vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX XXXX I contacted the leasing office by phone that I wasn't going to renew the lease and that I was going to move out XXXX XXXX the leasing person at the time was really rude and told me she was going to charge me a whole month rent and not be prorated I didn't stay a whole month. She said that she didn't care because I didn't give her a XXXX  day notice.Which I did when she asked if I was going renew. On XX/XX/year> I received a text message that I owed a balance of {$2400.00} I text back and asked why and that I needed to see all receipts on what I am being charged for. I had XXXX to pay or it was going to collections I tried to negotiate with them. She did not give me enough time and said everything to collections in less than XXXX days. She also lied to saying that I had XXXX months to pay but in the first text message she said I had XXXX  days. Also this was a joint account and I have proof of that too. She was just targeting me. It's all being reported false and threaten through text messages that it was getting sent to collections regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX  party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-31 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: NY

Complaint narrative:
This complaint is filed by XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, the authorized representative of XXXX XXXX, regarding Equifaxs continued reporting of false late payment data after a lawful dispute. Despite receiving clear notice under FCRA 1681i and 1681s-2 ( b ), Equifax failed to conduct a reasonable reinvestigation and relied only on automated responses from the furnisher without verifying any documentation. The inaccurate data concerns XXXX XXXX XXXX account ending in XXXX, showing false late payments for XXXX and XX/XX/year>. Equifaxs refusal to correct or delete unverifiable information constitutes willful and negligent noncompliance under federal law, resulting in harm to the consumers credit. The authorized filer demands that Equifax immediately delete the inaccurate entries, provide full documentation of verification, and confirm compliance. The CFPB is requested to investigate and enforce corrective action against Equifax for violating the Fair Credit Reporting Act. XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
I'VE DISPUTED THIS ACCOUNT MULTIPLE TIMES, WITH NO UPDATE FROM THE REPORTING AGENCIES OR THE COMPANY HOLDING THE ACCOUNT. THIS ACCOUNT IS NOT MINE. I HAVE NO RECOLLECTION OF SAID ACCOUNT, AND I'M REQUESTING A REMOVAL OF THE ACCOUNT IMMEDIATELY. ACCOUNT NAME AND NUMBER ARE LISTED BELOW. I'M ATTACHING MY FTC LETTER, WHICH I PREVIOUSLY SENT TO THE CREDIT BUREAUS. ACCOUNT WAS ALSO RECENTLY CLOSED. 

ACCOUNT NAME : 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 2025-10-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: AR

Complaint narrative:
I took a loan out with this company, have been making monthly payments in the amount of XXXX, well this month they deducted XXXX twice abd when I called to ask why they said it was a mistake and I asked them to reverse the charge they said they could not and that they would send a check in the mail .. which could take 30 days im not sure if thats true that they can not reverse the payment by putting the money back into my bank account so that is why I am writing you guys. Im a XXXX veteran and essentially live paycheck to paycheck I can afford the XXXX but in today 's economy taking XXXX payments is going to strap me severely for cash especially since I get no state assistance. Im writing to see if their is anything yoy can do to help me recoup my money back of XXXX whoch they fraudentley debited from my bank account the XXXX debits happend yesterday morning on XX/XX/year> and the loan company is XXXX out of Florida. Thank yoy and I will be waiting for your response in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with XXXX U.S.C. XXXX, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-10-31 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: VA

Complaint narrative:
I am disputing inaccurate, outdated, or unverifiable information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 605B, I am requesting a full reinvestigation of these items to ensure maximum possible accuracy and that any information found to be fraudulent or related to identity theft be immediately blocked from my report. 
XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX * * Balance : {$7400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XX/XX/year> TransUnion

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-31 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: TX

Complaint narrative:
I am submitting this second-round formal complaint because my previous disputes have not been properly addressed, and the inaccurate and unauthorized information remains on my credit report with EQUIFAX. Despite providing my identification, Social Security number, proof of current address, and all supporting documentation, these negative and unverifiable items continue to harm my credit profile unfairly. 

My EQUIFAX credit report still contains unauthorized hard inquiries and a fraudulent charge-off account that I never opened, authorized, or approved. These entries were placed without my consent, and the creditors involved have failed to provide any proof of a legitimate business purpose, signed authorization, or verifiable documentation to justify their presence. 

Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a reported balance of {$130.00}. 

I did not authorize or open this account, and I have no knowledge of any such credit relationship. This account was added to my credit report without my consent and is negatively affecting my credit score. This represents a clear violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1681i Right to dispute and have inaccurate or unverifiable information removed.

15 U.S.C. 1681s-2 Furnishers must not report inaccurate or false information.

15 U.S.C. 1681b No permissible purpose for accessing or reporting this account.

15 U.S.C. 1681e ( b ) Requires credit bureaus to maintain maximum possible accuracy.

15 U.S.C. 1692e ( FDCPA ) Prohibits false or misleading representations in debt collection.

The continued reporting of these unverified and inaccurate records, despite my prior disputes, demonstrates willful noncompliance and negligence under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am submitting this complaint to dispute and request correction of inaccurate late payment reporting that has appeared on my credit profile concerning my accounts with XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. These inaccuracies have created a misleading reflection of my payment behaviour and have negatively affected my overall credit standing.

For my XXXX XXXX XXXXXXXX account, the report currently reflects that I was 30 days late around XX/XX/XXXX, followed by 60-day late entries between XXXX and XX/XX/XXXX, and a 90-day late notation in XX/XX/XXXX. These reported delinquencies are inaccurate and do not align with my verified payment activity.

In addition, my XXXX XXXX account, which lists a Balance of {$3.00}, with Date of Last Activity, Date Reported, and Date Opened all on XX/XX/XXXX, shows no record of any late payments in the report. Despite this, the account appears to have been flagged or reported inconsistently, which raises concern about the accuracy of how the account data is being furnished.

Under FCRA 602 ( A ) [ 15 U.S.C. 1681 ], every consumer is entitled to fair and accurate credit reporting. Furthermore, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit information be reported with the maximum possible accuracy, which is not reflected in the current reporting. In addition, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] explicitly prohibits furnishers from reporting information they know or should know to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: FL

Complaint narrative:
I am submitting this complaint to dispute and request correction of inaccurate late payment reporting that has appeared on my credit profile concerning my accounts with XXXXXXXX XXXX XXXXXXXX and XXXX XXXX. These inaccuracies have created a misleading reflection of my payment behaviour and have negatively affected my overall credit standing.

For my XXXX XXXX XXXXXXXX account, the report currently reflects that I was 30 days late around XX/XX/XXXX, followed by 60-day late entries between XXXX and XX/XX/XXXX, and a 90-day late notation in XX/XX/XXXX. These reported delinquencies are inaccurate and do not align with my verified payment activity.

In addition, my XXXX XXXX account, which lists a Balance of {$3.00}, with Date of Last Activity, Date Reported, and Date Opened all on XX/XX/XXXX, shows no record of any late payments in the report. Despite this, the account appears to have been flagged or reported inconsistently, which raises concern about the accuracy of how the account data is being furnished.

Under FCRA 602 ( A ) [ 15 U.S.C. 1681 ], every consumer is entitled to fair and accurate credit reporting. Furthermore, FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] requires that credit information be reported with the maximum possible accuracy, which is not reflected in the current reporting. In addition, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] explicitly prohibits furnishers from reporting information they know or should know to be 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 non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing the accuracy of the Capital One account ending in XXXX. The balance and payment history are inconsistent and unverifiable. 

Capital Ones own correspondence lists multiple different balances ( {$370.00}, {$260.00}, and {$100.00} ) even though I made a {$200.00} payment before closure. These conflicting amounts prove the reporting is inaccurate under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this account be deleted from all credit bureaus because Capital One can not provide a consistent or verifiable balance history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint after reviewing my credit report and finding several inconsistencies in how some of my accounts are being reported. I take great care in maintaining my credit, and these discrepancies are causing an inaccurate reflection of my financial history. I am therefore requesting that you conduct a full reinvestigation to ensure all information in my file is complete and correct.

My XXXX XXXX account shows a balance of {$19000.00}, with activity dates beginning XX/XX/XXXX, and reports a series of late payments including 30 days late from XXXX to XXXX XXXX, 60 days late in XX/XX/XXXX, and additional 30-day lates in XXXX and XX/XX/XXXX. These reported delinquencies are inaccurate and inconsistent with my payment records and account status.

One of my XXXX XXXX XXXX  accounts reports a XXXX balance with a last activity date of XX/XX/XXXX, and a last payment made on XX/XX/XXXX, but also reflects irregular reporting patterns that do not align with my actual payment history. Another XXXX XXXX XXXX  account also shows a XXXX balance, a last activity date of XX/XX/XXXX, and a 30-day late mark in XX/XX/XXXX, which is incorrect as the account was being managed responsibly during that period. 
Additionally, my XXXX XXXX XXXX  account lists a XXXX balance, date of last activity as XX/XX/XXXX, and opened on XX/XX/XXXX, but incorrectly reports a 30-day late payment despite showing a regular payment status. These inconsistencies suggest errors in data furnishing or processing that require immediate review and correction.

Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must maintain reasonable procedures to assure maximum possible accuracy of the information they report. When accounts are listed as closed and delinquent in one file but open and current elsewhere, it raises serious concerns about compliance with this accuracy requirement.

Additionally, FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] gives me the right to dispute any information I believe to be inaccurate or incomplete and requires you to conduct a reasonable reinvestigation. Any data found to be unverifiable or inconsistent must be corrected within thirty ( 30 ) days of receiving this notice.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] prohibits furnishers from reporting data they know, or have reasonable cause to believe, is inaccurate. It is therefore necessary for you to confirm the accuracy of the information received from the furnishers before continuing to report it. Finally, FCRA 605 ( a ) [ 15 U.S.C. 1681c ( a ) ] prohibits the reporting of obsolete or re-aged derogatory information, such as outdated late payments tied to accounts that have long been settled or closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Continued Furnishing of Inaccurate Information XXXX / Capital One ( Re-Aging Violation After Prior CFPB Case ) I previously filed CFPB Case XXXX XXXXXXXX regarding inaccurate reporting by Capital One and XXXX. Although the CFPB closed that complaint, XXXX has since issued a new report dated XX/XX/XXXX showing the same Capital One tradeline as Verified and Updated. 

The account continues to report incorrect and re-aged information showing a charge-off with a {$3100.00} balance, a past-due notation, and inconsistent status-update dates ( XX/XX/XXXX XX/XX/XXXX ). These updates occurred after the initial dispute and CFPB case, violating the FCRAs prohibition on continued furnishing of inaccurate information under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and failure to conduct a reasonable reinvestigation under 1681i ( a ) and 1681s-2 ( b ). 

XXXX system marked the account under dispute, yet simultaneously displayed it as verified and updated. No documentation or method-of-verification was provided by either XXXX or Capital One, only a generic XXXX cardmember agreement unrelated to this account. 

I am requesting : XXXX. Deletion of the Capital One tradeline from XXXX report ; XXXX. Cessation of inaccurate reporting and re-aging of the account ; XXXX. Confirmation that XXXX and Capital One are in full compliance with FCRA 623 ( b ) and 611 ( a ) ( 6 ) ( B ) ( iii ). 

Evidence attached includes screenshots of the XXXX Verified & Updated result ( XX/XX/XXXX ), the Account Under Dispute page, and prior CFPB correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
All of my bank deposits are cleared. I was sending money to my own crypto wallet that I have used more than XXXX times, but they restricted my account for what?

Company response to consumer: Closed with explanation