vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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 sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX - XXXX XXXX  - XX/XX/year> XXXXXXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX- XX/XX/year>XXXX XXXX XXXX XXXX- XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have provided multiple times by email and fax copies of the contract from XXXX moving company and proved beyond a reasonable doubt the original charge and subsequent charges were not only fraudluent but unauthorized and my signature forged when i never even met this owner in person. And as of today i was negative XXXX dollars from XXXX  moving company that capital one reversed. And now today capital one fraudently moved ~ {$87.00} from my joint savings account without permission and for no legitimate reason. This is fraud and thievery at the highest level and so blatant. I have hardship issues and now cant make my electric bill payment that was scheduled tomorrow to come out of that savings account so my power is going to be shut off on top of the bounced payment fees that will be added on by my electric company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against PORTFOLIO RECOV ASSOC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracyXXXXPORTFOLIO RECOV ASSOC XXXX XXXX PORTFOLIO RECOV ASSOC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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 am submitting to formally dispute the reporting of an inaccurate late payment on an open account listed in my credit file. After careful review of my credit report, I have identified a derogatory entry that I believe to be misreported or not properly verified. This entry is negatively affecting my credit standing and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute the reporting of an inaccurate late payment on an open account listed in my credit file. After careful review of my credit report, I have identified a derogatory entry that I believe to be misreported or not properly verified. This entry is negatively affecting my credit standing and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
Im deeply concerned that these inaccurate accounts continue to appear on my credit reports and have still not been taken off. Im pleading for the attached documents to be carefully reviewed so I can finally find peace of mind and stop living in constant worry over this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
I am submitting to formally dispute several inaccurate and unverifiable items being reported on my credit file. For proper identification, my full name, date of birth, and the last four digits of my Social Security number are provided below. These items do not comply with the standards of accuracy, fairness, and verifiability as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 ( a ). I request that you conduct a reinvestigation and delete or correct the following : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX WA XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
I am submitting to formally dispute several inaccurate and unverifiable items being reported on my credit file. For proper identification, my full name, date of birth, and the last four digits of my Social Security number are provided below. These items do not comply with the standards of accuracy, fairness, and verifiability as required under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 604 ( a ). I request that you conduct a reinvestigation and delete or correct the following : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$17000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4500.00} XXXX XXXX XXXX WA XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA 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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau because my credit report continues to reflect inaccurate, unverifiable, and misleading information despite my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). These errors are damaging my creditworthiness and causing ongoing harm, and I am requesting a thorough investigation, deletion of inaccurate information, and compliance with federal law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance Owed : {$0.00} Late Payment This account is reported with a late payment even though the balance is listed as XXXX, which is inherently contradictory. A XXXX balance means there is no outstanding debt, and therefore no delinquency can exist. By continuing to list a late payment, you are misrepresenting the factual status of the account. Under FCRA 607 ( b ), accuracy must be maintained to the maximum possible degree, and this report falls short of that requirement. Despite previous disputes, no proper investigation has been conducted to validate or remove this inaccurate mark. The presence of this late payment harms my creditworthiness by suggesting default where none exists. The failure to correct this error violates FCRA 611, which mandates deletion of unverifiable information. Furthermore, allowing this to remain constitutes defamation of character under consumer protection laws, because it paints me as irresponsible when I have fulfilled my obligations. I have requested supporting documentation, yet none has been provided to prove the legitimacy of this negative entry. Without proof, the reporting is not only inaccurate but also unlawful. Continuing to publish this false information after multiple disputes is evidence of willful noncompliance under FCRA 616. Each day this item remains causes measurable damage to my credit score, my ability to secure fair lending, and my overall financial reputation. I am requesting permanent deletion of this item because it can not be substantiated in compliance with federal law. 

I am requesting the CFPB to step in and enforce compliance with the Fair Credit Reporting Act, require deletion of the inaccurate late payment and removal of unauthorized inquiries, and ensure that the furnishers and bureaus are held accountable for repeated violations of consumer protection laws.

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 2025-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX on my credit report. I have identified inaccuracies that are negatively affecting my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4100.00} Late OpenI believe this account is being reported inaccurately. Specifically The account status is reported as Late Open, which I dispute.

The balance and activity reported may not reflect my actual financial obligations.I have attempted to resolve this directly with XXXX XXXX, but the discrepancies remain on my credit file.

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 2025-09-26 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: TX

Complaint narrative:
I assert that these accounts are not mine and require their removal within 15 days under USC 1681g.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute the reporting of an inaccurate late payment on an open account listed in my credit file. After careful review of my credit report, I have identified a derogatory entry that I believe to be misreported or not properly verified. This entry is negatively affecting my credit standing and may be in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ). 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: WY

Complaint narrative:
In the past I was able to call in and get my balance and transaction information over the phone, but as of last month U.S. bank has made this very hard for me to do. I've tried calling and talking to many people including supervisors about how they have caused me great problems to include overdraft fees because I can't access my account information by phone. The fraud department has even told me to Close my account and take my business to another bank. The fraud department has also made it impossible for me to use my bank card when I'm traveling, and told me to stop in at a us bank and deal with the problems in person. This is impossible since there are states I travel to that do not have a us bank.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am trying to close my citizens Bank account because of all the problems I've been having with them, I did a mobile deposit of a {$1500.00} check recently and they told me it would be available by XX/XX/XXXX and when I tried to login to my account on the XXXX it said my account is inaccessible, then I called citizens and a supervisor told me my relationship with citizens is under review whatever that means I don't really care, I told them to unlock my account because I want to take MY MONEY out and the supervisor told me no, I am mentally XXXX and on social security XXXX and I need that money for deposit for a apartment, I have to vacate here by XX/XX/XXXX if I don't get that money by then I will be homeless on XXXX XXXX because of citizens Bank, your help would be greatly appreciated thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Paid Loans Wrongfully Reported as Negative Dear CFPB, I am submitting this complaint because SELFXXXXXXXX XXXX XXXX XXXX # XXXX XXXX. ) # XXXX is continuing to report negative information on my credit file regarding loans that have been fully paid in full. Once a loan is paid off, no derogatory marks ( late payments, defaults, charge-offs, or collections ) should remain active or misrepresent my account status. 

This conduct violates : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) furnishers must not report inaccurate or misleading information to consumer reporting agencies.

FCRA, 15 U.S.C. 1681i requires prompt correction or deletion of inaccurate credit information.

CFPBs enforcement authority ensures creditors report accurate, fair, and verifiable data.

Requested Resolution I request that the CFPB require SELF/XXXX XXXX to : 1. Delete all negative reporting on accounts that were paid in full.

2. Update my credit file to show {$0.00} balance, paid, and closed in goo
d standing.

3. Provide written confirmation that no further negative information will be furnished to any credit bureau.

4. Apply penalties for violations of the FCRA, including statutory damages for knowingly reporting false or misleading data.ss # XXXX d.o.b XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-26 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: TX

Complaint narrative:
I refute ownership of these accounts ; per USC 1681g, they should be removed within 15 days.

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 2025-09-26 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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