verification was invalid or incomplete. Nevertheless, USAA closed my credit card and deposit accounts on XX/XX/year>, despite my XXXX membership, perfect payment history, and active account usage. 

This indicates a failure of USAAs XXXX  record-keeping or app integration, not consumer non-compliance. I am requesting that the CFPB reopen this complaint for further review and that USAA : 1. Provide evidence that my in-app verification was not logged ; 2. Review whether their internal process improperly escalated to closure ; and 3. Reconsider reinstatement

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 2025-10-18 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: CT

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: CT

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> : We were fraudulently charged {$7400.00}. 
Within an hour we called Citibank, to report the fraud. 
Citibank told us it couldn't initiate an investigation until the charge posted, and we should contact it again then. 
XX/XX/year> : The fraudulent charge posted ; Citibank paid it, knowing we'd reported it as fraud. 
XX/XX/year> : We contacted Citibank to be sure it had opened an investigation. 
XX/XX/year> : We received an email from Citibank claiming that " The documentation or facts provided do not support the billing error dispute claim. '' It never requested any documentation from us, although we contacted it on XX/XX/XXXX and XXXX. The bank claims we're responsible for the {$7400.00}. 

It erroneously paid a charge it knew was fraudulent and is now trying to recoup its loss from us, by classifying " fraud '' as a " billing dispute '' with a vendor.

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 2025-10-18 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: MO

Complaint narrative:
I am submitting this complaint to report multiple fraudulent accounts that have appeared on my credit reports without my knowledge or authorization. I recently obtained my credit reports for the first time in several years while preparing to purchase a vehicle. Upon review, I discovered several accounts that I did not open or authorize. These accounts appear to have been created as a result of identity theft.

I have already filed an official identity theft report with the Federal Trade Commission ( FTC ) and have notified local law enforcement. Despite these efforts, the fraudulent accounts remain on my credit reports and are negatively impacting my credit standing.

The following accounts are fraudulent and should be immediately blocked or deleted under the Fair Credit Reporting Act ( FCRA ) 605B [ 15 U.S.C. 1681c-2 ], which requires credit reporting agencies to remove information resulting from identity theft upon proper notice : XXXX. XXXX XXXX XXXX Reported by TransUnion, Experian, and XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$840.00} Original Creditor : XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX XXXX ( XXXX or XXXX ) Reported by Experian and TransUnion Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported by TransUnion, Experian, and XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Charged off and sold ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) Reported by TransUnion, Experian, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported by TransUnion XXXX Experian XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} Each of these accounts was opened and reported without my authorization. I have never applied for, received, or used any of these credit accounts. I am requesting that the CFPB investigate and take immediate action to ensure these fraudulent accounts are blocked and deleted from all consumer reporting agencies as required by the FCRA.

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 2025-10-18 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: CBC Companies, Inc.
State: NC

Complaint narrative:
In XX/XX/2025, I submitted a dispute to Innovis regarding several accounts that were showing an incorrect account status. 

Innovis completed the investigation on XX/XX/2025 & those accounts were verified. 

However the following accounts still show the same incorrect account status. No documentation has been provided to support this investigation process.

This conduct violates : - 15 U.S.C. 1681i ( a ) - failure to conduct a reasonable reinvestigation of disputed information.

- 15 U.S.C. 1681i ( a ) ( 5 ) - failure to delete or correct information found to be inaccurate or unverifiable.

- 15 U.S.C. 1681e ( b ) - failure to ensure maximum possible accuracy in the reporting of consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Global Lending Services LLC
State: CA

Complaint narrative:
Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ), creditors are required to provide billing statements at least 21 days prior to the payment due date to allow consumers sufficient time to make their payment. In my case, Global Lending failed to send my billing statement within the required timeframe. Because I did not receive the statement at least 21 days before the due date, I was not properly notified of the amount owed and the due date, which led to the account being marked as late. This failure to comply with federal billing notice requirements directly resulted in inaccurate and unfair reporting to the credit bureaus. Therefore, I am requesting that : The CFPB investigate this matter. Global Lending provide documented proof that billing statements were sent in compliance with the 21-day rule before the due date. All late payments resulting from this violation be removed from my credit reports with XXXX, XXXX, and XXXX. Because the creditor did not meet their legal obligation, these late payments are inaccurate and must be deleted under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I am requesting the CFPB to ensure full correction of my payment history and prevent further inaccurate reporting by Global Lending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XXXX, CA, 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 2025-10-18 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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