vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc.
State: PA

Complaint narrative:
I am writing to formally dispute several negative accounts that are currently being reported on my credit report. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am requesting a full investigation into the accuracy and validity of the following accounts. These accounts have negatively impacted my credit standing and I believe they are either inaccurate, unverifiable, or being reported without proper legal compliance. 

Disputed Accounts Include : ( Include account names, account numbers ( last 4 digits ), and furnishers e.g., XXXX  XXXX, XXXX, XXXX, Kikoff, etc. You can list them like this : ) XXXX. XXXX XXXX Account ending in XXXX XXXX. XXXX Account opened XX/XX/year> XXXX. XXXX Account ending in XXXX XXXX. Kikoff Account ending in XXXX XXXX. XXXX XXXX XXXX XXXX account ending in 1213 Under 15 U.S. Code 1681i, I am requesting that you initiate a formal investigation into each of these accounts and verify that the information being reported is accurate, complete, and lawful. If any account can not be properly verified within the 30-day timeframe required by law, I respectfully request that it be deleted from my credit report.

Additionally, I was a victim of a data breach, and I have reason to believe that some of these accounts or inquiries may have resulted from unauthorized activity or reporting errors. Please ensure that each of these entries complies fully with the FCRA, including providing written proof of authorization or agreement.

Enclosed with this letter are copies of my government-issued ID and my most recent credit report, with the disputed accounts highlighted for your reference. 

Please provide a written response to this dispute and send the results of your investigation to the address or email provided above. 

Thank you for your time and prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit on Friday XX/XX/year>. The teller stated that {$200.00} will be released on XX/XX/XXXX and then some on the XXXX and the rest on the XXXX or XXXX. I called customer service and advised them that they are in violation of XXXX XXXX, as I work for a bank, and that they need to release the money that was supposed to be released. The manager, XXXX Bank of America ID XXXX, advised that they are not able to release any funds and if I have any issue to call back on Monday. I advised her as soon as I hung up with her I would be filing a complaint with the CFPB. She also let me know that my funds would not be released until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
This is a supplemental complaint tied to CFPB Case No. XXXX and ongoing violations by Capital One Bank ( USA ) , N.A.

I, Finley, XXXX , acting as the Authorized Agent and Trustee over the principal XXXX XXXX and the XXXX XXXX XXXX submit this to expose continued dishonor, harm, and administrative evasion by Capital One. 

Capital One has issued a letter dated XX/XX/year>, claiming they will not respond to the CFPB matter due to a cease and desist status and a separate civil lawsuit currently pending in XXXX XXXX Supreme Court ( Case No. XXXX ). This is a misuse of legal process and a deliberate obstruction of CFPB oversight. 

The issues raised in my original CFPB complaint are distinct and occurred before the lawsuit was filed. These include : Refusal to honor a Durable Power of Attorney Dishonor of lawful tender and fiduciary notice Retaliatory closure of the account ending in XXXX Refusal to recognize trust and agent authority Ongoing consumer harm and financial injury These violations are independent of the court proceeding and are still causing ongoing, escalating harm. Capital Ones response to the CFPB is an attempt to sidestep accountability by hiding behind the pending court action. 

I request that the CFPB take enforcement action to investigate and correct Capital Ones continued refusal to honor fiduciary and trust authority, and to stop using litigation as a shield against regulatory responsibility. Their conduct undermines consumer rights and causes active injury to a poor person under court-declared indigent status. 

Please acknowledge this as an active continuation of my original CFPB complaint and update your records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a Capital One card with my business and was personal. Auto payment somehow stopped and they didnt let me know. The system then never updated me they had an old address on file so all mail never made it to me. They then hit me with 90 day late which drove my XXXX credit down XXXX points and they wont change it. Once I was notified I paid card off completely. 

Capitalone XXXX Capital One XXXX Business card then had auto payment somehow auto payment got turned off and no one updated me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
According to the FCRA Law 605b I've been a victim of identity theft and information was in a data breach and these accounts are in error and need to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
According to the FCRA Law 605b I've been a victim of identity theft and information was in a data breach and these accounts are in error and need to be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, I attempted to pay my monthly auto loan payment through XXXX XXXX XXXX online portal. At checkout, I noticed an unexpected {$17.00} fee added to my usual payment. Unable to reach a representative by phone, I followed their internal recommendation and submitted a billing error dispute in writing well before the due date. I explained the issue and requested that the charge be corrected before I submitted payment. 

I never received a response or acknowledgment of the dispute, as required by law. After waiting and receiving no assistance, I paid the full amountincluding the disputed feejust one day late in good faith. Despite this, XXXX XXXX reported a 30-day late payment to Experian, XXXX, XXXX, and XXXX. 

This action is a direct violation of the Fair Credit Billing Act ( 15 U.S. Code 1666 and 1666B ), which requires a creditor to ( 1 ) acknowledge a billing error dispute within 30 days and ( 2 ) investigate and resolve it within 90 days. Under 1666B, it is unlawful to treat a payment as late if the consumer has paid the undisputed portion on time and notified the creditor of a disputed amount. 

Instead of correcting the error, the creditor failed to respond at all, leading to a derogatory mark on my credit report for a late payment I actively tried to avoid. This mark is not only inaccurate but damaging, especially since the account was later paid off through insurance and closed in good standing. 

I have since submitted disputes with the credit bureaus ( Experian, XXXX, and XXXX  ), and even after a reinvestigation in XX/XX/XXXX, the inaccurate late payment remains. I have sent letters and attempted good faith communication with both the furnisher and the bureaus, but they failed to correct the issue. 

I am requesting that this 30-day late payment entry from XX/XX/XXXX be permanently removed from my credit reports with all three credit bureaus, as it was caused by a billing error that XXXX XXXX XXXX XXXX acknowledge or correct in a timely and lawful manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
I have recently received a copy of my credit report & notice several accuracies and unauthorized accounts information reporting to my credit report .These remarks have been detrimentalto my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
I am writing to express my deep disappointment regarding your failure to correct the inaccurate information on my credit report as outlined in my previous letters dated [ Date of XXXX XXXX XX/XX/year> ] and [ Date of XXXX XXXX XX/XX/year> ]. Despite my repeated requests and the provision of ample documentation, the incorrectly reported late payments on my credit card [ Account Number XXXX ] remain unaddressed. 
As previously stated, according to 15 U.5. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 168li and 15 U.5. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, I referred to the Protection Against Non-Payment of Obligations Act ( PAANL ), which emphasizes the obligation of creditors to ensure timely delivery of statements to avoid unfair penalties to consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
After reviewing my credit report, I have identified inaccuracies that require immediate correction. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act, you are obligated to ensure maximum accuracy and promptly investigate disputed items.

I formally request : 1. A thorough investigation of the disputed items.

2. Correction or removal of inaccurate or unverifiable information. 

If violations of the FCRA are identified, I expect full compliance and immediate resolution within the legally required time. Please confirm receipt of this dispute and provide updates on the investigation promptly. 


Please remove the following items immediately : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : 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 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 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 Amount : {$880.00} I would like these items removed and blocked from my credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: NC

Complaint narrative:
I am disputing an alleged balance of {$10000.00} on my mortgage account with XXXX XXXX. I have provided documentation showing that all payments have been made, including copies of each cashed check and a {$9000.00} payment applied to my principal. Next, XXXX XXXX XXXX In addition, I paid my property taxes in the amount of {$3000.00}, which has not been reflected on my account. XXXX XXXX  has also failed to credit a {$4000.00} cashiers check that I submitted toward my principal. I have clear evidence and copies of processed checks confirming that my account is current through XX/XX/year>. Despite this, the company continues to report that I owe a balance, and I am requesting a thorough investigation and correction of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
incorrect information reporting on credit report please correct

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Credit Bureau Name, This letter serves as a formal notice and dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and applicable IRS regulations. I am demanding the immediate deletion or correction of multiple accounts reported on my consumer credit report that are inaccurate, incomplete, outdated, or otherwise misleading. 

XXXX. XXXX XXXX  ( Installment Loan ) - Acct # : XXXX - Opened : XX/XX/XXXX - Original Balance : {$38000.00} - Charged Off Balance : {$19000.00} - Status Updated : XX/XX/XXXX - Final Payment : XX/XX/XXXX - Terms : 75 months - Violation : Labeled 'Profit and loss writeoff ' but still reported as an active debt ; misleading under FCRA and IRS standards. - Violation : Reported as past due despite being charged off ; potential violation of IRS 1099-C reporting rules. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Acct # : XXXX - Opened : XX/XX/XXXXXXXX XXXX Highest Balance : {$1000.00} - Charge-Off Amount : {$460.00} - Reported Balance : {$0.00} - Status Updated : XX/XX/XXXX - On Record Until : XX/XX/XXXX - Violation : Continues to damage credit despite {$0.00} balance ; redundant reporting exists through XXXX XXXX XXXX ( below ) XXXX 
XXXX. XXXX XXXX XXXX ( Debt Buyer ) - Acct # : XXXX - Opened : XX/XX/XXXX - Original Creditor : XXXX XXXX  - XXXX : {$460.00} - Status : Collection account - Status Updated : XX/XX/XXXX - On Record Until : XX/XX/XXXX - Violation : Duplicate reporting of same alleged debt from XXXX XXXX XXXX XXXX XXXX ) ; misleading and unlawful per FCRA 1681s-2. 
Violations of Federal Law 1. Furnishing Inaccurate Information ( 15 U.S.C. 1681s-2 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

You have been placed on notice. Reporting charged-off debts as active obligations, duplicating debt, and failing to note current dispute statuses violate federal law. 
2. IRS Regulations on Charge-Offs and Cancellations Debts over {$600.00} that are canceled or charged off must be reported to the IRS using Form 1099-C, as income not as outstanding debt. Your continued reporting misrepresents my obligations and misleads potential creditors.

Formal Demand for Immediate Action Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : A person shall not furnish information relating to a consumer if the consumer has notified the furnisher of inaccuracies and the information is, in fact, 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
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/2025 a

nd noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CO

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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