vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Second Request Insufficient Reinvestigation and Incomplete Response for Disputed Account ( XXXX Ending in XXXX ) To Whom It May Concern : I am writing in response to your recent reinvestigation results regarding my dispute of the XXXX XXXX account ending in XXXX. While your letter dated XX/XX/XXXX states that you completed the reinvestigation, I must respectfully assert that your response fails to fulfill your obligations under the Fair Credit Reporting Act ( FCRA ), particularly 1681i and 1681s-2 ( b ).

Summary of My Concerns : 1. Insufficient Explanation of Reinvestigation Your notice claims you contacted the furnisher ( XXXX XXXX ) and reviewed the data, but you did not explain : What documentation was provided by XXXX XXXX What specific information was verified or corrected What methodology was used to assess the dispute Per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a detailed description of the procedure used to verify the disputed information. Simply stating that you contacted the company does not meet that requirement. 
2. Ongoing Inaccurate or Misleading Reporting The XXXX XXXX tradeline continues to report : A charge-off from XX/XX/XXXX A balance of {$1100.00} for more than 15 months with no collection activity Repeated monthly " CO '' entries, which implies ongoing delinquency without resolution This creates a misleading impression and may constitute unlawful re-aging of debt. 
3. Furnisher 's Failure to Conduct a Reasonable Investigation If XXXX XXXX did not provide updated documentation or clarify account status during your reinvestigation, then the furnisher is in violation of 1681s-2 ( b ). You must either remove the item or provide a detailed, documented explanation from the furnisher confirming the accuracy of all reported data.

________________________________________ Formal Request Under the FCRA 611 ( a ) ( 7 ), I formally request : A description of the procedures used during the reinvestigation The name and contact information of the party at XXXX XXXX who verified the account A copy of any documents or evidence provided by the furnisher A complete and itemized summary of your reinvestigation findings If you are unable to provide this information, I request that you delete the disputed account under FCRA 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
I am filing a complaint against Capital One regarding an unjustified annual fee and subsequent late fee on a credit card account I do not use and that carries a XXXX balance. 

Capital One charged me a {$59.00} annual fee without prior notice or use of the card. Because I dont actively use the card and had no balance, I was unaware that a charge had been posted. 

Subsequently, they added a {$26.00} late fee, bringing the total to {$85.00} for a card I do not use and did not authorize new charges on. 

I contacted Capital One to dispute the charges. I explained the account had a XXXX balance, that the fee was not anticipated or consented to, and that I had not received clear notice of the charge. They refused to reverse the fees and told me I could not file a complaint with them as they have no compliance or complaint department, which I find unacceptable. 

I believe this practice is deceptive, particularly for inactive accounts, and request that the CFPB investigate this fee structure and require that Capital One remove both the annual and late fee from my account. This is a money grab on an inactive account that doesnt carry a balance and if you cancel the card your credit score will take a hit. 

Thank you for your time and consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 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: WA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX  Balance XXXX {$700.00} Open Date XX/XX/XXXX XXXX/XXXX  Balance : {$500.00} Open Date XX/XX/XXXX XXXX/XXXX  Balance : {$300.00} Open Date XX/XX/XXXX XXXX/XXXX  Balance : {$1000.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance : {$800.00} Open Date XX/XX/XXXX XXXX  Balance : {$1100.00} Open Date XX/XX/XXXX XXXX  XXXX  Balance : {$500.00} Open Date XX/XX/XXXX XXXX Balance : {$2500.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX : {$10000.00} Open Date XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: CREDIT ACCEPTANCE CORPORATION
State: MT

Complaint narrative:
My kansas tags were due to expire the end of XXXX .. my residence is in montana XXXX So I am registering my tags in montana. 
I called montana XXXX XXXX XXXX in XXXX, MT on XX/XX/XXXX asked how do I register my truck in XXXX  XXXX it was registered in kansas the year before. I travel foreword and in south carolina. So they said they need a title from bank and power of attorney yo my mother in order for her to get my registration. 
I called Credit Acceptance the bank my loans through .. they said they need a change of title request from the dmv XXXX From state to state XX/XX/XXXX notary done and sent overnights to my otherwise copies of everything she needed. 
XXXX was closed for a new system from XXXX to XXXX XX/XX/XXXX XXXX went in to the XXXX office and signed all the papers to kansas and credit acceptance and faxed faxed again Called a few weeks later and asked if they made any progress. They informed me they didn't receive no fax on XX/XX/XXXX I was told that we need to call them direct so I did they still never received it XX/XX/XXXX XXXX relaxed and emailed to some new number XX/XX/XXXX called and still said no fax from montana but montana has a copy of the fax going through. 
XX/XX/XXXX I guess kansas is also a month behind on doing any request

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 2025-05-05 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc.
State: PA

Complaint narrative:
I requested the payoff letter on XXXX, they told me it would take 48 hours for an Email. I waited till XXXX and called again, they said it should show up. I waited all day and got nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: AL

Complaint narrative:
Hello, I'm reaching out to request a correction to my personal information listed on my credit report. The current inaccuracies have been causing issues with my credit applications, which has been both stressful and frustrating. I would greatly appreciate your help in updating the information so it accurately reflects my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
On XXXX XXXX, 2025, I discovered that several fraudulent accounts had been opened in my name without my knowledge or consent. These accounts were the result of identity theft, and I did not authorize or initiate any of them.

I promptly submitted dispute requests to the major credit bureausExperian, TransUnion, and Equifaxto report the identity theft and requested the removal of all unauthorized accounts. I also cited my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, which entitles consumers to have fraudulent information blocked from their credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NJ

Complaint narrative:
On XXXX XXXX, 2025, I discovered that several fraudulent accounts had been opened in my name without my knowledge or consent. These accounts were the result of identity theft, and I did not authorize or initiate any of them.

I promptly submitted dispute requests to the major credit bureausExperian, TransUnion, and Equifaxto report the identity theft and requested the removal of all unauthorized accounts. I also cited my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, which entitles consumers to have fraudulent information blocked from their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
On XXXX around XXXX I called Spring Oaks Capital , LLC requested them to delete my personal information persuant to the California privacy act and she yell at me and told me she was not deleting my personal information because I didnt pay. 

I have a witness XXXX XXXX who heard her tell me no and the call was recorded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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: NY

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

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 2025-05-05 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: Grow Credit Inc
State: TX

Complaint narrative:
Grow Credit ( through its partner bank ) reported a charge-off on my credit reports with Experian, Equifax, and TransUnion, but has failed to provide legally required documentation to substantiate this designation. I am not disputing the existence of the account or the missed payments. My complaint concerns the accuracy and legality of the charge-off status being reported which has serious credit consequences. 

On or around XX/XX/year>, I contacted Grow Credit and formally requested the following : Accounting records showing the account was charged off in accordance with GAAP A copy of any Form 1099-C filed or explanation if it was not The specific data Grow Credit furnished to the credit bureaus ( e.g., DOFD, account status codes, charge-off date ) In response, Grow Credit provided unrelated documents including a payment history, e-sign agreement, and general customer notifications. However, they did not provide any documentation verifying that the account was actually charged off, nor did they show any Metro 2 data or confirm the IRS treatment of the alleged loss.

Despite this, the charge-off continues to appear on all three of my credit reports. This failure to verify may constitute furnishing inaccurate or unverifiable information under FCRA 1681s-2, and their refusal to correct it after being notified raises concerns of willful noncompliance. 

I am requesting that the CFPB investigate this issue, ensure XXXX XXXX provides the proper documentation, or instruct the company to delete the charge-off tradeline if they can not legally support its accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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 submitting this complaint against both XXXX XXXX XXXX and Experian due to the ongoing reporting and mishandling of an account I never authorized or verified, Account # XXXX. 

I am filing this complaint against both XXXX XXXX XXXX and Experian for their continued reporting of an unverified and disputed debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a formal debt validation request to XXXX  regarding Account # XXXX, invoking my rights under 15 U.S.C. 1692g and 12 CFR 1006.34. I requested verifiable proof of the debt, including a signed agreement and itemized payment history.

Instead of providing a signed contract or valid documentation that meets legal standards for debt validation, XXXX  responded on XX/XX/XXXX with unsigned generic documents ( Truth in Lending Disclosure and a Loan Verification Letter ). These do not constitute legal validation of the debt. 

Despite this, XXXX has continued to report the account to Experian, who in turn claims the information was verified without conducting a proper reinvestigation as required under 15 U.S.C. 1681i. This is a clear violation of both FCRA 1681s-2 ( b ) and the Metro 2 Compliance Guidelines, which require that unverifiable information be deleted or updated.

I have attached my original debt validation letter and XXXX XXXX inadequate response as supporting evidence. I respectfully request that the CFPB enforce compliance and protect my rights under the FDCPA and FCRA.

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 2025-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services
State: OK

Complaint narrative:
Formal dispute of inaccurate student reporting.

To whom this may concern, I am formally disputing an inaccurate reporting of federal student loan on my credit report. The account falsely reports payments being made for years, despite the fact that I have never made a single payment. this constitutes willful misrepresentation and a violation of the fair credit reporting act ( FCRA ) 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ), which requires furniture to report accurate information.

Additionally, per 15 USC 1681b, I am requesting full verification, including original promissory note with my wet ink signature, a full payment history detailing where these allege payments originated, and any contracts or agreements authorizing this reporting. Failure to provide these documents confirm that this information is unverifiable and must be removed per 15 U.S.C. 1681i ( a ) ( 5 ). If this account can not be verified with requested documentation, it must be deleted immediately. Continued false reporting of payments extends the life of this account beyond legal reporting limits, violating the fair credit reporting act. Please provide resolution in writing within the legally required timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief