vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: AR

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting of late payments on multiple accounts listed on my credit report, which are negatively affecting my credit profile. The accounts in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$31.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX AUTO XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$43.00} AFFIRM XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} ( tied up ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Upon reviewing my credit report, I have found that these accounts are inaccurately reported with late payment entries that do not match my actual payment history. These errors misrepresent my financial responsibility and create a misleading impression of my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( b ), XXXX U.S.C. XXXX ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of consumer information. Additionally, FCRA Section XXXX ( a ), XXXX U.S.C. XXXX ( a ), grants me the right to dispute any information I believe to be inaccurate and to have it corrected within a reasonable 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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to XXXX XXXX XXXX XXXX, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX has failed to respond, verify, or correct the information within the required thirty ( 30 ) days.

Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. 
Since XXXX XXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure XXXX XXXX XXXX immediate compliance with FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am officially requesting the deletion of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are attached to verify my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false. Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617. Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

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 2025-10-22 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: TX

Complaint narrative:
I am disputing inaccurate and unlawful information on my credit file. This includes collection accounts, late payment notations, and unauthorized inquiries. These items are being reported or used in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). I am requesting immediate removal of these items from my reports with Experian, Equifax, and TransUnion. Details of Dispute : Collections Reporting The collection accounts appearing on my credit file are inaccurate, unverifiable, and/or improperly furnished. Under FCRA 1681i ( a ), unverifiable accounts must be deleted. Under FDCPA 1692e ( 8 ), furnishers can not report information they know or should know is false. Late Payment Reporting The late payment history being reported is inaccurate and incomplete. This violates FCRA 1681s-2 ( a ), which requires furnishers to provide complete and accurate information. False late payment reporting constitutes willful noncompliance under FCRA 616617. Wrongful Use of My Credit Report My credit report has been accessed without permissible purpose, in violation of FCRA 1681b ( f ). All unauthorized inquiries must be deleted immediately.

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 2025-10-22 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: NY

Complaint narrative:
I am submitting this complaints as a formal written dispute regarding an inaccurately reported charge-off account on my credit report. These accounts contains reporting inconsistencies, appears to lack proper validation, and may violate several provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Under FCRA XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute incomplete or inaccurate information and request a full reinvestigation. In addition, FCRA XXXX ( b ) requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits data furnishers from reporting information they know or should reasonably know to be 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 2025-10-22 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 am submitting this complaints as a formal written dispute regarding an inaccurately reported charge-off account on my credit report. These accounts contains reporting inconsistencies, appears to lack proper validation, and may violate several provisions of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00} Under FCRA XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute incomplete or inaccurate information and request a full reinvestigation. In addition, FCRA XXXX ( b ) requires that credit reporting agencies maintain maximum possible accuracy in the information they report. Furthermore, FCRA XXXX ( a ) ( XXXX ) ( A ) prohibits data furnishers from reporting information they know or should reasonably know to be inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am officially disputing this erroneous account on my credit report, as it was neither authorized nor initiated by me. I have included the necessary documentation to validate my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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 applied for a Capital One Spark business credit card, and my application was initially approved pending additional verification. Capital One requested further documentation to evaluate my business and stated in their letter that submitting one primary document showing the business name and address would be sufficient. 
Based on their own instructions, I submitted an official document from the California Secretary of State, which is listed as a primary document and clearly shows both my registered business name and business address. However, Capital One did not accept or evaluate this document, despite it fully meeting their stated requirements. 
I contacted Capital One by phone to resolve the issue, but they were unable to provide a solution, and I was not given any meaningful explanation. I also attempted to follow up by email, but Capital One does not provide any email address for such disputes or document resolution. As a result, I have been left without a fair review process, even though I submitted the exact documentation they required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
A person down XXXX XXXX is using my address on mailings. I have contacted Capital One for the mailings to individual that has his name and my address, they said there is nothing they can do, has to be authorized by him. I have contacted the individual letting him know the issue with what he needs to do. The mailings I send back to company since they are incorrect with my address. This has happened at least 4 times from Cap One. I need this individual and co to remove my address from his personal mailings. It happened with a bank but I called them and havent had an issue since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: VA

Complaint narrative:
All the transactions from my cash apps werent me my account was hacked and all transactions from XXXX arent from me my name is XXXX XXXX XXXX XXXX ssn is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
My experience with Synchrony Bank has been extremely disappointing. Unfortunately, XXXX XXXX recently transitioned their XXXX Rewards credit card to XXXX, and since that change, Ive encountered multiple serious issues. 

XXXX systems appear to be unreliable and poorly designed. Their autopay function does not properly account for manual payments even after I made a manual payment, the autopay still processed, resulting in an overdraft on my checking account. Despite this being clearly a technical issue on their end, XXXX classified the transaction as not honored by my bank. A similar incident occurred the following XXXX 

XXXX in the fine print of their agreement is a clause stating that if XXXX payments are returned, the bank reserves the right to close the account. Thats exactly what they did without prior notice. I received no email or phone notification ; instead, I was informed via a letter that arrived by mail roughly XXXX  days later. 

When I asked them to reinstate my account given that it had been closed due to what was clearly a technical issue I was told it was too late, as reinstatement requests must be made within XXXX hours of account closure. My subsequent request to open a new account with them was also denied. 

My attempts to dispute the issue and resolve it through customer service were equally unproductive. Calls were routed to their offshore call centers, and representatives were unable to provide clear or consistent answers. 

In summary, XXXX XXXX  technology, processes, and customer support fall far below expectations. Unless you absolutely need to maintain your XXXX XXXX tier points ( like I did ), I strongly recommend avoiding this bank.

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 2025-10-22 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: MI

Complaint narrative:
XXXX XXXX is reporting and attempting to collect on Account # XXXX ( originating with XXXX for a XXXXXXXX XXXX XXXX XXXX in clear violation of federal and state law. The account is misclassified as a lease, shows fabricated 67 % on-time payments despite no payments being made, and is being furnished without proof of assignment or validation. 

XXXX also offered me a financial hardship option promising no negative reporting, but still reported the account derogatory, which is deceptive and unlawful. Despite my disputes, they have failed to provide validation as required under FDCPA 809 and continue to furnish inaccurate information in violation of FCRA 607 ( b ), 611, 623. 

These actions also violate TILA ( missing disclosures ), UCC 9-210 ( no assignment proof ), GLBA ( improper transfer of private data ), FTC Act ( UDAP ), Michigan Collection Practices Act, and Michigan Consumer Protection Act.

I am demanding : ( 1 ) deletion of this account from all credit bureaus unless validated, ( 2 ) cessation of collection until lawful validation is provided, and ( 3 ) written confirmation of corrective actions. If these demands are not met, I will pursue all remedies under FCRA 616617, FDCPA 813, TILA, and state law, including statutory, actual, and punitive damages.

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 2025-10-22 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX  XXXX -Date opened XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
I filed a complaint with Experian on XXXX different collections being reported on my account without my consent under the XXXX US c XXXX codes. They refused to delete from my credit report and would not provide any validation letter or if written consent was received by me. I never consented to reported on my credit report as I am the original creditor.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint with Experian on XXXX different collections being reported on my account without my consent under the XXXX US c XXXX codes. They refused to delete from my credit report and would not provide any validation letter or if written consent was received by me. I never consented to reported on my credit report as I am the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I affirm that the incorrect late payment notations on my accounts are in direct violation of 15 USC 1666. I have consistently paid on time, and any errors in this reporting are unfair and unlawful.

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