vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX erroneously sent an invalid debt to EAS collections. It was posted on my credit report and though numerous documents verifying the debt was not real, phones calls and disputes have been made, the collection still is on credit report. EAS states that they have requested the removal from XXXX  and XXXX states that EAS continues to verify the debt. XXXX continually request that disputes be submitted electronically. This has been done for months now. All documentation was submitted through the electronic system and they XXXX to say they have no documentation and that EAS is counting to verify the debt as accurate. XXXX  also states that they have not received any documents, though the dispute portal, continues to confirm the upload of documents. This has created a situation that has cause me to be unable to secure mortgage financing for myself and family. XXXX refuses to correct the error, that Eastern Acct Systems ( EAS ), continues to state they have requested XXXX to remove collection from credit report. XXXX has also stated that they have not received any documents from CFPB, as well. Which you claim were sent with previous complaint

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am disputing inaccurate and unauthorized items appearing on my TransUnion credit file. Pursuant to FCRA 611, I request a full investigation and correction of the items below.

1. Charged-Off Accounts Charged-off accounts are being reported inaccurately or without verification. Please verify or remove any unverifiable accounts.

( List any if applicable ) 2. Inquiries The following inquiries were not authorized and should be deleted unless TransUnion can provide documentation proving permissible purpose : XXXX XXXX, XX/XX/year> XXXX XXXX, XX/XX/year> XXXX. Late Payment The following account is showing incorrect late payment reporting : XXXX XXXX, Account # : XXXX Please verify with original payment history or remove the inaccurate information.

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 2025-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint to request an investigation into Capital Ones handling of my account and to determine whether Capital One complied with applicable federal guidelines governing notice of delinquency and credit reporting, including those referenced by the Consumer Financial Protection Bureau ( CFPB ) : https : XXXX. 

On XX/XX/year>, I made XXXX payments toward my Capital One credit card in the amounts of approximately {$380.00} and {$200.00}. Notwithstanding these payments, a remaining balance of {$37.00} became due during the XXXX billing period. At no point did I receive any communicationwritten, electronic, or otherwisefrom Capital One notifying me of this past-due amount. Despite the lack of notice, Capital One continued to assess late fees of {$25.00}, {$40.00}, and {$40.00} in the subsequent months. 

I contacted Capital One customer service seeking verification of the communications they claim to have sent regarding this past-due balance, including dates, formats, and delivery methods. My request was denied without explanation. Accordingly, through this complaint, I am formally requesting documentation of all notices or communications Capital One alleges were sent to me relating to the past-due balance. 

I also request confirmation that Capital One followed all legally required procedures prior to reporting any delinquency information to credit reporting agencies, as outlined in the CFPB guidance referenced above. 

It is particularly concerning that Capital One routinely sends promotional mail solicitations for new credit products but, in this instance, failed to provide even a single noticeby mail, email, or textregarding a past-due balance, all while continuing to impose late fees. It is unreasonable and contrary to consumer protection principles to place the full burden on customers to monitor account status daily when the issuer fails to provide required delinquency notifications. 

I request a full and documented response from Capital One addressing the issues raised above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am writing to dispute the following accounts that appear inaccurately on my credit report. These accounts include both charged-off accounts and inquiries that need to be reviewed and corrected. The details are as follows : Charged Off Accounts : Bankruptcy Account Number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-25 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: MA

Complaint narrative:
I am submitting this formal dispute for the accounts listed below. These accounts need to be investigated for discrepancies, inaccuracies, or incorrect reporting. I respectfully request that the credit reporting agencies address the following disputes in accordance with the Fair Credit Reporting Act ( FCRA ). 
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: SC

Complaint narrative:
I am disputing the following charged-off accounts with Experian. These accounts appear to be inaccurately reported, and I request that you investigate and resolve any discrepancies to ensure accuracy. 

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

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX Bank is furnishing and reporting inaccurate information to all three Consumer Reporting Agencies regarding my XXXX  XXXX account ending in XXXX. A merchant called XXXX XXXX XXXX withdrew {$830.00} from my account without my authorization or the authorization of my son, XXXX XXXX XXXX who is the authorized user. 

Neither I nor my son ever gave written, verbal, electronic, or portal-based consent for this merchant to store or reuse this payment method. Any time this card was used, it was used one-time only with my permission and was never authorized for recurring billing or storage. Despite this, the merchant repeatedly charged the card and refused to release my sons mail even after services were canceled. The merchant also refused to provide the documentation we requested, including account history, contracts, or proof of authorization. 

On XX/XX/XXXX, my son spoke with the merchant in a recorded call where the representative admitted that the additional charges were automated storage fees generated by their systemnot authorized transactions. On XX/XX/XXXX, my son spoke in a three-way call with both XXXX XXXX Bank and XXXX XXXX, during which both parties were notified that the transaction was disputed and unauthorized. Neither party could provide any signed agreements, IP logs, or proof of authorization. XXXX XXXX Bank still refused to reverse the charge or provide reinvestigation results. 

XXXX XXXX Bank then reported false and inconsistent utilization data to the XXXX XXXX Agencies. Experian is reporting 84.56 % utilization in XXXX section and 85 % in another, with an inaccurate reported balance of {$1300.00} on a {$1600.00} credit limit. This is factually incorrect and has caused significant harm to my XXXX Report, including score drops and credit denials. I have had a positive payment history with this card since XXXX, and this inaccurate reporting is damaging my credit profile. 

I submitted a notarized written dispute to XXXX XXXX Bank ( Formal Notice of Dispute ), which they received, but they still have not provided reinvestigation results within the required time frame under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ( b ) ). The merchant and bank both failed to provide documentation proving authorization, and the account is still being reported inaccurately. 

The mailed dispute was sent by certified mail. Tracking number will be updated in the CFPB portal as soon as XXXX generates it. 

Recordings from XX/XX/XXXX and XX/XX/XXXX are preserved in full and will be produced upon verification or at the time of formal litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX Bank is furnishing and reporting inaccurate information to all three Consumer Reporting Agencies regarding my XXXX  XXXX account ending in XXXX. A merchant called XXXX XXXX XXXX withdrew {$830.00} from my account without my authorization or the authorization of my son, XXXX XXXX XXXX who is the authorized user. 

Neither I nor my son ever gave written, verbal, electronic, or portal-based consent for this merchant to store or reuse this payment method. Any time this card was used, it was used one-time only with my permission and was never authorized for recurring billing or storage. Despite this, the merchant repeatedly charged the card and refused to release my sons mail even after services were canceled. The merchant also refused to provide the documentation we requested, including account history, contracts, or proof of authorization. 

On XX/XX/XXXX, my son spoke with the merchant in a recorded call where the representative admitted that the additional charges were automated storage fees generated by their systemnot authorized transactions. On XX/XX/XXXX, my son spoke in a three-way call with both XXXX XXXX Bank and XXXX XXXX, during which both parties were notified that the transaction was disputed and unauthorized. Neither party could provide any signed agreements, IP logs, or proof of authorization. XXXX XXXX Bank still refused to reverse the charge or provide reinvestigation results. 

XXXX XXXX Bank then reported false and inconsistent utilization data to the XXXX XXXX Agencies. Experian is reporting 84.56 % utilization in XXXX section and 85 % in another, with an inaccurate reported balance of {$1300.00} on a {$1600.00} credit limit. This is factually incorrect and has caused significant harm to my XXXX Report, including score drops and credit denials. I have had a positive payment history with this card since XXXX, and this inaccurate reporting is damaging my credit profile. 

I submitted a notarized written dispute to XXXX XXXX Bank ( Formal Notice of Dispute ), which they received, but they still have not provided reinvestigation results within the required time frame under the Fair Credit Reporting Act ( XXXX U.S.C. XXXX and XXXX ( b ) ). The merchant and bank both failed to provide documentation proving authorization, and the account is still being reported inaccurately. 

The mailed dispute was sent by certified mail. Tracking number will be updated in the CFPB portal as soon as XXXX generates it. 

Recordings from XX/XX/XXXX and XX/XX/XXXX are preserved in full and will be produced upon verification or at the time of formal litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OK

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MA

Complaint narrative:
I am submitting this formal dispute for the accounts listed below. These accounts need to be investigated for discrepancies, inaccuracies, or incorrect reporting. I respectfully request that the credit reporting agencies address the following disputes in accordance with the Fair Credit Reporting Act ( FCRA ). 
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

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 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I believe I have been a victim of predatory loan practices from Toyota Financial Services. The XXXX department rushed through the loan documents and added all these maintenance packages and GAP coverage and Warranties that I can't even use because I didn't purchase a XXXX. They also used XXXX parts on my XXXX which caused a multitude of serious safety issues, like corrosion of the brake lines. This should be illegal. I was force rushed into a contract I wasn't even aware of the conditions or consequences of. The lender refuses to work with me at all despite the fact that I'm experiencing a major medical hardship and unable to work. They have even sent a letter stating " Intent to Accelerate '' I have paid thousands of dollars so far and it barely made a dent in the {$37000.00} finance agreement. The car I purchased was only worth {$25000.00} on the lot so I don't know where the other {$13000.00} is coming from. I tried canceling the maintenance agreements but they refused the documents I've sent saying they are insufficient. Meanwhile, I have a pending repossession of my only mode of transportation XXXX XXXX XXXX and other necessary errands. I don't know what to do. Everytime I make a payment the amount I owe goes up instead of down. How does that even work? 
And on top of that, they have single handedly dropped all XXXX of my once okish credit reports down by over XXXX points. For XXXX missed payment. My credit was XXXX now its XXXX and continues dropping everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I would like to report a suspected online fraud incident. The individual initially posted a listing claiming to sell a XXXX XXXX camera in New York XXXX and agreed to meet in person for the transaction. She first asked me to pay a {$400.00} deposit, and later requested an additional {$650.00}, stating that she would otherwise sell the item to someone else. 

The day before our scheduled meeting, she informed me that she had to fly to XXXX XXXX for a family emergency and asked for another {$650.00} to mail the item to me, providing passport photos to verify her identity. Afterward, she repeatedly delayed shipment with various excuses and eventually requested an additional {$350.00} for delivery insurance. 

Despite making all requested payments, I never received the item, and she ultimately stopped responding. The repeated demands for more money, shifting explanations, and lack of any shipment evidence strongly indicate that this transaction was fraudulent. 

I hold an account with Bank of America ( BOA ), and all payments were made through this account. Given that this appears to be a scam, I am requesting assistance in recovering the funds that were transferred. I am prepared to provide full payment records, chat logs, and the identity information she sent me through a secure channel. I had information about this persons email, XXXX, phone number, and the passport number. I want them to take action on this person.

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 2025-11-25 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the accuracy of the information reported by Experian regarding the following accounts. After reviewing my credit report, I noticed discrepancies with the following items. I kindly request that these accounts be investigated and corrected as per the guidelines of the Fair Credit Reporting Act ( FCRA ). 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
I am submitting this dispute statement with the Consumer Financial Protection Bureau ( CFPB ) in regard to discrepancies in my credit report. After carefully reviewing my credit file, I have identified certain accounts and inquiries that I believe are inaccurately reported or misrepresented. The following accounts and inquiries are in dispute, and I request an immediate investigation to ensure that all inaccuracies are corrected and that my credit report reflects the true status of my credit history. 

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 XXXXXX/XX/year>

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a customer in California and Citi Bank is refusing to process my Regulation XXXX claim for an unauthorized {$450.00} XXXX transfer that occurred on the XXXX of this month. 

Citi told me to visit a branch and open a new account, which I did. After that, they repeatedly said they could not find the transaction, even though it clearly appears in my XXXX activity. 

When I asked for escalation to a supervisor, XXXX Citi representative stopped speaking, refused to provide her name or employee ID, and disconnected the call. This appears to be an intentional attempt to avoid filing my Regulation XXXX dispute. 

Citi is violating the Electronic Funds Transfer Act and California consumer-protection laws by refusing to accept my unauthorized transfer claim. 

I am requesting that Citi immediately file my Regulation XXXX claim, provide me with a claim number, and investigate the unauthorized transaction.

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