vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Fundo LLC
State: NC

Complaint narrative:
XX/XX/year> I signed a agreement with Fundo but after reading the reviews and the tactics that they use if you default on a loan made me quickly change my mind.On the same day that the agreement was executed. I initiated a request to cancel the loan. I reached out to them via telephone ( no answer ) and followed up swiftly with a email. This cancellation request was made prior to any notification or awareness that funds had been disbursed. I heard from them several days later saying that they tried to debit my account back for the XXXX $ and now Im responsible for paying them back with fees even though I requested to cancel it. I honestly believe they intentionally overlooked the email and still processed the funds. I pleaded with XXXX a Fundo account manager to let me pay back the XXXX $ only without any fees attached because I tried to cancel the loan but they sent it anyway even though I requested to have the loan cancelled and she said that wasnt optional. I paid XXXX $ towards this loan and because it is predatory and my XXXX  is not generating any income I couldnt keep up with it which it went into default. They continuously called me even after I requested for them to stop and emailed me with threats of a UCC Lien. They threatened legal actions and is now demanding a payment of over XXXX $ off of a XXXX $ loan that I tried to cancel on the same day the documents were sign. This company is predatory and shouldnt be allowed to get away with doing this to people. This company needs to be looked into for their outrageous fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/year> I sent {$150.00} to XXXX. My wife no longer has access to this account. According to cashapp of this money not been accepted it would return to my account in 14 days it never came back. My wife doesnt have access and the money is gone. My Cash App name is oakmantle. The account name I sent the {$150.00} is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FIRST ADVANTAGE CORPORATION
State: OH

Complaint narrative:
the company knew i am XXXX years of age which XXXX and older, primarily protected by the federal Age Discrimination in Employment Act ( ADEA ) so in having that constructive knowledge of my age the company wrongfully acted against my protected class in complicit violation of the rule of law in their part in the background screening process, The company allowed application of the " last activity date '' which should not be part of their policy to this older employee applicant in a background screening process, this older applicant was rejected based on failure to recognize the gap in the criminal history which instead was captured by a " last activity date '', this is evidence of age discrimination because The problem with using a " last activity date '' on the protected class of the applicant, Using a " last activity date '' to report older information or report misinformation misleads the employer and potentially violated the law. Here are a few reasons why this practice is problematic, Violation of adverse reporting limits : It is illegal under the FCRA to report non-conviction information after the seven-year lookback period has expired. 
EEOC concerns : Employers and background companies who allow use of a " last activity date '' to justify considering an old offense faces scrutiny from the EEOC, which advises caution when considering older convictions. Increased litigation risk : In 2013, the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) made it clear that the lookback period for dismissed charges runs from the date of the charge, not the disposition date. A company that uses a different, later date to report older adverse information or misinformation from their discriminatory actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Company : XXXX XXXX XXXX  / XXXX XXXX Category : Credit card or charge account Credit reporting or credit repair services Complaint Type : Incorrect information on credit report XXXX XXXX XXXX  is inaccurately reporting a charge-off on my credit report in the amount of {$710.00}. I am disputing the validity and accuracy of this entry and requesting its removal because the reporting violates the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 


The account is listed on my credit report as XXXX XXXX XXXX  XXXX XXXX {$710.00}, reported XX/XX/year>. 
I have never received proper written billing statements, notice of charge-off, or verification of the debt as required under federal credit laws. 

Under 12 CFR 1026.13 ( Regulation Z ) the Credit Billing Error Resolution rule of the FCBA creditors must investigate and correct any billing errors when a consumer disputes a charge. 

Additionally, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, furnishers of information ( such as XXXX XXXX XXXX  ) are legally obligated to : 1. Conduct a reasonable investigation of the dispute ; 2. Review all relevant information provided by the consumer ; 3. Correct or delete any information found to be inaccurate or unverifiable. 

To date, XXXX XXXX XXXX  has failed to provide verification or validation of the alleged debt. Continuing to report this charge-off without substantiation constitutes a violation of both the FCBA and FCRA. 


I request that : 1. The charge-off entry be deleted from all consumer credit bureaus ; or 2. If verification is available, XXXX XXXX XXXX  must provide full documentation showing : The original signed account agreement ; A complete payment history ; and Proof of valid charge-off notice sent to me in compliance with FCBA. 

If these can not be produced, this reporting should be permanently removed as unverified and non-compliant with federal credit reporting standards. 



Relevant Laws and Regulations Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 ; Regulation Z ( 12 CFR 1026.13 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ) ( 5 ) Evidence Attached ( Exhibit A ) Screenshot from my credit-monitoring app dated XX/XX/year> showing the XXXX XXXX XXXX charge-off ( {$710.00} ) along with collection accounts from XXXX XXXX and XXXX XXXX XXXX. 
This image demonstrates that the charge-off is actively being reported and is the subject of my dispute. 
( XXXX XXXX : XXXX ) Please initiate a formal investigation into XXXX XXXX XXXX  reporting practices and require that the charge-off be removed from my credit file unless the bank can produce verifiable documentation supporting its accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
Company : XXXX XXXX XXXX  / XXXX XXXX Category : Credit card or charge account Credit reporting or credit repair services Complaint Type : Incorrect information on credit report XXXX XXXX XXXX  is inaccurately reporting a charge-off on my credit report in the amount of {$710.00}. I am disputing the validity and accuracy of this entry and requesting its removal because the reporting violates the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). 


The account is listed on my credit report as XXXX XXXX XXXX  Charge Off {$710.00}, reported XX/XX/year>. 
I have never received proper written billing statements, notice of charge-off, or verification of the debt as required under federal credit laws. 

Under 12 CFR 1026.13 ( Regulation Z ) the Credit Billing Error Resolution rule of the FCBA creditors must investigate and correct any billing errors when a consumer disputes a charge.

Additionally, under 15 U.S.C. 1681s-2 ( b ) of the FCRA, furnishers of information ( such as XXXX XXXX XXXX  ) are legally obligated to : 1. Conduct a reasonable investigation of the dispute ; 2. Review all relevant information provided by the consumer ; 3. Correct or delete any information found to be inaccurate or unverifiable. 

To date, XXXX XXXX XXXX  has failed to provide verification or validation of the alleged debt. Continuing to report this charge-off without substantiation constitutes a violation of both the FCBA and FCRA.

I request that : 1. The charge-off entry be deleted from all consumer credit bureaus ; or 2. If verification is available, XXXX XXXX XXXX  must provide full documentation showing : The original signed account agreement ; A complete payment history ; and Proof of valid charge-off notice sent to me in compliance with FCBA. 

If these can not be produced, this reporting should be permanently removed as unverified and non-compliant with federal credit reporting standards. 



Relevant Laws and Regulations Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 ; Regulation Z ( 12 CFR 1026.13 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) and 1681i ( a ) ( 5 ) Evidence Attached ( Exhibit A ) Screenshot from my credit-monitoring app dated XX/XX/year> showing the XXXX XXXX XXXX  charge-off ( {$710.00} ) along with collection accounts from XXXX XXXX and XXXX XXXX XXXX. 
This image demonstrates that the charge-off is actively being reported and is the subject of my dispute. 
( XXXX XXXX : XXXX ) Please initiate a formal investigation into XXXX XXXX XXXX  reporting practices and require that the charge-off be removed from my credit file unless the bank can produce verifiable documentation supporting its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
THIS IS NOT A DUPLICATE! 
THIS IS NOT A SIMILAR ISSUE! 
THIS IS A NEW ISSUE THAT AROSE FROM DOCUMENTS SDNT THROUGH THE CFPB WITHOUT MY SIGNATURE! 
PLEASE EXPLAIN HOW THISCIS A DUPLICATE ORCA SIMILAR COMPLAINT. 
I DO NOT UNDERSTAND YOUR REASONING FOR MARKING THE COMPLAINT A DUPLICATE! 

COMPANIES REFUSAL TO ADDRESS COMPLAINT SHOULD BE NOTED! 

COMPANY NEEDS TO PROVIDE A RESPONSE TO MY REQUEST FOR CLARIFICATION ON THE COMPLAINT BEING MARKED AS A DUPLICATE OR SIMILAR ISSUE. I DO NOT UNDERSTAND WHY THE COMPANY DOES NOT WANT TO ANSWER QUESTIONS OR TAKE ACCOUNTABILITY FOR THIER ACTIONS. 
THE CFPB NEEDS TO STOP THE COMPANY FROM MARKING COMPLAINTS DUPLICATES BECAUSE THEY DONT WANT TO RESPOND AND PRESEVERE THIER POSITION. 

XXXX This is not a duplicate complaint. In the previous complaint I asked for documentation that capital one auto finance provided. Once a reviewed the documentation i found evidence that my account terms were changed without my signature or authorization. The company has charged me additional interest and fees as a result of this. There is nothing similar or a duplicate request in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: FL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX 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 ( XXXX XXXX ) XXXX XXXX XXXX XXXX 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, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX Subject : Debt Validation Request and Dispute of Debt To Whom It May Concern, I am writing regarding an alleged debt referenced by your agency under account number ( listed above ). I dispute the validity of this debt and request that you provide me with written verification as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : - The amount of the debt - The name of the original creditor - Documentation proving that I am legally obligated to pay this debt - Copies of any contracts or agreements bearing my signature Please cease all collection activities, including reporting this debt to any credit reporting agencies as this results in a negative impact on my credit report. 

Additionally, if this debt is inaccurate or not mine, please remove it from all records and notify the credit bureaus accordingly. 

Please respond to this request in writing within 30 days as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
I am filing this complaint against the credit reporting agencies and the creditors listed below for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ). Multiple inaccurate items, wrong addresses, and unverified inquiries are being reported on my credit file. These errors are severely harming my credit reputation, causing emotional distress, and creating financial obstacles such as loan denials and higher interest rates. Despite my attempts to resolve these issues through direct disputes, the credit bureaus and furnishers have failed to properly investigate and correct these mistakes. 
XXXX XXXX Account XXXX. XXXX High Balance : {$4900.00} | Date Opened : XX/XX/year> | Status : Late Payment This account contains false information showing late payment history. I have never made a late payment to XXXX XXXX. This is a serious reporting error. The inaccurate data appears to stem from a clerical or data transmission issue and is not supported by any verified documentation. Please conduct a thorough reinvestigation and update the payment history to reflect an accurate and timely record. 
Requested Action by CFPB I am requesting that the CFPB : 1. Investigate the actions of the credit bureaus ( XXXX, Equifax, XXXX  ) and the data furnishers involved in these inaccuracies.

2. Ensure correction or deletion of all unverifiable or false addresses, accounts, and inquiries listed in this complaint. 
3. Enforce compliance with the Fair Credit Reporting Act, ensuring all entities maintain complete, accurate, and verified data.

4. Hold the responsible parties accountable for negligence and inaccurate reporting practices that have caused me measurable harm. 
These repeated errors have caused unnecessary stress, credit denials, and reputational damage. I expect CFPB oversight to ensure full correction, written acknowledgment of the changes made, and assurance that such mistakes will not reoccur in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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