vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I am filing this formal complaint against Equifax for its repeated and intentional violations of the Fair Credit Reporting Act ( FCRA ) concerning identity theft disputes I have submitted. Although I provided XXXX  with a complete FTC Identity Theft Report along with all required supporting documents, the company has failed to remove fraudulent accounts from my credit report as mandated by law. The accounts involved include XXXX XXXX ( Account No. XXXX ) and XXXX XXXX  ( Account No. XXXX ) which XXXX XXXX  previously confirmed would be deleted but remains on my report. All of these accounts stem from identity theft and should have been blocked under FCRA 1681c-2. 

Equifax 's inaction violates 1681i ( a ) ( 1 ) for failing to carry out a proper reinvestigation, and 1681i ( a ) ( 5 ) for potentially re-reporting accounts without the required notification. These negligent and unlawful practices have caused me emotional distress, loss of time, and financial damage. 

To support my claim, I have attached a copy of the letter dated XX/XX/year>, which details my dispute and formal demand for deletion. This letter is submitted as official notice and further substantiates the allegations in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: 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 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 explanation
Consumer complaint received 2025-08-07 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: RI

Complaint narrative:
reviewed my credit reports from XXXX  TransUnion, and XXXX  and noticed that you, XXXX XXXX XXXX, have furnished account XXXXXXXX XXXX XXXX XXXX  as both a charge-off and a collection. That is incorrect and misleading. An account can not legally be reported as a charge-off and a collection at the same time.

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 2025-08-07 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: RI

Complaint narrative:
reviewed my credit reports from Equifax, XXXX XXXX XXXX and noticed that you, XXXX XXXX XXXX, have furnished account XXXXXXXX XXXX XXXX XXXX as both a charge-off and a collection. That is incorrect and misleading. An account can not legally be reported as a charge-off and a collection at the same time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Received a phone call from XXXX XXXX XXXX about a debt that is not mine. I did not give them my phone number, and I do not consent to being contacted about another persons expired, uncollectible debt. 

THEY ASKED ME IF I KNEW SOMEONE WITH THE NAME ON THE DEBT INSAID I DO AND THEY ASKED FOR HER PHONE NUMBER. NOT COOL TO ASK FOR THAT AND NOT COOL TO BOTHER ME ABOUT IT.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I logged into my Capital One account yesterday to close one of my credit cards after discovering an annual fee I wasnt aware of. The card had a balance of {$250.00}. I clicked on the amount to pay itdespite receiving a message that I didnt need to pay the balance to close the accountand went through the process to submit the payment. 

Today, I received four separate emails showing that the {$250.00} payment was applied to four different Capital One credit card accounts. Thats over {$1000.00} in paymentswhen I only authorized one. I can not afford that this month. 

I called customer service, and the only solution offeredafter being told I somehow submitted four individual payments myselfwas to reverse the payments and send me checks in the mail. My browser history clearly shows I submitted a single {$250.00} payment. This is a technical error on Capital Ones end. 

I want the {$750.00} credited back to my checking account immediatelynot mailed to me by check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to make my car loan payment on XXXX XXXXXXXX XXXX  website, but encountered multiple system issues. At first, I logged in with my existing XXXX account, since I already had XXXX from my previous vehicle. That account still showed my old car, which had already been paid off and returned to XXXX. I tried to add my new vehicle to the account, but the system would not allow me to update it right away. 
Since my payment was due that day, I had no choice but to create a brand new account using a different email address. I entered my full bank account number accurately and double-checked everything multiple times before submitting. 
Later, I received a notice that my payment had been returned. I called customer service, and the representative informed me that only the last XXXX digits of my bank account number were saved in the system. That's how I found out about the issue- I did not make this mistake. 
After that call, I logged back into my new account and saw that only XXXX digits of my account number were actually saved. I tried to re-enter the full number, but the system gave me an error message and would not allow me to save it. 
Because the system would not accept my bank account, I had to pay using my debit card. As a result, I was charged an {$18.00} processing fee on top of my regular payment. 
Now, I see that XXXX XXXX has also charged me an additional {$15.00} fee, even though I made the payment on time and only used a debit card because of their system issues. 
In total, I have paid {$33.00} more due to XXXX XXXX 's technical failures. This is unfair and not my fault.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

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 2025-08-07 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: Upstart Holdings, Inc.
State: RI

Complaint narrative:
reviewed my credit reports from XXXX XXXX XXXX XXXX and noticed that you, UPSTART XXXXTWORK INCXXXX, have furnished account XXXXXXXX XXXX XXXX XXXX  as both a charge-off and a collection. That is incorrect and misleading. An account can not legally be reported as a charge-off and a collection at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have called to 3 major Credit Bureaus. Disputed on time when i saw the fraudulent moves in my credit file. Unfortunately, some of them customer service is located in XXXX and they didn't care what i was saying and hanged up the phone on me after waiting almost 2hours to get a hold of somebody! The others told me they will take action and remove it but NONE of them did their job properly. Equifax is the worst of them ... unbelievable bad customer service, not reach able at all!! 

I have attached for EVERY Credit Bureaus brief letter and FTC reports for you to review. Each Bureaus file will be separately uploaded with you. Please see attached files. Thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes 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
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, the XXXX  company notified me that both my XXXX  and XXXX  accounts were suspended. I replied immediately and complied with all requests and sent all requested information to " REINSTATE '' my account. I received another email that confirmed that XXXX had reinstated my account and would be available in XXXX hrs. At about XXXX I contacted XXXX  to verify my accounts WOULD be reinstated and was told " ACCOUNTS WILL BE REINSTATED BY THE END OF BUSINESS DAY TODAY '' they also added that it was WEST COAST time. 

As of XX/XX/XXXX @ XXXX XXXX XXXX time, my accounts are still suspended. This is a breach of verbal/writen contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Kikoff Inc.
State: AL

Complaint narrative:
I am filing a complaint against Kikoff Lending LLC for continuing to report a XXXX late payment from XX/XX/year> on my credit report without proper verification. 

I submitted a formal dispute through XXXX  and later submitted a Method of Verification ( MOV ) request, as allowed under FCRA 611, asking Kikoff to provide documentation showing how they verified the late payment. They failed to provide the requested verification or explain how the late mark was confirmed.

I also submitted a goodwill request directly to Kikoff, which was denied. Despite my account being paid in full and closed in good standing, they continue to report this negative mark. 

This inaccurate and unverified information is harming my creditworthiness. I am requesting the CFPB to investigate and require Kikoff to either : Provide full documentation showing how the late payment was verified Or remove the late payment from my credit report in accordance with the Fair Credit Reporting Act. 

Supporting documents, including my MOV request, dispute results, and correspondence, are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
Dispute of Inaccurate Charge-Off Reporting. 
Account with XXXX XXXX . 
The charge-off status is being inaccurately reported as continuing through XXXX, when the account was charged off in XX/XX/XXXX, and no payments or updates have occurred since. This misrepresents the status and delinquency timeline and creates the false appearance of a recent or active derogatory status.

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 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-07 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: WA

Complaint narrative:
Dear Credit Reporting Agency, I am writing to formally dispute the accuracy and validity of several items listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I respectfully request that you investigate and remove the following inaccurate, unverifiable, or outdated accounts from my credit report immediately. 

The accounts in question are : XXXX XXXX XXXX Account Number : XXXX Type : Collection Account Balance : {$110.00} Date Opened : XX/XX/year> Dispute Reason : I do not recognize this account. Please provide complete verification including original creditor, signed contract, and payment history. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Type : Open Account Balance : {$1900.00} Date Opened : XX/XX/year> Dispute Reason : This account is being reported inaccurately and XXXX be a result of identity theft or error. I request full validation. 
XXXX. XXXX XXXX XXXX Account Number : XXXX Type : Collection Account Balance : {$150.00} Date Opened : XXXX ( Incomplete date ) Dispute Reason : This debt is not valid or verifiable. I request full validation or immediate removal. 
XXXX XXXX XXXX XXXX Account Number : XXXX Type : [ Unknown Please Specify if Collection or Installment ] Dispute Reason : This item is inaccurately reported. I request detailed documentation and validation per FCRA standards. 



These accounts are either not mine, inaccurately reported, unverifiable, or are a result of error or fraud. Please complete a full investigation and provide me with written proof of your findings and actions taken. If you can not verify the accuracy of these accounts within 30 days, they must be deleted from my credit file, IMMEDIATELY! 



Please confirm in writing that the investigation has been completed and that any necessary deletions or corrections have been made. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: OH

Complaint narrative:
A collection account from TEKCOLLECT was added to my credit report on XX/XX/XXXX, for a debt related to XXXX in the amount of {$2000.00}. 

This debt was incurred before XXXX filed for XXXX  XXXX bankruptcy on XX/XX/XXXX. I received my aligners on XX/XX/XXXX, as confirmed by documentation from XXXX. 

Because the account originated prior to the bankruptcy filing, it is considered pre-petition debt, and collection or reporting of this account after the bankruptcy filing date is prohibited by the automatic stay under bankruptcy law. 

Despite this, the account was reported to the credit bureaus in XXXX. I am requesting that this collection entry be removed from my credit report, as it appears to be in violation of federal bankruptcy protection rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/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 non-monetary relief
Consumer complaint received 2025-08-07 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:
I am submitting a follow-up complaint regarding the inaccurate and unauthorized items currently appearing on my credit report. To date, I have not received proper validation or verification of the alleged debt. Furthermore, I dispute the accuracy of the reported amount. I respectfully request that a full reinvestigation be conducted. If the account can not be fully substantiated with proper documentation and verified proof of ownership, I am requesting its immediate removal from my credit report. Please provide written confirmation of the results of your investigation. 
Thank you for your prompt attention to this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a follow-up complaint regarding the inaccurate and unauthorized items currently appearing on my credit report. To date, I have not received proper validation or verification of the alleged debt. Furthermore, I dispute the accuracy of the reported amount. I respectfully request that a full reinvestigation be conducted. If the account can not be fully substantiated with proper documentation and verified proof of ownership, I am requesting its immediate removal from my credit report. Please provide written confirmation of the results of your investigation. 
Thank you for your prompt attention to this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4200.00} ; 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