vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7800.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$39.00} XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$43.00} XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$220.00} XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$250.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$130.00} XXXX  XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$630.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance Owed : {$160.00XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I'm a XXXX  and put trust into XXXX XXXX. In light of the current legal, security breach, and compliants on not removing or processing disputes, I don't feel confident that my disputes will be corrected.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm a XXXX  and put trust into XXXX XXXX. In light of the current legal, security breach, and compliants on not removing or processing disputes, I don't feel confident that my disputes will be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing this complaint because Capital One mishandled payments between my Capital One 360 checking account and my Capital One credit card, which resulted in my credit card account being closed and me being unfairly labeled as high risk. 

Details : I always had sufficient funds available in my Capital One 360 checking account at the time I scheduled payments. 
Despite this, Capital One repeatedly failed to withdraw funds in a timely manner, marking my payments as late or not received. 
At times, the bank appeared to intentionally hold funds instead of processing my payment requests. 
Capital One eliminated the instant transfer payment option, forcing payments to take XXXX business days. During this delay, I believed my payment had been applied, but it had not, even though the money was available. 
Ultimately, my credit card was closed and I was labeled as high risk, with fraudulent activity implied, even though I made good faith efforts to pay and had the money available. 

The payment issues were caused by Capital Ones own systems and policy changes, not by my actions. 
I should not have been penalized with late fees, account closure, or derogatory marks when I had funds available and initiated payments on time. 
My credit report and financial standing were harmed due to errors and unfair practices by Capital One. 



What do you think the company did wrong? 

Did not properly process my payments Closed my account unfairly Harmed my credit profile with inaccurate reporting Unfair or abusive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
This is my fifth follow-up regarding multiple unauthorized inquiries that continue to remain on my credit report despite my repeated disputes. These inquiries were never authorized by me, they serve no legitimate purpose, and they continue to harm my credit profile. 
The inquiries in question include, but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), which prohibits access to a consumer report without a permissible purpose. They also violate FCRA 619 15 U.S.C. 1681q and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which regulate when and how a consumers credit file may legally be accessed.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information that is inaccurate or unauthorized. Your duty is to conduct a reasonable reinvestigation. The fact that these inquiries remain after XXXX previous disputes demonstrates noncompliance and a failure to uphold the accuracy standards required under federal law.

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 2025-10-01 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:
I am submitting this complaint regarding inaccurate and misleading information appearing on my credit report. Specifically : Reporting dates ( XX/XX/year> ) appear inconsistent or unclear, raising concerns about accuracy.Inquiries such as XXXX  on XX/XX/year> appear questionable and may have been made without my proper authorization.Charged-off accounts are being reported in a manner that lacks clarity and accuracy, misrepresenting my payment history and harming my creditworthiness.These issues appear to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.FCRA XXXX, XXXX U.S.C. XXXX : Provides the right to dispute inaccurate or incomplete information, requiring reinvestigation.FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers from reporting inaccurate information.FCRA XXXX, XXXX U.S.C. XXXX : Restricts credit inquiries to those with a permissible purpose ; unauthorized inquiries are a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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 am submitting this complaint regarding inaccurate and misleading information appearing on my credit report. Specifically : Reporting dates ( XX/XX/year> ) appear inconsistent or unclear, raising concerns about accuracy.Inquiries such as XXXX  on XX/XX/year> appear questionable and may have been made without my proper authorization.Charged-off accounts are being reported in a manner that lacks clarity and accuracy, misrepresenting my payment history and harming my creditworthiness.These issues appear to violate the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( b ), XXXX U.S.C. XXXX ( b ) : Requires credit reporting agencies to maintain maximum possible accuracy.FCRA XXXX, XXXX U.S.C. XXXX : Provides the right to dispute inaccurate or incomplete information, requiring reinvestigation.FCRA XXXX ( a ) ( XXXX ) ( A ), XXXX U.S.C. XXXX ( a ) : Prohibits furnishers from reporting inaccurate information.FCRA XXXX, XXXX U.S.C. XXXX : Restricts credit inquiries to those with a permissible purpose ; unauthorized inquiries are a violation.

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 2025-10-01 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-01 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: NV

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full reinvestigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
This complaint serves as a formal dispute of several inaccurate, unverifiable, or outdated entries currently appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and 1681e ( b ), I am requesting a full reinvestigation of the items listed below and their removal within the legally mandated 30-day timeframe. Upon reviewing my credit report, I have found the following entries to be inaccurately reported, unverifiable, or misleading : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: IN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX  : [ SPRING OAKS CAPITAL ] Reference # : XXXX XXXX  : [ SPRING OAKS CAPITAL ] Reference # : XXXX XXXX  : [ SPRING OAKS CAPITAL ] Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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:
I am submitting this complaint as a formal written dispute regarding an inaccurately reported charge-off account on my credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX Balance : - XXXX  XXXX Balance : {$7200.00} XXXX XXXX  XXXX XX/XX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I am submitting this complaint as a formal written dispute regarding an inaccurately reported late closed account on my credit report. The account in question contains discrepancies, unverifiable reporting, and inconsistencies that may violate multiple provisions of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information and request a reasonable reinvestigation. Additionally, under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy. Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishers from reporting information they know or should know to be inaccurate. 
Disputed Late Closed Account : XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}

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 2025-10-01 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: OH

Complaint narrative:
This is now my fifth follow-up regarding inaccurate and harmful information that continues to appear on my credit report despite my repeated disputes. 
My report still lists a repossession account from XXXX XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$0.00} XXXX XXXX. This reporting is inaccurate and misleading, as no such repossession occurred. Reporting a zero-balance account as derogatory is damaging to my creditworthiness and is not supported by accurate documentation. Under FCRA XXXX ( a ) ( XXXX ) XXXX U.S.C. XXXX ( a ) ( XXXX ), furnishers are required to promptly correct information that is incomplete or inaccurate. Further, under FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), I have the right to dispute inaccurate reporting, and under FCRA XXXX XXXX U.S.C. XXXX, unverifiable or fraudulent accounts must be deleted. I again request the immediate correction or permanent removal of this account. 
In addition, my report continues to show unauthorized inquiries that I never approved, including : XXXX XXXX SER XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> These inquiries violate FCRA XXXX ( f ) XXXX U.S.C. XXXX ( f ), which prohibits access to a consumer report without a permissible purpose. They also violate FCRA XXXX XXXX U.S.C. XXXX and FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), which set strict limits on when and how credit reports may be accessed. Since these inquiries were made without my authorization, they must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: OH

Complaint narrative:
This is now my fifth follow-up regarding inaccurate and harmful information that continues to appear on my credit report despite my repeated disputes. 
My report still lists a repossession account from XXXX XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a balance of {$0.00} XXXX XXXX. This reporting is inaccurate and misleading, as no such repossession occurred. Reporting a zero-balance account as derogatory is damaging to my creditworthiness and is not supported by accurate documentation. Under FCRA XXXX ( a ) ( XXXX ) XXXX U.S.C. XXXX ( a ) ( XXXX ), furnishers are required to promptly correct information that is incomplete or inaccurate. Further, under FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), I have the right to dispute inaccurate reporting, and under FCRA XXXX XXXX U.S.C. XXXX, unverifiable or fraudulent accounts must be deleted. I again request the immediate correction or permanent removal of this account. 
In addition, my report continues to show unauthorized inquiries that I never approved, including : XXXX XXXX SER XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> These inquiries violate FCRA XXXX ( f ) XXXX U.S.C. XXXX ( f ), which prohibits access to a consumer report without a permissible purpose. They also violate FCRA XXXX XXXX U.S.C. XXXX and FCRA XXXX ( a ) XXXX U.S.C. XXXX ( a ), which set strict limits on when and how credit reports may be accessed. Since these inquiries were made without my authorization, they must be permanently deleted.

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