vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute and demand deletion of the bankruptcy record associated with XXXX XXXX XXXXXXXX, which is currently being reported on my credit file. This information is inaccurate, unverifiable, and is being disseminated by a source that is not a valid furnisher under the Fair Credit Reporting Act ( FCRA ).

Enclosed is a letter from XXXX  dated XX/XX/XXXX, confirming that this same bankruptcy record has been REMOVED from my XXXX  credit report following reinvestigation. TransUnion concluded that the item was either unverifiable or inaccurate. Therefore, under FCRA 1681e ( b ) and 1681i ( a ), this record must also be removed from my credit file with your agency.

Furthermore, attached is a letter from the U.S. Bankruptcy Court for the XXXX XXXX XXXX Florida, explicitly stating that the Court does not report any consumer information to credit reporting agencies or to any third-party data broker. This means there is NO direct furnisher involved in this reporting. 

XXXX, which is likely your data source in this case, is not a furnisher as defined under 12 C.F.R. 1022.41 ( c ), nor does XXXX serve as a data furnisher. XXXX is a third-party reseller that independently collects and republishes public records. Under the FCRA, all Credit Reporting Agenciesincluding resellersare legally required to follow reasonable procedures to ensure maximum possible accuracy ( FCRA 1681e ( b ) ). By continuing to report a record that another Credit Reporting Agency has already deleted, and which the original source ( the Bankruptcy Court ) disclaims responsibility for, your agency is in direct violation of the FCRAs requirements. Additionally, I hereby demand that you do not use the e-OSCAR system to verify this record. Courts have ruled that reliance on automated systems such as e-OSCAR does not constitute a reasonable investigation under the FCRA ( see : Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ) ). You are required to conduct a meaningful, manual review of all documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I completed a debt consolidation plan with a third-party company for a few credit cards I had. My Capital One credit card had the largest balance. I completed the debt consolidation program in XXXX. Fast forward to a few months ago, I was trying to apply for a XXXX XXXX loan through XXXX, but was denied due to a charge-off on my credit report. I contacted Capital One for the first time regarding this issue on XX/XX/XXXX. I have spent hours on the phone going back and forth with Capital One, XXXX XXXX XXXX, and XXXX XXXX XXXX. I sent multiple faxes with documentation proving my account was managed correctly to Capital One. For over a month, I got various answers and no results. Capital One tried blaming XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I received a letter in the mail on XX/XX/XXXX, from Capital One stating, " Thanks for contacting us about..... ''. This was highly frustrating because contact was made about the issue on XX/XX/XXXX, but I was not taken seriously until then. I made it very clear from the first conversation that this was hindering me from getting the loan that I needed. I learned that Capital One changed how they accepted payments from the third party I was using, but the third party still made payments on the correct date. Capital One took the remaining payments from the third party, but charged off my account because they blamed me for the missed payment, so they voided the debt payment agreement. This has impacted my credit score, but Capital One has NEVER reached out and said that I owe them {$5800.00}, and even later approved me for a new card. I had no idea that my credit had been negatively affected for years. After over a XXXX investigation, Capital One finally said the debt was taken care of and will report the correction to the credit bureau . After spending over an hour on the phone today ( XX/XX/XXXX ), I asked for an apology, but did not get one. I asked for proof that I did not have a charged-off account so I could be approved for my loan, but they are making me wait even longer for some evidence to send to XXXX. Capital One has in no way tried to make this situation right, despite something going wrong that was not my fault. I did my part, but Capital One wants to ruin my credit and have me make phone calls while being on hold, wasting hours of my time for their mistake or issue. I will have to go out of pocket over {$1000.00} to start my semester, which I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain accounts listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 2025-08-01 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Received the loan last year in XXXX or XXXX of 2024. Needed money for bills Wasn't explained it was a line of credit and that I would never be able to pay it off. The interest is ridiculous!!! XXXX was taken out of my check every XXXX weeks. XXXX dollars monthly I was paying for a {$1000.00} loan. 
For some reason, it got up to XXXX. Then I received a letter from them and a lawyer saying Im owing XXXX. My court date is the XXXX of XXXX. Please help me with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am filing this complaint due to the failure of the credit reporting agencies Experian, TransUnion, and Equifax to comply with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy, verification, and timely removal of disputed information. 

Despite submitting formal disputes directly to the credit bureaus, the following issues remain unresolved : 1. Unauthorized Hard Inquiries ( Experian ) : Over 10 inquiries were made on my credit file without my authorization or a permissible purpose under FCRA 604. These include entries from XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX, among others. 


XXXX. Charge-Offs and Inaccurate Accounts : XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  ) were reported as charge-offs but have not been properly validated, and the history shows conflicting data between bureaus. 

XXXX XXXX XXXX reports a charge-off with incorrect balances and delinquency dates ( Equifax ) XXXX 

XXXX XXXX account reflects repeated inaccurate 3060-day late payments and inconsistent balance reporting. 



XXXX. Paid Collection Still Reporting Negatively ( Experian ) : XXXX XXXX XXXX ( XXXX ) : Although this collection was paid in full, Experian continues to report it negatively, violating FCRA 1681c ( a ) ( 4 ). 



XXXX. Failure to Investigate Properly : The bureaus failed to provide documented verification or delete unverifiable entries within the required 30-day window under FCRA 611 ( a ) ( 1 ) ( A ).

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 2025-08-01 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:
I am filing this complaint due to the failure of the credit reporting agencies Experian, TransUnion, and Equifax to comply with the Fair Credit Reporting Act ( FCRA ) regarding the accuracy, verification, and timely removal of disputed information. 

Despite submitting formal disputes directly to the credit bureaus, the following issues remain unresolved : 1. Unauthorized Hard Inquiries ( Experian ) : Over 10 inquiries were made on my credit file without my authorization or a permissible purpose under FCRA 604. These include entries from XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX, among others. 


XXXX. Charge-Offs and Inaccurate Accounts : XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX  ) were reported as charge-offs but have not been properly validated, and the history shows conflicting data between bureaus. 

XXXX XXXX XXXX reports a charge-off with incorrect balances and delinquency dates ( Equifax ) XXXX 

XXXX XXXX account reflects repeated inaccurate 3060-day late payments and inconsistent balance reporting. 



XXXX. Paid Collection Still Reporting Negatively ( Experian ) : XXXX XXXX XXXX ( XXXX ) : Although this collection was paid in full, Experian continues to report it negatively, violating FCRA 1681c ( a ) ( 4 ). 



XXXX. Failure to Investigate Properly : The bureaus failed to provide documented verification or delete unverifiable entries within the required 30-day window under FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a collection account that remains unverified. I have disputed this item with the credit bureaus in compliance with 15 U.S.C. 1681i ( a ), but LVNV has not produced proof that it owns or has the legal right to collect this debt.

Violations : 1681e ( b ) : Inaccurate reporting.

1681s-2 ( b ) : Failure to conduct a reasonable investigation.

1681i ( a ) ( 5 ) ( B ) : Unverified data must be deleted.

UCC 3-501 & 3-505 : Failure to produce original signed note or contract renders the claim unverified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, a caller who knew my full name, the last five digits of my SSN, and XXXX recent Wells Fargo transactions phoned from XXXX. During the call, I received a legitimate Wells Fargo Advanced Access text code from the banks own short code. The caller identified himself as XXXX from Wells Fargo Fraud and stated that my checking account ending in XXXX had been compromised. Under his instructions, I removed my debit card from XXXX XXXX and added a replacement card tied to routing XXXX and account XXXX. I was then coached to move {$9900.00} from my Wells Fargo account to XXXX XXXX and immediately send the same amount plus a {$15.00} Instant-Transfer fee to the new card. I later discovered this was a bank impostor scam.

I reported the fraud the same night, and Wells Fargo opened Claim XXXX. On XX/XX/year>, the claim was denied ( customer participated ). I appealed through the Executive Office, case XXXX. On XX/XX/year>, Wells Fargo issued a final denial letter ( attached ), reaffirming no reimbursement and no provisional credit.

Insider-access concerns : The caller had a recent legitimate transaction history, suggesting internal customer-profile access.

The caller texted a Wells Fargo Advanced Access code from the banks own short code.

The callers phone number displayed a Wells Fargo toll-free prefix.

I asked Wells Fargo to confirm whether the caller was an employee or vendor ; they have provided no answer.

Regulation E Violations : 1005.2 ( m ) : Transfer was unauthorized because access was obtained through fraud.

1005.6 ( b ) : I reported within 24 hours, liability should not exceed {$50.00}.

1005.11 ( c ) : Bank failed to provisionally credit my account within 10 business days and provided no investigation file explaining the denial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Exeter Finance, LLC.
State: MI

Complaint narrative:
XX/XX/year> hard inquiry processed after I did not select for the company to complete the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I had XXXX Capital One cards and I called Capital One about fraud. Capital One said the both of them were compromised, to not make any payments while they investigate. For the calendar year of XXXX, XXXX, XXXX, I had never missed a payment on both cards. After the investigation, Capital One stated I had breached the contract, and they canceled both cards and demanded payment in full, I wasnt aware that if someone committed fraud on me, the credit grantor would close the account, I bet the bullet and paid both accounts in full, Now both cards reflect missed payments, XXXX on XXXX account and XXXX on the other. This was during the period of investigation. 

Fraud is not something I could have prevented, I definitely couldnt afford the closure of XXXX cards by Capital One themselves and then demand payment in full, but I did. Now after calling since XXXX, Capital One says that I need to call someone else, that someone else says I need to call someone else, its been a merry-go-round and I would like for it to stop, more importantly, I would like for Capital One to remove the XXXX XXXX payments between the both of the cards that were deemed to have had fraudulent pavements, the Capital One actually refunded, and midway through payment like I had for the previous XXXX years, almost XXXX  years, to continue. I wasnt given a choice. I was sent a random generated letter, and forced to pay the balances in full.. I paid the balances in full and now they will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief