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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: NY

Complaint narrative:
I am trying to access my account to make a payment and since I dont have my card number ( I just moved and it is packed ) I am unable to do so. They are willing to allow me to make my payment over the phone but the late fee is the same amount exactly as my payment and when asked why that is I get no good response but thats just what it is. Ive never heard of this and believe this is committing some sort of fraud.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer report.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint against Santander XXXX  USA for inaccurate and harmful credit reporting. 



In XX/XX/XXXX, I financed a vehicle through Santander. In XXXX, the vehicle was involved in a total-loss accident. At the time, I had full coverage insurance through XXXX and Gap insurance coverage. XXXX promptly issued their payment toward the loan, and my Gap insurance provider took months to release their payment and ultimately did not cover the full balance. 



Despite this, Santander has reported 29 late payments on my credit file and has charged off the account with a balance of {$4200.00}. The attached credit report shows Santander marking me late month after month, even while the insurance claims were pending and payments were being processed. This reporting is factually inaccurate and misleading because the delays were caused by insurance processing not by any neglect or refusal to pay on my part. 



Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers of information are required to report accurate information. Reporting 29 late payments in this situation is inaccurate and harmful. I also have the right under FCRA 611 ( 15 U.S.C. 1681i ) to dispute and demand reinvestigation of this account.

This false reporting has severely damaged my credit profile, leaving me unable to obtain approval for basic credit needs. I am requesting the immediate deletion of the 29 late payments and correction of this account to reflect accurate payment status, as I maintained full insurance and Gap coverage.

I have attached : My credit reports showing the repeated late payments and charge-off, Documentation from XXXX regarding their payout, Documentation showing Gap insurances delayed and partial payment, Accident/total loss paperwork. 




I request that Santander correct this reporting immediately and that the credit bureaus ( XXXX XXXX XXXX ) update their files to remove these inaccurate late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter serves as a formal dispute of the fraudulent accounts that have been added to my credit report without my authorization. These accounts are entirely false and are misrepresenting my financial identity. Their continued presence is damaging, misleading, and unacceptable.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the late payment reported on my credit file, as it is clearly inaccurate. My records confirm consistent, on-time payments, and this entry is an unjust error that undermines my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
DEAR CAPITAL ONE : When I reviewed my credit report recently, I was surprised to see late payments reported on my account # XXXXXXXX XXXX XXXX XXXX XXXX  LATE in XX/XX/year>XXXX  as being 30 days. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX  PORTFOLIO RECOV ASSOCis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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: FL

Complaint narrative:
I hereby contest items tied to accounts not opened by me. Kindly investigate in detail and eliminate them. Evidence is attached.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
The collection company is Sunrise XXXX located in XXXX NY. I was reported on my credit report owing {$390.00} to XXXX XXXX XXXX. 
I was not contacted by the company either through mail or electronic communication. I have cover letter with the USPS and can prove no letters were sent. I can also show no telephonic communication.

I asked the company to verify the amount which they could not do at the time. 
I contacted XXXX XXXX XXXX directly. XXXX XXXX XXXX acknowledged on their part no paper bill was ever sent and the last communication I had when the account was stated XXXX balance. Due to a monthly carryover a bill of {$77.00} was generated. Again I had no knowledge of this debt until it was reported unlawfully to the three credit bureaus. I respectfully request that this matter be investigated and if my case is valid to have the company remove this from my reports and sanctioned accordingly. 

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 2025-09-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 {$9000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : CXXXX 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  : {$3100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One sued me in court their attorney has lied in court, Capital One continues to dodge responsibility for this lawsuit by claiming it was charged off and sold to XXXX XXXX XXXX which is an illegal practice. Capital One XXXX XXXX XXXX is the title of the lawsuit # XXXX. I will attach relevant court docs that shows this information very clearly. Capital One has conspired with XXXX XXXX XXXX how to best violate my rights, first charge off the debt so Capital One declined any responsibility for a settlement then Capital One sold the debt for profit to XXXX XXXX XXXX who conspired in a meeting with Capital One to violate my rights and by violating my rights I mean exactly that they conspired to sue me in court and then dodge responsibility by telling the state that the debt was charged off and given ( SOLD FOR PROFIT ) to XXXX XXXX XXXX who have a very lengthy and hard record of violating consumers rights with terrible XXXX reviews as such as well XXXX below terrible reviews. Capital One is lying when they dodge responsibility, they are complicit in this matter to the core. I ask the State of California to hold them accountable legally I am willing to testify on behalf of the State. Currently Capital One has even made false credit reports all to cause harm without taking responsibility, they have said that I never did a settlement when in fact I hired attorney XXXX XXXX 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 — Reporting company used your report improperly
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services Balance : {$11000.00} Reported as charge-off but multiple entries with different statuses. 

Violations : Disputed by consumer but not corrected. 

Conflicting last activity dates ( re-aging issue ). 

Compensation Violations : 3

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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit file contains multiple entries that are the direct result of criminal identity fraud, as I have never executed any agreements or provided legitimate authorization for these accounts to be established in my name. I have previously contacted your organization concerning this matter and am now making a formal demand for the immediate suppression and elimination of these unauthorized accounts from my credit report. The continued reporting of these false entries has resulted in considerable psychological stress and economic hardship, creating an inaccurate portrayal of my actual financial obligations and payment behavior. Should you fail to resolve this issue adequately, I will pursue all available legal channels to protect my consumer rights and obtain appropriate remedies. These illegitimate credit items have significantly impaired my capacity to obtain necessary financing for crucial life objectives, including real estate acquisition and providing financial security for my household.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to file a complaint regarding the recent and unexpected closure of my three Capital One credit cards without prior notification.

One of these accounts had been paid in full, while the other two were active and in good standing. My XXXX card was approved earlier this year with a {$500.00} credit limit, and another card had been open for over 10 years, making it one of my oldest accounts. All three cards have now been marked as restricted. 

When I contacted customer service, I was informed that the accounts were closed due to activity inconsistent with typical customer account usage. I am seeking clarification, as I have not engaged in any unusual or suspicious activity. The only recent change I made was adding a new XXXX account to allow more flexible payments. I suspect that an error in entering account details may have triggered this misunderstanding. 

This decision has had a severe impact on my credit. Not only were all three closed accounts reported to the credit bureaus, but my credit score has also dropped by XXXX points. 

I respectfully request a full review of my case and an explanation of what inconsistent activity was identified. I am confident that no suspicious activity occurred and would have been available to discuss any concerns before such a drastic step was taken. Please contact me as soon as possible so we can resolve this matter. 

Thank you for your attention. 

XXXX 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and fraudulent. I demand that this late payment be immediately removed from my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief