vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, FL XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Formal FCRA Complaint & Demand for Correction SCCU Auto Loan Credit Reporting Errors To Whom It May Concern : I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX  ) for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), and to notify the Consumer Financial Protection Bureau ( CFPB ) of this misconduct. 

Over the last XXXX to XXXX months, XXXX has repeatedly submitted inaccurate and inconsistent information regarding my auto loan to the XXXX major credit reporting agencies : Equifax, TransUnion, and Experian. These reporting errors have significantly damaged my credit history, rating, and scores. 

The most recent and egregious example involves the XX/XX/2025 car payment. That payment was initially reported correctly as paid on time, then erroneously changed to XXXX late, then reverted again to paid on time, and now once again incorrectly listed as XXXX late. This back-and-forth pattern reflects gross negligence and complete disregard for accuracy, and it contradicts the factual record that all payments under this loan have been made fewer than XXXX  days late which, under FCRA, should not be reported as delinquent. 

Multiple disputes have been filed and, each time, the investigation responses from XXXX and the credit bureaus have dishonestly claimed the account is being reported correctly despite evidence to the contrary. This pattern suggests willful misreporting and a failure to conduct reasonable investigations, in direct violation of FCRA requirements under XXXX ( b ). 

If the XX/XX/2025 payment is not corrected and restored to paid on time across all three credit reports within XXXX days of the date of this letter, I will pursue legal action for : Willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX Reputational and financial harm due to inaccurate credit reporting Emotional distress and damages for prolonged and unresolved reporting errors Violations of the CFPBs standards for fair and accurate credit data reporting Please take this as a final demand to correct the reporting of the XX/XX/2025 payment and permanently cease all inaccurate updates regarding my XXXX auto loan. If corrective action is not taken within XXXX calendar days, I will proceed with lawsuits against XXXX, Equifax, TransUnion, Experian, and file additional complaints with the Federal Trade Commission ( FTC ) and the Florida Attorney Generals Office. 

I request a written confirmation from XXXX and the CFPB that this matter is under immediate review, and that all corrective actions have been initiated. 
Sincerely, XXXX XXXX XXXX XXXX # : ENDING XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: KEYCORP
State: NY

Complaint narrative:
keybank closed my secured credit card even though they told me once i payed them back they would re in state my card they forced me to pay back my full balance of XXXX dollars i paid last week and they still havent released my funds

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive been a Capital One customer since XX/XX/year> and have never missed a payment. I typically use the card for a few XXXX dollars in spending every other month. Recently, my credit limit was significantly reduced without prior notice. 

Capital One 's email listed several generic reasons, including recent cash advance and manual cash disbursement activity, revolving balance ratios, and payment-to-balance comparisons. However, these reasons lack clarity and dont align with my decade-long record of responsible use. 

When I called to request a review or escalation, I was told there was nothing they could do. This has negatively affected my credit utilization and could harm my credit score. Im asking for a full review of this decision, given my strong account history, and for a more specific and individualized explanation or reconsideration of the limit reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I was shocked to find accounts on my credit report that I did not open or approve. These are not mine, and I strongly believe they were added through fraudulent activity. I am requesting their immediate deletion in line with 15 U.S. Code 1681g. I expect this to be resolved within XXXX  days. Attached are documents that support my claim.

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 2025-06-20 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : REGIONAL FIN [ Insert their mailing address here if you have it ] Subject : Request to Close Account and Cease Reporting Account Number [ Insert Account Number ] Dear XXXX XXXX, I am writing to formally request the closure of my account with your institution. The account has recently been reported as 60 days late, and the balance has increased, as reflected on my credit report. Due to financial hardship and my desire to take control of my credit profile and finances, I am choosing to close this account. 

Please take the following actions : 1. Immediately close this account and update the status to Closed by Consumer with all credit bureaus.

2. Cease all further reporting of this account as delinquent to the credit reporting agencies.

3. If possible, I respectfully request that you consider removing any negative payment history as a gesture of goodwill. I understand that consistent late payments were reported, but I am working diligently to resolve my debts and improve my credit responsibly.

4. Send me a written confirmation once the account is officially closed and updated accordingly with the credit bureaus.

Thank you for your attention to this matter. I appreciate your time and consideration in helping me move forward. 

Sincerely, XXXX XXXX [ XXXX XXXX of 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 2025-06-20 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: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX while damaging my creditworthiness and financial standing. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. The continued presence of these disputed items violates my rights under the Fair Credit Reporting Act and demonstrates a failure to properly investigate and verify the accuracy of the information being reported.

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 2025-06-20 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-20 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 2025-06-20 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:
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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : 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 non-monetary relief
Consumer complaint received 2025-06-20 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 am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary stress, and I kindly request its immediate removal to accurately reflect my payment history.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: WV

Complaint narrative:
Dispute Letter : Discover Card ( Account # XXXX ) I am filing a complaint against Issue : Account closed and paid in settlement with {$270.00} written off. Final payment was XX/XX/year>. No monthly payment listed ; status updated XX/XX/year>. Potential issue with accurate reporting and full debt validation. 
but credit bureau, XXXX XXXX XXXX XXXX updated the status. This XXXX reflect illegal re-aging or improper updates. 

I was never properly notified about charge-off actions and was not given a right to cure the default before the derogatory status was reported. 
Delete the account from my credit report if it can not be substantiated under FCRA 15 U.S.C. 1681i and 1681s-2 ( b ).

I submitted disputes, and the bureau did not correct the entries or provide verification per FCRA 609 and 611.

I am requesting that the CFPB initiate an investigation and require credit bureau to either provide documented verification or permanently delete the accounts under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ).

If the information remains unverifiable, incomplete, or inaccurate, it must be deleted under federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I have the right to dispute incomplete or inaccurate information. XXXX XXXX XXXX If verify the completeness or accuracy of the reporting, the tradeline must be corrected or deleted within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My namy ; XXXX XXXX my TD bank account ; XXXX my phone ; XXXX my address ; XXXX XXXX XXXX XXXX XXXX nj XXXX Account branch where I open ; XXXX XXXX XXXX XXXX NJ XXXX XXXX ; XXXX XXXX XXXX I opened an account with TD Bank in XXXX and closed it in the same year. 
However, I kept receiving bills in XXXX even though I had closed the account, so I tried to close it again, but it still wasnt properly closed. 
Then in XXXX, I closed it again and even paid off a balance that I wasnt supposed to be responsible for. 
But now I received another bill, and the account is still not closed. 
TD Bank keeps lying and saying its been closed, but they havent actually closed it. 
I want to close my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Complaint Summary : Capital One has mishandled my chargeback request and failed to act in good faith or in my best interest as a consumer. They denied my dispute in clear contradiction of Mastercards own policies and sided with a merchant who provided no evidence and has a documented history of customer deception. 

The dispute involved a purchase from XXXX XXXX XXXX XXXX ( operating as DingDingDing.com ), a video game platform that sells digital entertainment bundles. These bundles include XXXX XXXX ( which have no monetary value ) and access to VIP platform services such as XXXX customer support and redemption interfaces. 

The merchant failed to deliver the services I paid for. After my purchase, they XXXX all support channels, blocked access to key features, and became completely unresponsive. This is a textbook case of non-delivery of goods/services, which falls under XXXX Reason XXXX XXXX : Goods or Services Not as Described. 

Despite this, Capital One wrongly categorized the transaction as falling under Mastercards restrictions for gambling or digital currency. This is factually incorrect and a misapplication of Mastercard rules. Mastercards own handbook clearly states : Restrictions related to gambling or digital currency do not apply to gaming merchants. This includes transactions for in-game credits, digital content, or bundled packages associated with entertainment platforms. 

XXXX is a gaming merchant. This was not a bet, not an investment, and not a crypto purchase. I was not disputing the outcome of a game or a wager I was disputing the merchants failure to deliver the services they advertised and I paid for. 

Making matters worse : The merchant failed to provide any evidence in the dispute process, yet Capital One still ruled in their favor. 

Capital One waited until after the rebuttal deadline to notify me that the case was closed, effectively stripping me of the opportunity to respond. 

Capital One has failed to advocate for me as a customer and ignored the merchant 's lack of cooperation. They enabled a fraudulent merchant by denying a valid dispute and hiding behind misapplied policy. 

Requested Resolution : Reopen or escalate the dispute under XXXX Reason Code XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Regarding Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( {$1000.00} ) Regarding Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( {$860.00} ) I am writing to formally request that you cease all communication with me regarding the alleged debt associated with the above-referenced accounts. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692c ( c ). I am exercising my right to demand that you stop all contact about this matter. This letter does not serve as an acknowledgement of the debt or an admission of any liability., Additionally, it you have not already provided verification of this alleged debt. I request that you do so in accordance with15 U.S.C. 1692g ( b ) Please be advised that if you to comply with this request. I will not hesitate to report your conduct to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General 's Office Thank you for your immediate attention to this matter Sincerely, 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 2025-06-20 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:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
{$740.00} as of XX/XX/year> Credence Resource Manage Original Lender- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it was denied. Called XXXX to dispute and was told to submit police report. Called police in area where service was fraudulently being used and was told its a rental property and the people most likely dont live their anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: VA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights 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