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

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court. 

I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX- opened on XX/XX/XXXX XXXX- opened on XX/XX/XXXX XXXX XXXX- opened on XX/XX/XXXX XXXX- Opened on XX/XX/XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX- Opened on XX/XX/XXXX XXXX- Opened on XX/XX/XXXX XXXX- Opened on XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX- Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX- Account number : XXXXXXXX XXXX XXXX

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:
To Whom It May Concern, I am filing this formal complaint against inaccurate and unauthorized information being reported on my credit file. The reporting agencies and furnishers have continuously violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by failing to ensure accuracy, proper verification, and fair investigation of disputed items. I am requesting a full investigation into the below issues and immediate deletion or correction of the inaccurate information being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$10000.00} Chargeoff * * This charge-off remains unverifiable with no signed contract or proof of ownership. Reporting this data violates 607 ( B ) and 611 ( A ) requiring maximum accuracy and deletion of unverifiable information. Continued reporting without evidence violates 623 ( A ) ( 1 ) ( A ) and 602 ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Opened : XX/XX/year> Balance : {$0.00} Late Payment * * Late payment reporting on a zero-balance account is inaccurate and misleading. This violates 607 ( B ) and 611 ( A ), as there is no proof of delinquency or outstanding obligation. Continued reporting is noncompliant under 623 ( A ) ( 1 ) ( A ) and 616. 

Under FCRA 611 and 623, I am demanding that all the above items be properly verified or deleted within the required 30-day timeframe. If the furnishers or credit bureaus fail to comply, I will pursue further legal action and request full regulatory enforcement and damages for willful noncompliance. I have suffered loss of credit opportunity, reputation damage, and stress due to the negligence in reporting and investigation. 
I am requesting immediate corrective action and written confirmation once the disputed information has been permanently removed or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They disabled any debit card use for my account as retaliation for my last cfpb report. Now I am unable to use my debit card at all. It gets declined everywhere. I even requested a new debit card and it still declined. They said there internal security system is declining payments indefinitely and dont know when i will be able to use paypa again.

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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I am filing this complaint because GM Financial is reporting a late payment from XXXX  on my auto loan account. The reported late payment is the result of my vehicle being totaled in an accident. I was not financially negligent, and the delay was caused by the insurance companys payment processing timeline. 

After the accident, I immediately contacted both my insurance company and GM Financial. The insurance company paid the claim directly, but their processing time caused the payment to be delayed. I had no remaining vehicle, no remaining balance owed on my part, and I did not fail or refuse to make a payment. The entire delay was caused by the insurance carrier, not by me. This late payment is inaccurately representing the situation and is unfairly damaging my credit profile. 

I attempted a goodwill adjustment directly through GM Financial, explaining that I was not responsible for the delay, but they declined and stated they do not remove accurate information. However, the payment should not be considered accurate reporting because the delinquency was not consumer-caused. Reporting it as a late payment suggests I failed to pay, when in reality the insurance company was responsible for paying the account. 

This late payment has caused ongoing financial harm, including reduced credit opportunities and increased interest costs, even though I handled my responsibilities properly and did not do anything wrong. The Fair Credit Reporting Act states that information must be both accurate and fairly reported, and this situation does not meet that standard. 

I am requesting that the CFPB require GM Financial to provide evidence that the payment delay was caused by me and not by the insurance payout timeline. If they can not prove consumer fault, I request that the late payment be removed from my credit report with all bureaus. 

Thank you for your assistance.

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: FL

Complaint narrative:
I'VE BEEN DISPUTING A ERRONEOUS LATE NOTICE ON MY CREDIT REPORT FROM EXPERIAN AND TRANSUNION, EXPERIAN IS RUNNING SHAM INVESTIGATIONS.I HAVE BEEN DISPUTING THIS LATE CHARGE FOR OVER A YEAR NOW, I HAVE SUBMITTED DOCUMENTATION SAYING FROM THE BANK MANAGER OF THE BRANCH I USE TO FREQUENTLY DO BUISNESS, THE MANAGER WHO'S NAME IS XXXX XXXX PLAINLY SAYS ON A EMAIL THAT SHE RESPONDED TO ME SAYS THAT I WAS NOT LATE FOR XXXX AND XXXX OF XXXX, THE BANK REMOVED 1 OF THE MONTHS AND LEFT THE OTHER... THE CFPB HAS SUED EXXPERIAN AND TRANSUNION FOR RUNNING THESE SHAM INVESTIGATIONS AND NOT VERIFYING THE ACCURACY FOR CONSUMERS CREDIT REPORTS, THIS HAS CAUSE ME XXXX XXXX FOR THIS INJUSTICE FROM THESE CROOKED CREDIT BUREAUSAND THE BANK FOR NOT ADMITTING THEIR WRONG ... EXPERIAN IS RESPONSIBLE TO REMOVE THIS INCORRECT INFORMATION FROM MY CREDIT REPORT, I'VE SENT AND MAILED DOCUMENTATION TO EXPERIAN AND THEY ALWAYS COME BACK AND SAY VERIFIED, WITHOUT ANY PROOF .. ALSO EXPERIAN IS NOT KEEPING MY CREDIT SCORE ACCURATE, I HAVE PAID OFF ALL MY CREDIT CARDS AND EXPERIAN DOOES NOT REPORT THAT, THIS IS NOT FOLLOWING THE LAWS THAT GOVERN CONSUMERS LIKE MYSELF .. TRANSUNION IS AT LEAST UPDATING MY CREDIT SCORE WHEN I PAY OFF MY CREDIT CARDS, EXPERIAN IS NOT... I HAVE XXXX CREDIT CARDS AND THEY ARE ALL PAID OFF, MY CREDIT SCORE SHOULD BE MUCH HIGHER THAN IT 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 2025-11-08 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: NV

Complaint narrative:
I am writing to formally dispute and file a complaint regarding the inaccurate reporting of accounts on my credit file. The following accounts are being reported incorrectly : XXXX XXXX High Balance : {$21000.00} Date Opened : XX/XX/XXXX Reported Issue : Late Payment XXXX XXXX XXXX High Balance : {$1200.00} Date Opened : XX/XX/XXXX Reported Issue : Collection I dispute the accuracy of these reports. Regarding the XXXX account, I have never made a late payment. This account history is incorrect and misleading. I request that the bureau investigate and correct this inaccurate late payment record immediately. 

Regarding the XXXX XXXX account, I have no knowledge of this account. I did not open this account, nor have I authorized any activity on it. I request that this account be thoroughly investigated and deleted from my credit report if it is indeed not mine. 

These inaccurate reports are harming my creditworthiness and could adversely affect my financial opportunities. I request that the CFPB contact the relevant credit reporting agencies and furnish an investigation into these matters under the Fair Credit Reporting Act ( FCRA ). Please provide me with written confirmation of the actions taken. 

Thank you for your prompt attention to this matter. I expect resolution in accordance with my rights under the FCRA.

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: WA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Bounce AI, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported under my name that I do not recognize. The details are as follows : BOUNCE AI INC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$2900.00} Status : Collection I have never opened, authorized, or had any account with Bounce AI Inc. This account appears to be inaccurate or reported in error. I request that the CFPB investigate this matter and ensure the furnisher provides complete validation and proof that this debt belongs to 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i XXXX XXXX is filing a complaint against trans union Equifax and Experian for fraud and reporting the wrong score. on XX/XX/XXXX i applied at XXXX XXXX XXXX for a XXXX XXXX they pulled my Transunion my score was a XXXX but see my XXXX and XXXXXXXX XXXX report is showing XXXX and XXXX i got denied this the same place i got a XXXX XXXX XXXX 11 years ago paid it off never late thru XXXX i applied for a phone thru XXXX XXXX see attached my credit sore with Experian was XXXX but look at my XXXX score is XXXX my score with Equifax was XXXX but look at my XXXX is XXXX and XXXX with credit karma this wrong and has stop me from getting phone and car if not corrected i have no choice but to file federal lawsuit in XXXX il

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i XXXX XXXX is filing a complaint against trans union Equifax and Experian for fraud and reporting the wrong score. on XX/XX/XXXX i applied at XXXX XXXX XXXX for a XXXX XXXX they pulled my Transunion my score was a XXXX but see my XXXX and XXXXXXXX XXXX report is showing XXXX and XXXX i got denied this the same place i got a XXXX XXXX XXXX 11 years ago paid it off never late thru XXXX i applied for a phone thru XXXX XXXX see attached my credit sore with Experian was XXXX but look at my XXXX score is XXXX my score with Equifax was XXXX but look at my XXXX is XXXX and XXXX with credit karma this wrong and has stop me from getting phone and car if not corrected i have no choice but to file federal lawsuit in XXXX il

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 information incorrect
Company: JPMORGAN CHASE & CO.
State: NM

Complaint narrative:
I was told that a payment plan would help me start paying off my credit card debt, I was not told that of I dont pay off the total amount that they would keep hitting my credit with late payments every month. My monthly payment is XXXX $ a month. I called them today and asked why they are still reporting it as late, chase said that its because its not brought up to date. But did not specify why they arent being faithful about true credit reporting. Im making a payment every month... why does my credit still get hit with late payments. Its hurting me bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: SC

Complaint narrative:
The company XXXX has been contacting me and also a family member on my behalf. This company is reporting false information. The original creditor is spelled wrong and they also have several different birthdates for me. They did not send chain of command stating that I owe them or DNF associates this debt. The representatives have been extremely rude and I felt pressured to pay them. They have tried to take money out of my bank account without my consent. I have attached text messages from this company. I am not paying someone who doesnt even have the original creditor spelled correctly or cant even validate my birthdate. They keep texting me after I told them to stop contacting me or any other number associated with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Self Financial Inc.
State: SC

Complaint narrative:
Was contacted about debt which was paid and agreed upon once both accounts if paid in full * which i handled * would be removed from 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because my creditor is reporting late payments on my account ending in the last XXXX that are inaccurate and not properly verified. I have directly disputed this with the credit bureau and the furniture, but the late payment remain without proper validation or documentation XXXX a furniture must report accurate information under 15 US 1681. The credit bureau must perform reasonable investigation within neither of them has provided sufficient evidence to support.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Section 605B and 611\n\XXXX XXXX XXXX XXXX XXXX (SSN ending XXXX XXXX XXXX XXXX I mailed a certified fraud-dispute packet (USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX containing full proof of identity and documentation of identity theft. USPS records show the package was delivered and verified by TransUnion on XXXX  XXXX XXXXThe same inaccurate and re-aged items appear on my TransUnion credit file, including incorrect names, addresses, phone numbers, and a re-aged collection account.\n\nUnder FCRA Section 605B, TransUnion was required to block all fraudulent or unverifiable data within four business days of receiving my documentation. It is now XXXX XXXX XXXX, and the data remains on my file.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmail 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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This company has charged fees over 10 % of this financial account repeatedly in both late fees and " annual fees '' the late fee was 15 % and the annual fee was 33 %. I have repeatedly communicated the legal responsibility to not overcharge fees and gouging consumers, there has been no formal response. 

This rate of overcharging has made substancial credit impact and decresed scores over 100 points in a 50 day period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: KS

Complaint narrative:
On Thursday XXXX I tryed calling several times and could not get through to a live person to talk about my financial situation. I then emailed your company on XXXX and received an email back stating to contact someone else after an extension request was denied. I then tried calling several times again and couldn't reach a live person. I then text chat with a representative on XXXX and they informed me they couldn't help me either. So your company is not helping me in any way to help with a hardship issue do to my job loss of no fault of my own. I do have emails and correspondence proof. I would just like XXXX payments extended and that will allow me time to get everything back in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Upstart Holdings, Inc.
State: VA

Complaint narrative:
I am submitting this rebuttal as XXXX XXXX, XXXX provided false and misleading information in their response to the CFPB and continued collection activity despite being notified of a fraud dispute. 

Velocity stated to the CFPB that the account was placed on hold while the account is investigated and that no further action would occur until the investigation was concluded. This statement is untrue and materially misleading. No investigation was conducted, no findings were provided to me, and legal collection efforts continued. 

Violations & Misconduct XXXX. Misrepresentation to the CFPB XXXX response falsely claims an investigation was initiated and the account was placed on hold. In reality, they proceeded with legal enforcement actions, including moving forward with garnishment. Providing false or misleading information to the CFPB is a direct violation of federal consumer protection standards. 

XXXX. Continued Collection Activity During a Fraud Dispute Once a fraud dispute is raised, a collector is required to pause collection efforts pending review. Instead, Velocity and its legal counsel continued pursuing judgment enforcement. This constitutes improper and abusive collection conduct. 

XXXX. Failure to Provide Any Investigation Results or Debt Validation Velocity stated the consumer would be notified at the conclusion of the investigation. To date, I have received no investigation outcome, no validation, and no communication whatsoever. Closing a dispute without investigating is a direct violation of a reasonable review standard and fails to meet basic requirements of a fair credit dispute process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified of a pre approval offer from capital one bank for an unsecured XXXX credit card. After submitting my information in the application process, I was continuously denied the XXXX or any other capital One unsecured credit card product. 
I requested supporting documentation stating why I was denied and supporting documentation of the reasons why I was denied. 
The only information I was provided was that I was denied for the reasons of miss use of a previous capital one credit card. 
I have not had a credit card with capital one. Capital One is not appearing on any of my credit files whatsoever. Perhaps this is a mistake with somebody with a similar name or a past account that somebody had used my identity.

Company response to consumer: Closed with explanation