vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
Charged-Off Account in Dispute I dispute the following account as it appears on my Equifax credit report : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Reported : {$2700.00} This account is being reported as charged off, and I dispute the accuracy of the balance and reporting status. I am requesting Equifax conduct a full reinvestigation and verify all required reporting elements, including balance accuracy and compliance with the FCRA. If the account can not be verified, it should be removed. 

At this time, no additional inquiries or late payment accounts are listed for Equifax in this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX. The debt allegedly originated around XXXX, yet it is being reported as opened in XXXX, which constitutes improper re-aging under the Fair Credit Reporting Act. 

I disputed this with TransUnion, and while the collector verified the account, the incorrect dates were not corrected. Instead, peripheral data was updated during an active dispute. 

Additionally, this account is reporting under my former maiden name, raising concerns of improper identification and mixed-file reporting. 

I also sent a written debt validation request via certified mail, which was delivered, yet the collector continues to report the account without providing proper validation. 

The collector has also contacted my spouse in an attempt to locate me, further raising concerns regarding compliance with the FDCPA. 

I am requesting deletion of this account due to inaccurate reporting, improper re-aging, and failure to properly validate.

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 2025-12-23 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 regarding fraudulent accounts that continue to be reported on my credit file without my knowledge, authorization, or consent. These accounts are the result of identity theft. 

I previously filed an Identity Theft Report with the Federal Trade Commission on XX/XX/2025 ( FTC Report # XXXX ) and submitted a prior CFPB complaint on XX/XX/2025. Despite providing notice and sufficient time for investigation, several fraudulent accounts remain inaccurately reported. 

The credit bureaus and furnishers are continuing to report accounts that do not belong to me, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 602, 604, 611, 616, and 623 ) and the Fair Debt Collection Practices Act. Continued reporting after notice of identity theft constitutes willful noncompliance and defamation. 

I am demanding immediate deletion of the fraudulent accounts listed below and written confirmation of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am disputing a debt that Spring Oaks Capital LLC is attempting to collect and report to credit reporting agencies. I am a Georgia resident. After reviewing the companys licensing through the NMLS Consumer Access database, I confirmed that Spring Oaks Capital LLC is not licensed or authorized to collect consumer debt in the State of Georgia. 

I previously sent multiple written disputes requesting validation of this debt, including : A signed agreement or contract establishing my legal obligation Proof of ownership or authority to collect A complete accounting of the alleged balance The company failed to provide any of this information and has continued to report the account to consumer reporting agencies and attempt collection. Because the company is not licensed in Georgia, it lacks legal authority to collect this debt, and the amount being reported is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: MO

Complaint narrative:
I called the servicer in late XXXX and asked what penalties or fees would be incurred if the mortgage went 30 days late due to a closing the next month in XXXX. They stated it would be a calculated late fee and would not report to the credit bureau. When I received the payoff statement for the loan closing, it included attorney fees and default charges that were not discussed in the previous call, totalling almost XXXX. If I had known I might be or would be subject to these additional fees, I would have made the XXXX payment. When I called back to discuss these concerns, the servicer stated they would use it as a coaching opportunity for the rep, but there is nothing they can do about the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: PA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
To whom it may concern : I have three store cards via a company called Synchrony Bank : XXXX, XXXX, and XXXX. All three websites for these cards make it very difficult to log in and view my account activity, as they constantly request that I verify my identity using a phone number I no longer have access to. They do not offer any other methods of verifying my identity. This makes it difficult to make payments and to review my account in order to ensure fraud has not occurred. 

There must be some rule or regulation against this kind of thing. They do not offer sending an email to the address on the account ; they don't have security questions ; etc. Literally no other method to verify who I am other than using the XXXX phone number. The website links when trying to resolve this are cyclical and just point back to XXXX another as well. 

I have called them repeatedly over the last year to try to resolve this, and they claim their hands are tied and there's nothing they can do, that it's just how their website works. I have at least XXXX other credit cards via XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and I have XXXX issues logging in to their sites, even when they randomly request that I verify my identity. 

Yes, I can make a payment over the phone, so that is a secondary method that prevents me from being late and negatively affecting my credit score, but it is quite difficult to review account activity via their automated system.

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 2025-12-23 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: TX

Complaint narrative:
I am requesting reinvestigation of the XXXX XXXX account ending in XXXX. On XX/XX/year>, I disputed this account with Experian. On XX/XX/year>, Experian advised that the account was verified as accurate ( report number : XXXX ). However, following a separate reinvestigation, XXXX  advised me on XX/XX/year>, that this account is not currently reporting on the XXXX  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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding my credit report and the inaccuracies and issues I have identified across the XXXX credit bureaus : Equifax ( EQ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Below are the accounts I am disputing, categorized by account type, with details for each bureau. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, I booked a hotel reservation through XXXX for {$1800.00}. At the time of booking, I believed the reservation was a reserve now, pay at the property booking, with payment due at check-in. I did not intend for the full amount to be charged immediately. 
Within XXXX hours of booking, after discussing plans with my family, I canceled the reservation through the XXXX app. After canceling, I contacted XXXX to confirm the status of my refund and was informed that the charge was non-refundable. 
During that same conversation, I asked XXXX whether the original reservation could be reinstated if a refund was not possible, since I canceled under the belief that the charge had not been finalized. XXXX informed me that the reservation could not be reinstated because it had already been canceled. As a result, I neither received a refund nor retained the hotel reservation within XXXX hours. 
I contacted XXXX multiple times to request clarification of the charge, documentation of the cancellation, and the refund policy applied, confirmation of whether the booking was prepaid or pay at check-in, and assistance with either a refund or reinstatement. No clear documentation or satisfactory explanation was provided, and no resolution was reached. 
I then disputed the charge with my credit card issuer, but the dispute has not been resolved. I am seeking a fair resolution due to the lack of transparency regarding the booking terms and the denial of both a refund and reinstatement despite timely cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
A debt collector, Aldous & Associates, is reporting a collection account related to XXXX XXXX on my credit report that I dispute. I requested validation of the alleged debt and verification of the information being furnished to consumer reporting agencies. 

I provided identifying information and copies of my credit report showing the disputed collection account. I am requesting that the company conduct a reasonable investigation, provide proper validation of the debt, and correct or delete any information that can not be verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
A direct request for reinvestigation and method of verification under 15 U.S.C. 1681g ( 609 ), 1681i ( 611 ), 1681b ( 604 ), and 1681e ( b ) ( 607 ( b ) ). 
Under XXXX XXXX Trans Union Corp., Experian must conduct a reasonable, documented reinvestigation and may not rely solely on automated furnisher responses. Any item that can not be fully verified must be deleted. My right has been violated. 15 U.S.C 1681 Section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.

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 2025-12-23 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-23 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: FL

Complaint narrative:
I am submitting this follow-up complaint regarding fraudulent information on my credit report that remains unresolved, despite my previous complaint filed 30 days ago. I am disputing this information pursuant to 15 U.S.C. 1681c-2 and again request that the fraudulent/unauthorized accounts listed below be blocked or removed immediately. 
I have attached a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as fraudulent within four ( 4 ) business days of receiving an identity theft report. However, despite my prior complaint and multiple attempts to resolve this issue directly with XXXX XXXX, the following fraudulent accounts remain on my credit report : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and must be blocked immediately. The continued presence of these accounts is severely damaging my creditworthiness and is preventing me from purchasing a home and accessing essential financial services to support my family and economic stability. 
I have requested verification and copies of contracts related to these accounts from the reporting company, but after more than 60 days, I have received no response. Additionally, these accounts have been removed by other credit reporting agencies due to lack of verification, yet Transunion continues to report them as mine without proper validation. 
I respectfully urge the CFPB to intervene and ensure that XXXX XXXX complies with federal law by blocking these fraudulent accounts immediately and providing me with confirmation of such action.

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