vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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:
account ending XXXX I am contacting you all because I encountered a problem when making a payment intended for the month of XX/XX/2025, but the payment was applied to the month of XXXX as an additional payment. This payment was intended as an early payment for the month of XX/XX/2025 and as such it was misapplied. This confusion centers around the timing and application of the payment, but can be easily corrected internally. 

I have attempted to resolve this matter on several occasions ; I spoke with XXXX on XX/XX/2025 and although we were able to get the late fee reversed, XXXX refused to remove the flag of One-time Courtesy Waiver from my account. The payment is not late it is early and so the one-time courtesy does not apply. 

I spoke with XXXX on today XX/XX/2025 in regards to the same and she refused to make the adjustment to my account. XXXX passed me over to XXXX who again refused to remove this flag from my account. reverse my account XXXX on XX/XX/2025 XXXX and XXXX on XX/XX/2025 Issues and concerns to be corrected are as follows XXXX ) Late fee of {$28.00} has already been taken care of XXXX ) Payment made on XX/XX/2025 for the month of XX/XX/XXXX ) Payment made on XX/XX/2025 for the month of XXXX was applied to the month of XX/XX/XXXX ) I requested to have a one-time courtesy waiver of late fee removed and I was told that the request could not be accommodated. 
XXXX ) Capital One continues to inundate me with harassing phone calls, texts and emails about my account being past due. As I have said so many times before now, My account is not past due and if you would take a look at my payment history you will see that I always pay on time or before time, but never late. 

The simple corrective measure would be to reverse the {$50.00} payment that was erroneously applied to the month of XX/XX/2025 on XX/XX/2025. This amount should have been applied to the month of XXXX. 

For your convenience, review and consideration I have attached statement excerpts with highlights of the transactions of concern. This is an extremely simple fix that has unnecessarily consumed valuable time, so please give this matter the attention it deserves and have the requisite adjustment made to my account so we can get back on a track of consistency as we have for so many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX have reported false and misleading information regarding my account AFFIRM INC XXXX with a high balance of {$0.00}, opened on XX/XX/year>, and marked inaccurately as a late payment. This information is factually impossible and clearly unverified, as an account showing a XXXX balance can not simultaneously be reported as late. The appearance of this false payment history constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in all reported information. Furthermore, this reporting violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly or negligently supplying inaccurate data to consumer reporting agencies. Despite my dispute, the false late payment notation remains on my file, demonstrating XXXX XXXX  and XXXX failure to perform a proper reinvestigation as required by FCRA 611 ( a ) ( 1 ) ( A ). This error has negatively affected my creditworthiness and caused unjust damage to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

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. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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. Code 1692e ) 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 explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX Date : XX/XX/XXXX Subject : Request for Correction of Inaccurate Payment Reporting I am writing to respectfully request a review and correction of certain late payment notations that appear to be inaccurately reported on my credit profile. I take great pride in maintaining a strong payment history and have always made it a priority to meet all financial obligations in a timely manner. 

Upon reviewing my credit report, I noticed XXXX discrepancies that I would like to bring to your attention : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX ) This account is inaccurately marked as late. I made my XX/XX/XXXX and XX/XX/XXXX payments on time, and the account has since been paid off in full. I kindly ask that this record be updated to accurately reflect an on-time payment history that has never been late an account is paid off. 
XXXX. Covington Credit ( XX/XX/XXXX ) This account is also showing a late payment ; however the payments have never been late my records indicate that the XX/XX/XXXX payment was made promptly and should be reported as Paid on Time. 

These discrepancies do not reflect my true payment behavior, and I believe they may have resulted from a reporting or system error. I respectfully request that both accounts be reviewed and corrected to show an accurate payment history. 

I appreciate your attention to this matter and kindly ask that an updated report be furnished to the credit bureaus once the corrections are made. Thank you for your time and understanding. I value the relationship Ive built with your institutions and look forward to seeing these matters resolved accurately and promptly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Email : XXXX Date : XX/XX/year> Credence Resource XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by Credence Resource. This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
To Whom It May Concern : Under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting a detailed description of the procedure used to determine the accuracy and completeness of the information I previously disputed. I would like to know the verification method, the documents reviewed, and the name, address, and telephone number of each person or entity contacted during your investigation. 
This request concerns the following disputed account : 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  Thank you for your attention. I look forward to your written response within the time frame allowed by law. 
Sincerely

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 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Mercari, Inc.
State: OR

Complaint narrative:
I sold an item on Mercari using their prepaid shipping label, which included both XXXX and USPS tracking numbers. I shipped within Mercaris 3-day window. USPS later confirmed by phone that the label was flagged as counterfeit because Mercaris postage was never paidnot because I used the wrong carrier. USPS also confirmed I can not reroute the package. Mercari closed my case multiple times and denied reimbursement under seller protection. I followed all policies and request full reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX, XXXX  Equifax. XXXX Account Number : XXXX To Whom It May Concern, XXXX XX/XX/year> I am writing to dispute the reporting of late payments on the above-referenced account. 
This account has never been late, and I request that you update your records and the credit bureaus to reflect an accurate and positive payment history. 
Please investigate this matter and provide written confirmation once the corrections have been made. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2025-10-30 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: MO

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 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 2025-10-30 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: MO

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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OR

Complaint narrative:
I went in person to a local US Bank branch on XXXX to make my XXXX credit card payment. I wrote a check for {$200.00} to be applied as more than the minimum amount due. The teller posted the payment wrong, for only {$200.00}. When I saw this online on XXXX I reached out immediately via CHAT and was told by that representative that I need to go in person to the branch that I made my payment at to resolve the issue. I called the branch that I made my payment at in person, and explianed that my XXXX Payment was posted wrong, it only posted for {$200.00} and not the {$200.00} that I wrote my check for. The person on the phone agreed with me, and said to give it a few days, and the correct amount would be posted to my account. It's been nearly 10 days since I called and nothing, no correction of error by the teller.

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 2025-10-30 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: TX

Complaint narrative:
I am submitting this complaint because my Equifax credit report may contain entries that are inaccurate or unverifiable. I am requesting a full reinvestigation under FCRA 611. 

Charged-Off Accounts in Dispute XXXX XXXX  XXXX XX/XX/year> {$1400.00} Please verify this account with the original creditor. Remove it if it can not be verified. 

Inquiries in Dispute There are currently no inquiries in dispute with Equifax. 

Late Payments XXXX XXXX XXXX Please verify this late payment. Remove or correct it if it can not be verified. 

There are currently no positive accounts in dispute with Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
A charged-off account that had previously been deleted from my credit report has been reinserted without proper notice or verification. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to notify me within five business days after reinserting any previously deleted information. I did not receive any such notice. This reinsertion has negatively affected my credit score and caused confusion regarding the status and validity of the account.

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 2025-10-30 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Date of inquiry XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Date of inquiry 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