vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: MO

Complaint narrative:
I have two capital one credit cards. One is a quicksilver card that I have had for over 20 years. The other is a Kohls store card that I was just recently issued to replace my old Kohls store charge which was not affiliated with capital one. When I went to pay my XXXX bill in my online banking, I accidentally paid my quicksilver account balance to my Kohls account number. Both say capital one on my online banking page and I mistook one account number for the other. I called capital one as soon as I noticed the error and asked them to transfer the account balance surplus in the Kohls account over to the Quicksilver account as it was the total amount due, and the error was obvious. The capital one representative promptly did that for me without issue. On XX/XX/XXXX I got two letters in the mail from capital one saying that they were closing my Kohls rewards visa and my Quicksilver XXXX  because the accounts were inconsistent with typical customer account usage. I promptly called them on XX/XX/XXXX when I got the letters and explained that I had mixed up the two accounts and accidentally paid my Quicksilver account balance to the Kohls account and this must have automatically flagged something and the closure was an error. On XX/XX/XXXX that representative submitted an account review to reinstate my cards. He told me I would need to wait 10 business days And somebody from capital one would be contacting me. On XX/XX/XXXX I called capital one again as I had not heard from anyone regarding my accounts, and after being hung up on and transferred more than five times, and after over two hours on the phone, I found out from an account manager that the department that reviews accounts never even opened my account for review. I explained to her that I am highly concerned about my credit as I have excellent credit and reminded her of the inconvenience of not having these two cards for almost a month now. She told me she could submit another request for review and there was nothing else she could do. My accounts were closed for no reason other than paying my full balance to the wrong capital one account number. My balances are paid off every month and I always have a XXXX account balance every month after payment. I am highly concerned that this error is going to affect my credit and would like to have this resolved as soon as possible. I have submitted two complaints one for the quicksilver card and one for the Kohls card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: MA

Complaint narrative:
I am disputing the following accounts listed under my Experian credit report. These accounts are inaccurately reported, and I kindly request a thorough review and necessary updates. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-29 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

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 2025-12-29 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-29 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:
I am disputing the following accounts on my Experian report, as they are inaccurately reported : Charged Off : XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$120.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$260.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : 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 2025-12-29 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: CBC Companies, Inc.
State: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: OR

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe to be inaccurate, incomplete, or otherwise erroneous. Below are the details of the accounts that are in dispute, separated by bureau. 

CHARGED OFF XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/XXXX Balance : {$0.00} 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 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 2025-12-29 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: WI

Complaint narrative:
I am requesting a review of the following accounts reported on my TransUnion credit report. These accounts appear to have incorrect information, and I respectfully request a thorough investigation and correction. 

Charged Off Accounts : XXXXXXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} Inquiries : XXXX XXXX  Late Payments : XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint against TransUnion for continued reporting of inaccurate and unverified personal information on my consumer credit report, despite prior disputes and the submission of valid identity documentation. 

Specifically, TransUnion is reporting an address that has never been associated with me : XXXX XXXX XXXX, XXXX XXXX, CA XXXX This address is inaccurate, unauthorized, and not supported by any documentation bearing my consent or signature. I have never lived at, received mail at, nor conducted business from this address. Its continued inclusion on my credit file poses a serious risk of identity fraud and undermines the integrity of my consumer report. 

I previously disputed this information directly with TransUnion and provided supporting documentation, including government-issued identification and proof of my correct address. Despite this, TransUnion has failed to permanently delete the inaccurate address or provide any valid method of verification as required by law. 

Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, TransUnion is required to follow reasonable procedures to ensure maximum possible accuracy and to conduct a lawful reinvestigation when information is disputed. Reporting an address without documented verification constitutes negligent and/or willful noncompliance with the Fair Credit Reporting Act. 

TransUnions failure to correct this error has caused ongoing harm, including increased risk of mixed files, identity theft exposure, and reputational damage. If TransUnion can not produce documented proof showing that this address was obtained from a legitimate source with my authorization, it 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 non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo Auto provided an inaccurate and misleading response to my prior CFPB complaint. In their response, they referenced my retail installment contract but failed to validate the accuracy of their credit reporting. 

I am disputing the accuracy and consistency of the information Wells Fargo is furnishing to the credit bureaus, not the existence of the contract. 

Wells Fargo is reporting materially inconsistent late payment information across XXXX, XXXX, and XXXX, which can not all be accurate at the same time. These inconsistencies demonstrate a failure to report with maximum possible accuracy as required by the Fair Credit Reporting Act. 

Examples of inaccuracies include : 1. For the month of XX/XX/XXXX Wells Fargo reports this account as 60 days late on XXXX, while reporting a different delinquency ( positive on time payment ) status for the same month on XXXX. 

2. For the month of XX/XX/XXXX the account is reported as 60 days late on one bureau and 30 days late on another, which is not possible for a single billing cycle. 

3. For the month of XX/XX/XXXX, Wells Fargo reports delinquent payments that conflict with the accounts reported status during that same period. 

These examples are not exhaustive and represent only a portion of the inaccuracies present. Because Wells Fargos reporting is inconsistent, inaccurate, and unreliable, the account is not verifiable under the Fair Credit Reporting Act. 

Due to the number and nature of inconsistencies, piecemeal correction would not resolve the underlying reliability issues with this account. 

I am requesting deletion of the entire tradeline, not piecemeal correction, due to Wells Fargos repeated failure to furnish accurate and consistent information after notice.

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 2025-12-29 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: WI

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-12-29 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this complaint regarding a debt that is being inaccurately collected and reported. 

The underlying account itself was legitimately opened by me. However, a balance transfer posted to this account was unauthorized and the result of fraud/identity theft. I did not initiate, authorize, or benefit from this balance transfer. 

I disputed the fraudulent balance transfer with XXXX, and the account has been flagged as disputed due to fraud. Despite this, the creditor and/or collection agency is attempting to collect and report the full balance, including the fraudulent balance transfer amount. 

Continuing to collect or report a balance that includes an unauthorized transaction violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). At minimum, the fraudulent portion of the balance must be removed, and collection activity related to that amount must cease.

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 2025-12-29 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: NC

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), and XXXXXXXX XXXX XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with explanation