vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this formal complaint against Equifax, Experian, and TransUnion for repeatedly failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding my credit disputes. I have submitted several written disputes over the past months, including one over 35 days ago, yet the credit bureaus have not provided any valid documentation or evidence verifying the accuracy of the disputed accounts listed below. 

Despite multiple requests for a full reinvestigation, these credit bureaus continue to report inaccurate and unverifiable information on my credit report, which violates multiple sections of the FCRA. 

Disputed Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX Summary of Violations : Failure to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681i ( a ) Failure to provide the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ) Failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) The bureaus have not provided : A description of the method or procedures used in the reinvestigation Any documentary evidence supporting the verification of the accounts The name and contact information of the data furnishers who verified the accounts These failures demonstrate willful disregard for my rights as a consumer. I have already filed complaints with the Federal Trade Commission ( FTC ) and the North Carolina State Attorney Generals Office documenting these 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 2025-10-15 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: AR

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: AR

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.

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 2025-10-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
am writing to formally dispute a collection account reported by XXXX XXXX XXXX, in the amount of {$430.00}. No account number is listed, and I do not recognize the current creditor to which this debt was allegedly sold. 

The debt amount reported is inaccurate. 

I have no record or recollection of this debt. 

I have never received any documentation, signed agreement, or contract proving that I am personally liable for this alleged debt. 

This account does not reflect accurate ownership or balance information and therefore violates the Fair Credit Reporting Act ( FCRA ) requirement that all consumer credit information be accurate, complete, and verifiable. 

I am requesting full validation of this account, including : A copy of the original signed credit agreement ; A complete payment history from the original creditor ; and Documentation showing legal assignment or transfer of this account to XXXX XXXX XXXX or any subsequent creditor. 

Until full validation is provided, this account must be deleted from my credit report immediately. Reporting unverifiable or inaccurate information violates 15 U.S.C. 1681s-2 of the FCRA.

If this account can not be fully verified within 30 days, it must be permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: AZ

Complaint narrative:
I previously filed a dispute regarding inaccurate reporting on my Capital One Secured Mastercard account. Instead of correcting the issue properly, Capital One merely updated the account information and then offered me another credit card account. To make up for the inaccurate reporting However, shortly afterward, they unlawfully closed my XXXX card upon arrival and after making several on time payments to the Secured discover account, which was paid on time and in good standing. 
They reduced my card limit which was originally {$400.00} to {$240.00} and sent the remainder of the money back to the bank. They even let me set my child as an authorized user on the account after receiving the card I have attached the closure letter from Capital One dated XX/XX/year>, which claims the account was closed due to one or more returned security deposits. This explanation is inaccurate and misleading, as no such issue was ever communicated or occurred. My account was current, and I met all payment obligations. Capital one is in the business of fraudulent activity and is scamming its customers This closure has negatively impacted my credit score and overall credit profile despite my compliance with all terms. Capital Ones actions appear retaliatory and inconsistent with the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), as they are reporting false information and closing accounts without valid justification after a consumer dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MI

Complaint narrative:
This follow-up pertains to a dispute I filed under FCRA 611 ( 15 U.S.C. 1681i ) regarding several accounts inaccurately reported as late while still open, which continues to negatively impact my credit file. The XXXX XXXX XXXX XXXX account ending in XXXX is reported with a balance of {$620.00} and marked as late, but the reported delinquencies do not match my records and have not been properly verified. Similarly, the XXXX  XXXX account ending in XXXX shows a balance of {$740.00} and is also reported as late despite my dispute challenging the accuracy of the payment history. Finally, the XXXX account ending in XXXX is listed with a balance of {$16000.00} and marked with late payments, but no documentation has been provided to confirm the accuracy of those late marks. I submitted relevant documentation contesting the validity of these negative notations, yet the credit bureau has failed to provide any reinvestigation results or proof of verification from the data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have a family leave claim with California EDD. I have not recieved any payment from the company they use to disburse payment ( XXXX XXXX ). California EDD has confirmed that the payment was sent to XXXX XXXX and they should have sent me a debit card with a payment for $ XXXX as well as future disbursements that should be sent to that same debit card on a weekly basis. XXXX XXXX has not sent me that debit card, it is multiple weeks overdue. XXXX XXXX has refused to resolve the issue, when i call them they immediately tranfer me to EDD who then tells me it is something i must resolve with XXXX XXXX. After speaking to the branch manager of the XXXX California EDD office and recieving assistance from them in the way of the EDD branch manager attempting to contact XXXX XXXX, i have been infromed that the money was sent, but never put into an account and no account was made with my information by XXXX XXXX. I was told by the EDD branch manager that this could be a potential fraud situation. They are working to resolve it but have not been succesful due to XXXX XXXX being unwilling to work or even speak with them or I.

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
My XXXX brokerage account has been restricted for more than XXXX weeks due to alleged identity verification issues. I have provided all required documents, but the company has not restored my trading privileges or given updates. My funds remain locked and I can not buy or sell.they was said no action untill XX/XX/year> then app says ur account still restricted before they future action. And every day they transfer my case to a new agent by email with nothing working on

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NC

Complaint narrative:
I am disputing the information as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX XXXX. If the debt can not be validated I would like for the debt to be removed from my credit profile IMMEDIATELY. Please note that verification IS NOT validation.

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 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TOYOTA MOTOR CREDITs failure to properly verify and correct inaccurate information reported on my credit file.

Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. TOYOTA MOTOR CREDIT has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported.

TOYOTA MOTOR CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX, XXXX  requested investigation for unauthorized charges- no response only to attempt to collect payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a past-due balance, and due to being overextended on my bills, I contacted customer support to request a one-time courtesy fee waiver. I have never had a fee waived during the entire time Ive held this credit card. Not only was my request denied, but I was also not given a clear explanation as to why the fee could not be waived. 
When I spoke with XXXX Account Manager XXXX ( Employee ID : XXXX ), he failed to provide his full name, a valid reason for why the fee could not be waived, or the option to speak with a different agent. He repeatedly stated that it was policy and refused to elaborate further. When I asked to be transferred to a higher-level representative or another Senior Account Manager who could provide a reasonable explanation, he informed me that if I wanted to speak to someone else, I would need to call back. Shortly after, he abruptly disconnected the call. 
When I called back and spoke with a different agent, she advised me that the fee had already been paid, which I found misleading and deceptive. Nevertheless, I made the payment that same day, XX/XX/XXXX, for the full amount. Despite this, I was still charged an additional late fee the following day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-15 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:
I am writing to formally request a review and investigation of my credit report regarding a late payment entry that I believe is inaccurate. Upon reviewing my credit report, I noticed that there is still an indication of a late payment which I believe does not reflect the actual situation. 

I respectfully request that an investigation be conducted into this matter. If the creditor does not have sufficient evidence to support the claim of a late payment, I kindly request that my credit file be updated to reflect accurate and truthful reporting. 

As a consumer, I am entitled to accurate information on my credit report, and I expect that any discrepancies or errors will be resolved promptly. 

Account number XXXX Account Name XXXX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. I was the true buyer I paid the down payment, sales tax ( {$6000.00} ) and insurance for the vehicle. After the purchase, I received the temporary registration in my name, confirming I was the primary buyer and registrant. However, when the permanent registration arrived, it was issued in cosigner name, who was only supposed to be my co-signer on the loan. 



The dealership submitted incorrect paperwork to Ally Financial, listing the co signer as the primary borrower and me, XXXX XXXX, as the co-borrower, even though I was the actual purchaser. This error created major problems with the loan, title, and registration. 



In XX/XX/XXXX, Ally Financial received paperwork signed by cosigner authorizing her removal from the title, but neither Ally nor the dealership corrected the issue. Later, the New York Attorney Generals Office confirmed that I am the rightful buyer and registrant, yet the dealership has still refused to help fix the problem. 



Because of these errors, my vehicle was taken without my consent, leaving me without transportation. This has caused financial hardship, emotional distress, and loss of use of the vehicle. I have repeatedly contacted Ally Financial, the dealership, and state agencies to correct this, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
Im sending this to ask that you remove any dispute comments showing on the following accounts and reset their dispute status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, These accounts were previously marked as consumer disputes this account or something similar, but Im no longer disputing them at this time and dont want the dispute comments showing. Its causing issues when I apply for credit because lenders think the accounts are still in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
Im sending this to ask that you remove any dispute comments showing on the following accounts and reset their dispute status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6700.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, These accounts were previously marked as consumer disputes this account or something similar, but Im no longer disputing them at this time and dont want the dispute comments showing. Its causing issues when I apply for credit because lenders think the accounts are still in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: WA

Complaint narrative:
XXXX XXXX, 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance ; {$1100.00} XXXX XXXX XXXX, XXXX XXXX, UT, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: WA

Complaint narrative:
XXXX XXXX, 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance ; {$1100.00} XXXX XXXX XXXX, XXXX XXXX, UT, 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 2025-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I discovered multiple fraudulent accounts reporting under my credit profile that I did not open or authorize. These accounts were first noticed on my credit report on XX/XX/year>. The accounts were reported by BULL CITY with approximate balances of {$2400.00}. 
Immediately after noticing these accounts, I took the following actions : On [ insert date ], I filed disputes with XXXX, XXXX, and XXXX  under my rights provided by the Fair Credit Reporting Act ( FCRA ), explaining that the accounts were opened as a result of identity theft. 
On XX/XX/year>, I contacted each creditor directly to inform them that I was not responsible for the accounts and that they were opened fraudulently. 
I also completed an FTC Identity Theft Report and attached supporting documentation to verify my claim. 
Despite my actions, the accounts continue to appear on my credit reports. The creditors have not provided any proof that I opened or authorized these accounts, nor have the credit bureaus removed them as required under the FCRA when information is found to be inaccurate or unverifiable. 
These fraudulent accounts are negatively impacting my credit and causing financial and emotional distress. I am requesting that the CFPB ensure these accounts are investigated and permanently deleted from all of my credit reports, as they are not mine.

Company response to consumer: Closed with explanation