vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: SC

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 : ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} 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 explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I was in a car wreck. I had a semi hit my vehicle. That was my fault. His insurance paid for the loss and gap took care of the rest to pay off the loan entirely. The account is now showing clothes from the car loan, but it only shows the payment from the insurance not the gap. Where did that money go? Also is showing in XXXX that I missed a payment or it was late. This is not accurate. that payment was received from the insurance in XXXX. I was told not to make any payments legally from my insurance and his insurance company on the car loan. The car loan is through XXXX XXXX. It is not showing all payments received. Im curious where the money went and it is showing late missed payments, which is completely an accurate. I was told not to be making these payments. The vehicle was a total loss. I have tried reaching out to them several times they keep on telling me its gon na be updated every month and corrected. No worries it never is.

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 2025-08-26 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: DE

Complaint narrative:
I am formally disputing the inaccurate reporting of the account listed on my Experian credit file as XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

According to my credit report ( see attached ), Experian is reporting this account as charged off with a past-due balance of {$460.00} and ongoing derogatory marks, despite the fact that : 1. The account was closed in XX/XX/XXXX, yet Experian continues to report new delinquencies and charge-off notations well beyond the closure date. 
2. Payment history shows multiple consecutive CO notations ( charge-off ) across XXXX, XXXX, XXXX, and XXXX, which is factually inaccurate and misleading. 
An account can only be charged off once ; repeated CO entries artificially extend the derogatory impact.

3. The account reflects a credit limit of {$450.00} but shows a balance of {$460.00} reported as past due in XX/XX/XXXX, years after closure this is a clear inconsistency and constitutes illegal re-aging of debt. 
4. I have already disputed this account by mail, online, and phone. Experian has refused to correct the inaccuracies, in violation of FCRA 1681i ( a ), which requires a reasonable reinvestigation.

Violations FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or should know is inaccurate.

FCRA 1681i ( a ) : Requires Experian to reasonably reinvestigate disputed information.

FCRA 1681c ( a ) ( 5 ) : Prohibits re-aging accounts to extend negative reporting beyond the statutory period.

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 2025-08-26 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: NM

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
Accounts are being reported under my name without my authorization. I have never opened, authorized, or managed these accounts, and their presence on my credit report is false, misleading, and unacceptable. This inaccurate reporting is damaging my financial reputation and causing me significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 non-monetary relief
Consumer complaint received 2025-08-26 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: KS

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX Companies Reported Against : Experian ( Credit Reporting Agency ) XXXX XXXX XXXX ( Debt Collector / Furnisher ) XXXX XXXX XXXX XXXX ( Creditor / Furnisher ) Summary of Complaint I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to Experians failure to maintain maximum possible accuracy and two furnishers unlawful reporting practices. Both accounts listed below are inaccurate, misleading, and harmful to my creditworthiness. 



Accounts in Dispute XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Reported : XX/XX/XXXX Balance Reported : {$1600.00} Violations : 1. Premature Charge-Off / Collection Reporting Account reported as a charge-off within 7 months of opening, contrary to FFIEC guidelines requiring 180 days ( revolving ) or 120 days ( installment ). Violates FCRA 1681e ( b ). 
2. Misrepresentation of Balance & Status Reporting a current balance on a charged-off account is misleading. Violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
3. Potential Re-Aging of Debt If the Opened date reflects transfer rather than original delinquency, this unlawfully re-ages the debt in violation of FCRA 605 ( c ). 



XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX Reported Status : Charge-Off with ongoing delinquency Charge-Off Date : XX/XX/XXXX Violations : 1. Inaccurate Dual Reporting Showing both charge-off and ongoing delinquency/current balance simultaneously misrepresents the legal status. Violates FCRA 1681e ( b ).

2. Verification Failure If XXXX XXXX can not provide original documentation proving legal right to report the debt, the tradeline must be deleted. Violates FCRA 1681i. 
3. No Permissible Purpose if Sold If the debt has been sold, XXXX XXXX no longer has authority to report a balance. 
4. Unlawful Re-Aging Continued derogatory reporting years after the charge-off date unlawfully extends the 7 years + 180 days reporting window under FCRA 605 ( c ). 



Harm Caused Artificially inflated utilization ratios Misleading impression of ongoing liability Lowered creditworthiness, denial of favorable credit terms

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 2025-08-26 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: KS

Complaint narrative:
Name : XXXX XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX Companies Reported Against : Experian ( Credit Reporting Agency ) XXXX XXXX XXXX ( Debt Collector / Furnisher ) XXXX XXXX XXXX XXXX ( Creditor / Furnisher ) Summary of Complaint I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to Experians failure to maintain maximum possible accuracy and two furnishers unlawful reporting practices. Both accounts listed below are inaccurate, misleading, and harmful to my creditworthiness. 



Accounts in Dispute XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Reported : XX/XX/XXXX Balance Reported : {$1600.00} Violations : 1. Premature Charge-Off / Collection Reporting Account reported as a charge-off within 7 months of opening, contrary to FFIEC guidelines requiring 180 days ( revolving ) or 120 days ( installment ). Violates FCRA 1681e ( b ). 
2. Misrepresentation of Balance & Status Reporting a current balance on a charged-off account is misleading. Violates FDCPA 807 ( 2 ) ( A ), 807 ( 8 ) and FCRA 1681s-2 ( a ) ( 1 ) ( A ). 
3. Potential Re-Aging of Debt If the Opened date reflects transfer rather than original delinquency, this unlawfully re-ages the debt in violation of FCRA 605 ( c ). 



XXXX. XXXX XXXX XXXX XXXX Account Number Ending : XXXX Reported Status : Charge-Off with ongoing delinquency Charge-Off Date : XX/XX/XXXX Violations : 1. Inaccurate Dual Reporting Showing both charge-off and ongoing delinquency/current balance simultaneously misrepresents the legal status. Violates FCRA 1681e ( b ).

2. Verification Failure If XXXX XXXX can not provide original documentation proving legal right to report the debt, the tradeline must be deleted. Violates FCRA 1681i. 
3. No Permissible Purpose if Sold If the debt has been sold, XXXX XXXX no longer has authority to report a balance. 
4. Unlawful Re-Aging Continued derogatory reporting years after the charge-off date unlawfully extends the 7 years + 180 days reporting window under FCRA 605 ( c ). 



Harm Caused Artificially inflated utilization ratios Misleading impression of ongoing liability Lowered creditworthiness, denial of favorable credit terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

1681c2 ) that you, the Experian 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  ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 XXXX 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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Unauthorized access to my credit report has occurred, with several companies making inquiries without my consent. I previously contacted your agency and was assured these inquiries would be removed, yet they remain. This failure to act is unacceptable and raises serious concerns of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have a checking and savings account at CapitalOne bank, opened online. 

I added someone as a joint account owner on XX/XX/year>. 

On XX/XX/XXXX, CapitalOne froze both accounts without notice.

After calling CapitalOne, I was told they needed additional verification documents from my joint account holder.

My joint account holder is refusing to provide additional identification documents ( I did provide my identification documents to CapitalOne and they say I am fully approved/authorized ).

Since my newly added joint account holder will not provide the documents, I asked CapitalOne to remove the joint account holder and unfreeze the account, they refused. I then asked CapitalOne to close the account and send the funds via check to my address on file, they refused.

I am at an impasse, all I want is the funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-26 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: AZ

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with the listed company. Therefore, I believe this inquiry is fraudulent and must be removed. As outlined in the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted on my credit file. Since I never gave authorization for this company to access my credit, I am formally requesting Immediate removal of the unauthorized inquiry from my credit report. Please resolve this matter within the 30-day period required by law. If you are unable to provide documented proof that I authorized this inquiry, it must be deleted immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 

XXXX XXXX XXXXT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/year> I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

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 2025-08-26 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. 

XXXX XXXX XXXXT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXXXX/XX/year> I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error.

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