vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-06-26 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MO

Complaint narrative:
b"To:XXXXEquifax\XXXX XXXX XXXX  GA XXXXExperianXXXX XXXX XXXX TX XXXXTransUnionXXXX XXXXXXXX XXXXXXXXXXXX  PA XXXXSubject: Formal Request for Removal of Fraudulent XXXX XXXX XXXX XXXX  FCRA  605B Compliance\n\nDear Credit Bureau Representative,\n\nI am writing to formally dispute the continued reporting of fraudulent account  associated with my XXXX XXXX XXXX XXXX (Account Number: XXXX XXXX XXXX XXXX) on my credit report.\n\nWhile this account was legitimately opened by me, an unknown individual fraudulently obtained and used my credit card information to make unauthorized charges. Upon discovering this suspicious activity, I immediately reported the matter to XXXX They closed the compromised account and issued a new credit card with a new account number to prevent further unauthorized use.\n\nDespite these actions, I have noticed that the credit bureaus continue to report this account's  information on my credit report. This is both inaccurate and damaging, and it violates my rights under the Fair Credit Reporting Act (FCRA).\n\nIn particular, FCRA Section 605B (15 U.S. Code  1681c2) requires credit reporting agencies to block information resulting from identity theft or unauthorized use within four business days of receiving proper notification. As I have already reported this fraud to the creditor, and I am now notifying you, the bureaus are legally obligated to block the fraudulent data from my report immediately, pending investigation.\n\nAllowing this account to remain unchanged on my credit report during your review process is not only a violation of the FCRA but can also expose your agency to civil liability, including:\n\nStatutory damages under 15 U.S. Code  1681n,\n\nActual damages and attorneys' fees under  1681o,\n\nAnd possible punitive damages for willful noncompliance.\n\nI am enclosing documentation, including a copy of my government-issued ID, proof of residence, and guidelines from the CFPB regarding FCRA Section 605B, which provide further instruction on your obligations when a consumer reports fraudulent use of their credit information.\n\nI formally demand the following:\n\nImmediate removal of the fraudulent XXXX XXXX XXXX XXXX  (No. XXXX XXXX XXXX XXXX).as stipulated by law this account must me blocked and or removed within 4 business days of been notified.\n\nWritten confirmation that the fraudulent data has been blocked or removed.\n\nAn updated copy of my credit report showing the correction.\n\nI trust that you will treat this matter with the seriousness and urgency it deserves and respond in full within the 4 business days  time frame established by federal law.\n\nSincerelyXXXX XXXX XXXX XXXX XXXX MO XXXXEnclosures:\n\nCopy of Government-Issued ID\n\nProof of Address\n\nCFPB Guidelines: FCRA  605B"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint regarding a late payment reported by Capital One Financial Corporation on my Spark Business credit card account ending in XXXX for the payment due on XX/XX/year>. This derogatory mark was caused by a failure in Capital Ones automatic payment system, despite the fact that I had autopay enabled and sufficient funds in my account. It does not reflect a missed payment due to negligence on my part. 

I have been a loyal Capital One customer for over five years with a perfect payment history prior to this isolated incident. I had autopay enabled specifically to avoid this type of issue. Unfortunately, Capital Ones system failed to process the payment and did not notify me of the failure. Upon discovering the problem during a regular account review, I immediately paid the full amount.

At the time, I had over {$9000.00} available in my linked bank account ( documentation provided to Capital One ), clearly demonstrating that this was not a result of insufficient funds but a technical failure in Capital Ones systems. I have submitted multiple goodwill adjustment requests directly to Capital One, and my legal counsel has also contacted them to formally dispute the reporting. Additionally, I submitted disputes to the major credit bureaus, but Capital One continues to verify the late payment.

As a result of this erroneous report, my credit score has dropped from XXXX to XXXX, a dramatic and damaging decline. This is especially harmful as I am currently under contract to purchase a home, and this single late payment is jeopardizing my ability to close on the mortgage. If this mark is not removed promptly, it will either prevent me from purchasing the home altogether or force me into a substantially higher interest rate, potentially costing me hundreds of thousands of dollars over the life of the loan. 

I am requesting that the CFPB investigate this matter and compel Capital One to remove the inaccurate late payment from my credit report based on the following facts : I had autopay properly set up The payment failed through no fault of my own I had sufficient funds in my account I acted immediately upon discovering the issue This is the only late payment on an otherwise spotless history I respectfully ask for your urgent assistance. This one technical errorentirely outside of my controlis inflicting severe and disproportionate damage to my credit profile, my business, and now my ability to secure stable housing for my family. I believe it is both reasonable and just that Capital One be required to take responsibility for the systemic failure that caused this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX - {$300.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
I am writing to follow up on my previous letters regarding the removal of fraudulent acccounts from my credit report. I am once again requesting that Equifax, credit bureaus remove all fraudulent accounts as required by law, as stated in my identity theft report. Please review the listed fraudulent accounts that I would like to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have a charge off with XXXX XXXX and XXXX XXXX reported incorrectly the amount of time that it was behind. When I asked their XXXX automated chat bot to speak to a human being. XXXX gave me the information that there are no human beings to discuss this with And everything is automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: PA

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 XXXX. The XXXX and XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NV

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. XXXX XXXX I requested an investigation because I felt the item was not being reported legally. XXXX XXXX XXXX ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXXi ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. CXXXXe XXXXe ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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 am submitting this complaint regarding a fraudulent auto account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit file. I am the documented victim of identity theft, as evidenced by FTC Identity Theft Report XXXX. XXXX, filed and signed under penalty of perjury on XX/XX/XXXX. 

I never applied for, opened, or authorized this account. The fraudulent activity began in XX/XX/XXXX, and I discovered it in XX/XX/XXXX. This account was opened and used without my knowledge or consent. Under 15 U.S.C. 1681b ( 2 ), it is unlawful to obtain or use my credit information without my informed consent. The presence of this account violates my rights under 15 U.S.C. 1681a ( 4 ) and must be treated as a violation of the Fair Credit Reporting Act ( FCRA ) and my right to financial privacy. 

I formally requested that this account be deleted or blocked from my credit file in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that identity theft-related information be removed once a valid identity theft report is submitted. Despite this, the fraudulent account remains, causing serious harm to my creditworthiness. 

This continued reporting constitutes a willful failure to comply with federal law, and I am requesting immediate regulatory intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX bankruptcy case, indicating their belief that XXXX may have violated the Consumer Financial Protection Act. I am writing providing my personal statement regarding the financial and emotional harms I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and XXXX XXXX 

I was a customer of Juno which used XXXX XXXXXXXX XXXX to facilitate banking services. My account was held at XXXX XXXX XXXX XXXX  and was frozen on or around XX/XX/year>, without warning. 

When my account was frozen, I had {$14000.00} in the account. Since then, I have recovered {$1900.00}, leaving {$12000.00} still inaccessible over a year later. 

The freezing of my funds created significant frustration and hardship. The money I saved at Juno was meant to cover college tuition payments for my son 's XXXX year of college. Without access to these funds I needed to take a personal loan at a high interest rate to cover his tuition payment. I'm still paying off this loan and interest today. 

I am not a venture capitalist, institutional investor, or risk takerI am a retail consumer who trusted a financial product that was marketed as safe * and * FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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 TILA US CXXXXe XXXXB since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
After carefully reviewing my credit report, I identified several accounts that I did not open, authorize, or apply for. Further investigation revealed that my personal information was compromised in multiple data breaches, which may have led to the fraudulent use of my identity.

I have no recollection of initiating any of the accounts in question. These accounts are inaccurately reporting under my name and are negatively impacting my credit profile. Pursuant to 15 U.S.C. 1681c-2, any fraudulent accounts resulting from identity theftwithout my authorization or any signed contractmust be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request.

These accounts are not only harming my credit standing but are also causing undue emotional distress. I have no affiliation or responsibility for them and urgently demand their immediate removal to prevent further damage to my financial health.

Company response to consumer: Closed with non-monetary relief