vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Subject : Formal Dispute Unverified and Inaccurate Reporting in Violation of FCRA 611, 623 To Whom It May Concern, This is a formal dispute and demand for immediate reinvestigation and deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i ( Section 611 ) and 1681s-2 ( Section 623 ).

The item listed below is inaccurate, unverifiable, and unlawfully reported : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX. Account Number : XXXX Reference Number : XXXX I previously requested validation from the collector as permitted under the Fair Debt Collection Practices Act ( F

DCPA 809 ( b ) ). The company responded with a fabricated Account Summary Report that their
own letter admits XXXX XXXX is not a statement from the original creditor and does not include a signed agreement, billing statements, or assignment documentation. Because the collector could not legally validate the debt, the information currently appearing on my credit report is unverified and unlawful under federal law. Under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation to verify the accuracy and completeness of any disputed information. If the furnisher ( XXXX XXXX or XXXX  ) can not produce verified documentation from the original creditor, you are legally obligated to delete the account from my file. This account has caused demonstrable harm to my creditworthiness, and continued reporting of unverifiable information constitutes willful noncompliance with FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ). 

I demand the following actions : 1. Immediate deletion of the XXXX  account from my Experian and XXXX  credit files ; 2. Written confirmation of deletion within " 30 days '' as mandated by FCRA 611 ( a ) ( 5 ) ( A ) ; 3. Copies of all documents you relied upon to verify this account, if you choose to maintain it.

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, and I will pursue civil damages under 15 U.S.C. 1681n and 1681o for negligent and willful violations. This notice serves as a " final warning and demand for correction ''. I expect full compliance within the timeframe prescribed by federal law. 

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 2025-11-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding a fraudulent XXXX account that was opened in my name without my knowledge or authorization and subsequently reported to the credit bureaus. I discovered this unauthorized account while reviewing my credit report. I have never applied for, authorized, or received credit from XXXX XXXX XXXX, and therefore believe this is a clear case of identity theft. 

Factual Background Upon discovering the fraudulent account, I immediately contacted XXXX to dispute the information and requested that the account be verified or removed. Despite my prompt efforts, the account remains improperly reported on my credit file. XXXX  failure to address this matter has caused significant harm to my credit reputation and has resulted in emotional distress. 

I am requesting the Consumer Financial Protection Bureaus ( CFPB ) prompt action under its enforcement authority to ensure XXXX  compliance with the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and applicable identity theft protections. 

Legal Violations XXXX  actions, or lack thereof, may constitute violations of multiple federal consumer protection laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
1681s-2 ( a ) : Prohibits furnishers of information ( such as XXXX ) from reporting information they know or have reasonable cause to believe is inaccurate. 
1681s-2 ( b ) : Requires furnishers, upon receiving notice of a dispute from a consumer reporting agency, to conduct a reasonable investigation and to correct or delete any inaccurate or unverifiable information.

1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation within 30 days of receiving notice of a dispute and to promptly delete unverifiable information.

2. Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666 et seq.

To the extent XXXX extends revolving or installment credit, its failure to properly investigate and correct fraudulent transactions constitutes a violation of the FCBAs billing error provisions. 
3. Identity Theft Protections ( FCRA and FACTA Amendments ) Under 15 U.S.C. 1681c-2, consumers have the right to request a block of information on their credit report that results from identity theft. XXXX continued furnishing of information related to this fraudulent account violates these protections.

Conclusion The buy now, pay later account in question is entirely fraudulent and represents a serious breach of federal consumer protection laws. I request immediate investigation, deletion of the account from my credit reports, and enforcement action to ensure XXXX  compliance with applicable 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 2025-11-08 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: CA

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 : XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  BALANCE {$0.00} Charged-off with no clear charge-off or last payment date. Verify actual last payment charge-off date and ensure Date of First Delinquency is accurate. 


XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXXXXXX  BALANCE {$9900.00} Charged-off with no clear charge-off or last payment date. Verify actual last payment charge-off date and ensure Date of First Delinquency is accurate. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX DATE OPENED XX/XX/XXXXXXXX  BALANCE {$560.00} This account has been paid before it went to the collection Please delete this immediately.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX ( XXXX  ) continues to furnish inaccurate and inconsistent credit information to TransUnion and Experian despite issuing an IRS Form 1099-C on XX/XX/XXXX for {$5300.00}, confirming the debt was discharged and a {$0.00} balance remains. 

XXXX  completed its reinvestigation and deleted this same tradeline as unverifiable on XX/XX/XXXX ( CFPB # XXXX ). However, TransUnion and Experian continue to report the account as charged-off or written off {$5400.00}, which is inaccurate and misleading. 

I submitted multiple disputes directly to each bureau in XX/XX/XXXX and provided supporting documentation, including the Form XXXX, XXXX letters XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and proof of XXXX  deletion. Despite this, TransUnion and Experian failed to verify the data or correct the record, instead issuing template responses without substantiation. 

XXXX  latest response ( postmarked XX/XX/XXXX ) admits the 1099-C and {$0.00} balance but refuses to delete the tradeline, contradicting FCRA 623 ( b ). The continued reporting of a discharged debt constitutes willful non-compliance and is causing ongoing harm to my credit and financial reputation.

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 2025-11-08 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:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
information intentionally harms my personal credit profile and prevents me from any opportunities and puts a finanical strain on my life, which is illegal 15U.S.C 1681 ( a )

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding [ XXXX/Experian/XXXX  XXXX for failure to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning unauthorized hard inquiries that appear on my credit report. 

On XXXX, I submitted a written dispute to credit bureaus identifying several unauthorized hard inquiries that I did not initiate or authorize. The disputed inquiries include the following 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 These inquiries were not authorized by me and do not reflect any legitimate application for credit, insurance, employment, or other permissible purpose as defined by FCRA 604 ( 15 U.S.C. 1681b ). 

Under FCRA 611 ( 15 U.S.C. 1681i ), a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate, record the current status of the disputed information, or delete it within 30 days. 

However, XXXX, XXXX, and Experian failed to conduct a proper reinvestigation and instead responded with a generic statement that the inquiries were verified as accurate without providing : Any documentation from the furnishers showing my written or electronic authorization ; Evidence that a permissible purpose existed for these inquiries ; or Any proof that the bureau contacted the entities responsible for the inquiries. 

This constitutes a willful or negligent violation of FCRA 611 ( a ), 604 ( a ), and 607 ( b ). As a result, unauthorized inquiries remain on my credit file, negatively impacting my creditworthiness and score.

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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I initiated contact with the capital one auto loan to inquire about settling my outstanding car loan balance. On XX/XX/XXXX, around XXXX XXXX, I engaged in a conversation with a representative who indicated that I could settle for {$4000.00}. I was en route to the bank to make the payment when the representative informed me that the settlement was no longer viable, as my car had purportedly been repossessed. I endeavored to explain that this information was inaccurate, as I was driving my car at the time of our conversation. The representative abruptly ended the call. 
Approximately two weeks later, I received a letter detailing the requirements for reinstating my vehicle or facing a private auction sale. 
Subsequently, I received another letter stating that I am being sued for the outstanding balance on the vehicle. I believe this is unjust, as the initial repossession statement was false and constitutes defamation of character. I possess documentation of the phone call, including the date and time. Notably, I have made significant payments on my truck, totaling over {$25000.00}, with the original purchase price being {$28000.00}. I also put down a very high deposit for my vehicle just to discover a week later the vehicle was a lemon and came with a lot of problems. 
I'm the one absorbing the loss since the majority of my payments were directed towards interest instead of the car payment itself, contrary to my specific requests to prioritize the car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX at approximately XXXX XXXX  XXXX I transferred XXXX dolllars from my Bank of America savings to checking using a phone representative. The representative had me verify my account. In the online banking app and the funds were deposited. Around XXXX XXXX  XXXX I tried accessing those funds via the atm 3 times and received a decline message. I checked my BOA checking account and saw I only had approximately {$14.00} in my account. The online banking showed that they were only able to show my balance as of the day before Thursday, XX/XX/XXXX. s. After being left with no access to my funds for close to 2.5 hours I finally was able to XXXX XXXX to my other accounts because my debit card still did not work. 

This is unacceptable and this bank should be reported, sued and forced to pay its customers for the inconvenience and harm it did. I was in the middle of a small country town unable to access any of my funds! 

I can only imagine the dangerous situations others were left in.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and incomplete reporting of a late payment on my credit file. The late payment was not a traditional delinquency but was required as part of a XXXX XXXX XXXX XXXX program to secure a lower interest rate. Despite my disputes, the bureaus have verified the item without providing documentation, and they have failed to annotate the account as disputed by consumer as required by law. 

Issues - Inaccuracy/Inconsistency : Two bureaus report the account as 180 days late, while one reports 120 days late.

This discrepancy violates FCRAs accuracy requirement. 

Failure to Annotate : MyFICO reports show no disputed by consumer notation during the reinvestigation. 
This omission violates FCRA 1681c ( f ).

Verification Process Deficiency : Bureaus verified the late payment but did not provide documentation of the verification process.

This undermines the reinvestigation requirement under FCRA 1681i.

Context of VA Loan Program : The missed payments were mandated by the XXXX XXXX XXXX XXXX to qualify for a lower interest rate. 

Reporting them as delinquent misrepresents the nature of the payments and unfairly penalizes me.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and incomplete reporting of a late payment on my credit file. The late payment was not a traditional delinquency but was required as part of a XXXX XXXX XXXX XXXX program to secure a lower interest rate. Despite my disputes, the bureaus have verified the item without providing documentation, and they have failed to annotate the account as disputed by consumer as required by law. 

Issues - Inaccuracy/Inconsistency : Two bureaus report the account as 180 days late, while one reports 120 days late.

This discrepancy violates FCRAs accuracy requirement. 

Failure to Annotate : MyFICO reports show no disputed by consumer notation during the reinvestigation. 
This omission violates FCRA 1681c ( f ).

Verification Process Deficiency : Bureaus verified the late payment but did not provide documentation of the verification process.

This undermines the reinvestigation requirement under FCRA 1681i.

Context of VA Loan Program : The missed payments were mandated by the XXXX XXXX XXXX XXXX to qualify for a lower interest rate. 

Reporting them as delinquent misrepresents the nature of the payments and unfairly penalizes 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 explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX Loan Care actively participated in stealing XXXX insurance, home damage funds from XX/XX/XXXX to XX/XX/XXXX. The Bank refused to respond and failed to facilitate the repairs on our recently purchased home. 
* Identity theft scams * Damage leading to bankruptcy * New Social security number issued * Abuse to XXXX Veteran family * Raw sewage/pipe burst * Catastrophic damage to lifestyle and credit. 
* XXXX XXXXXXXXLoan care ignores our letters and gives us the runaround. 
We are respectfully requesting that you return our funds. 
* Police report filed * Id theft filed * Chapter bankruptcy filed * XXXX XXXXLoan care have settled many such cases in the past and it's a pattern. 
* XXXX XXXX proof

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 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX repossessed my XXXX XXXX. I received no prior notice or warning. I simply woke up and the vehicle was gone. I believe this is an unfair and predatory practice. I am not being given a reasonable opportunity to cure a minor default. 

This default was only 22 days late. The * only * reason for this brief lapse was a severe family medical emergency, as my brother is terminally ill. I was planning to make the full catch-up payment on XX/XX/XXXX, the day it was taken. 

I am a mother of XXXX daughters and this is our only vehicle to get them to school. They took the vehicle with my XXXX small daughters ' car seats inside, and they are now refusing to give me a timely way to retrieve this essential property. 

I have a substantial payment history on this loan, including a {$20000.00} down payment and two years of monthly payments of approximately {$1300.00}.

I am prepared to pay the full past-due amount ( 22 days ) plus all repossession fees * immediately * to reinstate the loan. Westlake has formally denied my request to reinstate. They are demanding the full accelerated balance of {$52000.00} by XX/XX/XXXX. 

I already paid more than {$50000.00} to this vehicle that was worth less than {$55000.00} when i bought it.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

UNAUTHORIZED INQUIRIES : XXXXXXXX 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 XXXXXX/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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My bankruptcy was dismissed, but the credit report still reports that the information is correct. Since the bankruptcy was rejected, please remove this information from the credit report.

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: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My bankruptcy was dismissed, but the credit report still reports that the information is correct. Since the bankruptcy was rejected, please remove this information from the credit 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