vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX . 
Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial wellbeing. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Bank errors related to billing and reporting are severely damaging my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must accurately reflect payments and credits, yet multiple violations have occurred : payments I made were not properly recorded, and there are blatant calculation errors in the reported amounts. Furthermore, I was not given the mandatory 21-day notice before a payment was due, rendering any late payment marks invalid. These inaccuracies constitute a direct violation of federal law and unjustly harm my credit standing.

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 2025-11-17 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: WA

Complaint narrative:
CC : Capital One Financial Corp. 
XXXXXX/XX/XXXXXXXX United States XXXX XXXX Urgent Complaint Deceptive Fee Practices by Capital One Business Spark Dear Sir or Madam, This is a formal, escalated complaint regarding Capital One and its Business Spark credit card divisions predatory, unfair, and deceptive fee practices that have resulted in substantial financial harm to me and my small business. 

On [ date ], I completed a transaction using my Capital One Business Spark credit card via XXXX, clearly intending a standard credit card purchase. Without any advance warning, clear consents, or explicit disclosures, Capital One treated this as a cash advance, immediately levying egregious cash advance fees and interest exceeding {$50.00}. No direct notification of such a dramatic policy or systems changewhich apparently affects both consumer and business card customerswas communicated to me or my business by Capital One, nor was any meaningful opportunity to opt out or avoid this harm provided. 

These surprise fees and retroactively applied charges undermine trust and violate the reasonable expectations of business owners relying on transparency and fair practices to manage our cash flow. Such actions, especially regarding business credit accounts, can substantially disrupt commercial operations and constitute potentially illegal, unfair, and anti-competitive conduct. 

Requested Actions : Immediate and complete reversal of all related cash advance fees and interest charges. 

Regulatory investigation into Capital Ones disclosure practices, especially for the Business Spark line. 

Public enforcement action to compel proper advance disclosure and prohibit unannounced fee assessments. 

Industry-wide audit of similar practices by major banks to protect other business and consumer customers. 

Capital Ones disregard for fundamental fairness and lawful disclosure demands the strongest possible scrutiny. Please acknowledge the urgency of this matter and escalate to all appropriate regulatory and enforcement divisions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

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 -- - Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX -- - Opened : XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) # XXXX -- - Opened : XX/XX/XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX BANK XXXX XXXX ) XXXX XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX XXXX XXXX # XXXX -- - Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-17 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: NC

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX to your agency, [ Experian/TransUnion/Equifax ] XXXX 
and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain intormadon regarding transactons or expenences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXXXXXX XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. 
15 U.S. Code 55 1681a ( 2KA ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USA can not provide the necessary proof of mailing or delivery of the required Information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NC

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXXXXXX XXXX XXXX XXXX XXXX to your agency, [ Experian/TransUnion/Equifax ] XXXX 
and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws. 
Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain intormadon regarding transactons or expenences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXXXXXX XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit report. 
15 U.S. Code 55 1681a ( 2KA ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USA can not provide the necessary proof of mailing or delivery of the required Information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. 
I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report.

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 2025-11-17 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: OH

Complaint narrative:
Title : Supporting Evidence Upgrade Inc Metro2/FCRA/TILA Violations & Incorrect Credit Reporting Consumer : XXXX XXXX Credit Report : XXXX  Report # XXXX Date of Report : XX/XX/2025 -- - A. Summary of Violations XXXX XXXX is reporting three separate charged-off accounts that were sold to third-party collectors, yet still reported as charge-offs, negative, and inaccurate.

Violations include : TILA 15 U.S.C. 1641 ( f ) ( 2 ) FCRA 602, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ) CFPB Regulation V Furnisher Duties Metro2 Data Furnisher Guidelines ( Base Segment Rules ) -- - B. Problems Found in the XXXX  Report 1. XXXX  continues reporting accounts after sale Two accounts sold to XXXX XXXX XXXX sold to XXXX XXXX XXXX Still reporting Charge-Off instead of Sold/Transferred, violating Metro2 status code 93 2. Contradictory reporting One XXXX  account labeled : Charged Off / Never Late Impossible and non-compliant.

3. Reinvestigation failure All three accounts show : Completed investigation of FCRA dispute consumer disagrees.

Yet no corrections were made.

4. Missing ownership information Required under TILA 1641 ( f ) ( 2 ).

5. Possible re-aging of the accounts All accounts list identical delinquency periods.

6. Duplicate derogatory harm XXXX posted three separate negative events stemming from the same underlying origin.

-- - C. Harm to Consumer Loss of credit opportunities Denial of financing Forced higher interest rates Credit score damage Emotional distress -- - D. Requested Action I respectfully request that the CFPB require XXXX XXXX to : 1. Provide TILA 1641 ( f ) ( 2 ) creditor identification 2. Provide full Metro2 verification 3. Remove all inaccurate and unverifiable XXXX accounts 4. Update all accounts to Sold/Transferred 5. Delete accounts if XXXX can not comply with TILA + FCRA + Metro2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: OH

Complaint narrative:
Title : Supporting Evidence XXXX XXXX Metro2/FCRA/TILA Violations & Incorrect Credit Reporting Consumer : XXXX XXXX Credit Report : XXXX  Report # XXXX Date of Report : XX/XX/2025 -- - A. Summary of Violations XXXX XXXX is reporting three separate charged-off accounts that were sold to third-party collectors, yet still reported as charge-offs, negative, and inaccurate.

Violations include : TILA 15 U.S.C. 1641 ( f ) ( 2 ) FCRA 602, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ) CFPB Regulation V Furnisher Duties Metro2 Data Furnisher Guidelines ( Base Segment Rules ) -- - B. Problems Found in the XXXX  Report 1. XXXX  continues reporting accounts after sale Two accounts sold to XXXX XXXX XXXX sold to XXXX XXXX XXXX Still reporting Charge-Off instead of Sold/Transferred, violating Metro2 status code 93 2. Contradictory reporting One XXXX  account labeled : Charged Off / Never Late Impossible and non-compliant.

3. Reinvestigation failure All three accounts show : Completed investigation of FCRA dispute consumer disagrees.

Yet no corrections were made.

4. Missing ownership information Required under TILA 1641 ( f ) ( 2 ).

5. Possible re-aging of the accounts All accounts list identical delinquency periods.

6. Duplicate derogatory harm XXXX posted three separate negative events stemming from the same underlying origin.

-- - C. Harm to Consumer Loss of credit opportunities Denial of financing Forced higher interest rates Credit score damage Emotional distress -- - D. Requested Action I respectfully request that the CFPB require XXXX XXXX to : 1. Provide TILA 1641 ( f ) ( 2 ) creditor identification 2. Provide full Metro2 verification 3. Remove all inaccurate and unverifiable XXXX accounts 4. Update all accounts to Sold/Transferred 5. Delete accounts if XXXX can not comply with TILA + FCRA + Metro2

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 2025-11-17 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it XXXX acct ending in XXXX reported balance {$3800.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX XXXX acct ending in XXXX reported balance {$820.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$3300.00} status : LATE PAYMENT * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report AFFIRM INC acct ending in XXXX reported balance {$0.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending XXXX reported balance {$1300.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending in XXXX reported balance {$710.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX acct ending in XXXX reported balance {$440.00} status : [ Collection/Charge-off/Late pays ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
Multiple calls and emails from different companies trying to collect the same debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
Toyota Financial reported an auto loan charge-off to my personal credit report even though the vehicle was a business vehicle. The vehicle was totaled after being hit by a XXXX driver. Insurance was involved, and I did not have XXXX coverage, but this should have never been reported to my personal credit file. This is being reported inaccurately across the bureaus and is harming my credit standing. I requested verification and an investigation from Toyota, but they did not provide the required documentation to justify this reporting under the FCRA. I am requesting a full investigation into the accuracy and legality of this account being reported to my personal consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am submitting this complaint because my credit reports with Experian and TransUnion contain multiple inaccurate and unverifiable address listings that misrepresent my personal information, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ), XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/year> ), and a variation of the California address reported by TransUnion as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , none of which are associated with me, and these inaccuracies have persisted despite my attempts to dispute them directly with the bureaus. These errors demonstrate a failure by the furnishers to properly update information under FCRA 623 ( a ) ( 2 ), a lack of reasonable procedures to ensure maximum possible accuracy under FCRA 607 ( b ), and a violation of my right to proper identification information under FCRA 609 ( a ) ( 1 ). Additionally, the bureaus have failed to conduct a timely and thorough reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), leaving my credit file reflecting false and misleading information that could negatively impact my creditworthiness and financial reputation. These persistent inaccuracies represent a systemic failure to maintain an accurate consumer credit report, and I am seeking CFPB intervention to compel corrective action.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, I received an email from Synchrony Bank ( XXXX ) notifying me that a {$250.00} transaction at XXXX was declined on my PayPal Credit Card. I did not authorize this transaction and am concerned that it may have been an attempted unauthorized use of my account.

I did not receive any prior alerts, authentication requests, or fraud warnings before this attempted charge. I am alarmed that such a transaction could be attempted without my knowledge or consent.

I am requesting that Synchrony Bank and PayPal Credit implement stronger security measures on my account, including mandatory two-factor authentication, real-time fraud alerts, and enhanced monitoring for suspicious activity. I am also requesting a full investigation into this incident and confirmation that I will not be held liable for any unauthorized activity.

This incident raises serious concerns about the adequacy of current security protocols, and I believe stronger protections are necessary to prevent future breaches.

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 2025-11-17 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 have provided all credit bureaus with FTC report no information I need to remove the debt does not belong to me

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 2025-11-17 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:
I have provided all credit bureaus with FTC report no information I need to remove the debt does not belong to me

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