vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 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:
Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Sent is proof from my credit report this was paid and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/year> and my vehicle was totaled. The insurance for the driver of the XXXXXXXX XXXX  paid my vehicle off. The vehicle loan was through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX Arkansas. I filed a dispute with XXXX on XX/XX/year> and the results was ready in only 3days. How can you properly investigate my dispute in only 3days. This item on my report showing no payment in the last 45 days is hurting my credit report and I want it updated effective immediately. I can provide the insurance adjuster phone number and he can tell you that the said vehicle has been paid off. What XXXX problem is I don't know but they did not properly investigate my dispute I mean it took only 3 days for them to come back with the results. I am not asking for anything but to get my credit report up to date and accurate period. I don't know why XXXX XXXX XXXX refuses to report this vehicle paid off. I need assistance with this matter because no one is even trying to correct my credit report and I've had it with XXXX They do absolutely nothing to help the consumer and they expect you to purchase a subscriptionXXXX need to be investigated for the lack luster job they do handling disputes I don't have to lie about the vehicle being totaled and paid off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2025-11-08 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: FL

Complaint narrative:
I am a victim of identity theft. My Experian credit report contains multiple fraudulent accounts, charge-offs, and late payment entries that do not belong to me. 

These false accounts have caused me to be denied a job offer, as the employers background check relied on Experian data showing inaccurate derogatory information. This has caused direct harm to my employment and reputation. 

I have already contacted Experian and filed disputes, yet several identity-theft-related accounts remain on my report. 

I am requesting that the CFPB ensure Experian permanently deletes all fraudulent accounts and updates my credit report to accurately reflect only legitimate information belonging to me. I also request Experian notify any employers or third parties who received the inaccurate report that these items were fraudulent and have been corrected.

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 2025-11-09 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXXXXXX XXXX for my auto loan and Capital One for 2 credit cards are reporting late payments that are incorrect. The auto lender confirmed my payment was made on time and admitted the late report was their error. Capital One told me to dispute the account. The missed payments for capital one are from XXXXXXXX XXXX XXXX XXXX XXXX  I have proof that payments were being made and I called and they confirmed that I did make the payments These false late payments are preventing me, a 100 % XXXX veteran, from purchasing a home using a VA loan. 

I am requesting that the inaccurate late payments be removed and corrected with all 3 bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries To Experian, I am formally disputing several unauthorized hard inquiries that appear on my Experian credit report. Under the Fair Credit Reporting Act ( FCRA ), any company pulling my credit must have a permissible purpose and my documented authorization. 
After reviewing my consumer report, I found the following inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX / XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX I am requesting that Experian provide documentation containing my physical or electronic signature proving that I granted authorization for each of the inquiries listed above. 
If you can not provide proof of my signed authorization for each inquiry, Then under FCRA 604 & 611, you are required to delete these inquiries as they would be considered unauthorized.

Please complete your investigation within 30 days and send written confirmation of the results to my mailing address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Capital One Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Notice / Request for No Further Contact To Whom It May Concern : I am writing to formally request that Capital One cease all communication with me regarding any account or alleged debt that you claim I owe. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and any other applicable state or federal consumer protection laws.

I do not consent to further contact from your company, its affiliates, or any third parties acting on your behalf, except as allowed by law. You may only contact me to : 1. Confirm that you will comply with this cease and desist request, or 2. Notify me of any specific legal action you intend to take.

If you believe I owe a balance, I hereby dispute the validity of the alleged debt and request written verification of the debt, as provided by 15 U.S.C. 1692g ( b ). 

Please take notice that any further contact from Capital One, or from any debt collectors representing Capital One, beyond what is legally permitted, will be considered a violation of federal law. I will not hesitate to report such violations to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state. 

Thank you for your immediate attention and compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am writing to dispute inaccurate information that is damaging my credit report. The account in question is listed as : Creditor : Ally Financial Account Number ( last XXXX digits ) : XXXX Reported Late Payments : XXXX, XXXX, XXXX, XX/XX/year> This information is inaccurate and misleading. I did not miss any payments on this account. The issue occurred when I traded in/ replaced my vehicle through the same lender, and the company mistakenly reported missed or late payments during the transition. My payment history has been consistent and on time. 

Because this reporting error has caused a significant drop in my credit score, I am requesting an immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611. 

I ask that you : Contact the furnisher ( Ally Financial ) and verify this information with proper documentation. 

Provide me with written evidence of the alleged missed payments ( including payment records or signed statements ). 

Delete or correct the inaccurate late payment notations and update the account to show an on-time payment history. 

If the information can not be verified, I request that it be removed immediately from my credit file in compliance with the FCRA. 

Thank you for your prompt attention to this matter. Please send written confirmation once the investigation is complete. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I never approved its creation or use. Attached are the supporting documents to validate my claim.

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 2025-11-08 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 have sent a formal federal notice that several accounts are being reported on my credit file without validation, without proof of assignment, without a legally verifiable debt, and in violation of the FCRA, FDCPA, and XXXX compliance standards. 
Under federal law, you are required to delete all accounts that can not be verified, all credit bureaus and creditors have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: GA

Complaint narrative:
Subject : FCRA Violations Identity Theft, Mixed File, and Improper Reinsertion of Deleted Tradelines I am submitting this complaint against TransUnion, Experian, and Equifax for failing to maintain accurate and verifiable credit-file data under the Fair Credit Reporting Act. 

I am the verified victim of identity theft and multiple data breaches, confirmed by FTC Identity-Theft Report and Police Report # XXXX. Despite prior deletions and reinvestigations, the bureaus have : Reinserted previously deleted accounts without furnisher certification or notice ( 611 ( a ) ( 5 ) ( B ) ) ; Reported conflicting account statuses across bureaus ( e.g., XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ) ; Recorded unauthorized hard inquiries ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, etc. ) without permissible purpose ( 604 ) ; Mishandled personal identifiers and mixed my data with other consumers ; and Maintained outdated or conflicting names, addresses, and employer data ( 607 ( b ) ).

These systemic errors have caused financial injury by impairing my ability to obtain business credit and banking approvals, since lenders rely on specialty databases ( XXXX XXXX XXXXXXXX, XXXX, XXXX, etc. ). I have requested deletion, blocking, and verification under 605B, 607 ( b ), 609 ( a ), and 611, yet no bureau has provided a lawful Method of Verification or evidence from the original furnishers.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: WA

Complaint narrative:
Automatic payments are being taken out without my permission double payments have been taken as I send in checks too ( XXXX ) the bank ( XXXX has called to cancel ) this is ford credit union

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I had a telehealth visit with a doctor and paid my {$95.00} co-pay at the time of service. I was never informed of any additional charges related to this visit. 

Several months later, I received a notice from a collection agency regarding a balance of {$82.00}. I had not received any prior bills, statements, calls, or emails from the doctors office alerting me to this balance before it was sent to collections. 

I contacted the doctors office multiple times by email to dispute the charge and request an itemized explanation. All emails were ignored, and the office failed to provide a response. 

Later, the office provided an explanation stating the {$82.00} represented the portion of my visit applied to my annual deductible. They claim statements were sent through the patient portal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that the account was sent to collections after no response. 

I did not receive any email notifications or other communications regarding these portal statements. I rely on direct communication from the office and was unaware of this balance until contacted by the collection agency. 

I am reporting this because : The doctors office sent the account to collections without proper notice. 

They ignored my repeated attempts to resolve the issue. 

The collection action was initiated without ensuring the patient had received adequate notification. 

The total disputed amount is {$82.00}, and the account remains in collections despite my attempts to resolve the matter directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macys and XXXX store Credit card closed my accounts after 10 years of been a great customer causing my credit score to go down. I called the company they said I havent used my card in a while, which is a lie. I have used my XXXX XXXX weeks ago and XXXX in XX/XX/year>.

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
DEAR Apple Card Goldman Sachs Bank USA XXXX ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Re : Request to Remove Inaccurate Credit Information To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : BANK OF AMERICA XXXX DATE OPENED XX/XX/year> BALANCE {$8700.00} This account is the result of identity theft and all the information reported in here are all erroneous and fraudulent. Please block this account in my credit reports.

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 2025-11-09 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:
I never opened this account, and its presence on my report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint because Suncoast Credit Union is reporting inaccurate and misleading information on my credit report. The account shows a charged-off balance of {$750.00} with repeated late and charge-off notations, even though I have disputed this account multiple times and was informed that the investigation was completed, yet the errors remain. I have not received any proper validation or documentation verifying this debt or proving that Suncoast Credit Union has accurately reported the payment history and balance. The reporting appears inconsistent with my records and unfairly damages my credit profile. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Suncoast Credit Union to provide complete verification of the account, including signed documentation and a full payment record. If the company can not validate this information, I request that the account and all associated negative reporting be permanently deleted from my credit report.

Company response to consumer: Closed with explanation