vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: Automotive Funding Group, Inc
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified credit reporting related to a XXXX XXXX XXXX account being reported by XXXX XXXX. The account contains material errors and violations of federal credit reporting and debt collection laws. Despite disputing the account, the information continues to be reported inaccurately on my XXXX  credit report. 



Account Details ( as reported ) Original Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Account Type : Cable/Cellular Amount Reported : {$240.00} Date Assigned to Collections : XX/XX/XXXX Date Reported/Updated : XX/XX/XXXX Account Status : Unpaid Comments : Consumer disputes this account information Specific Errors Being Disputed 1. Missing Date of First Delinquency ( DOFD ) The account does not list a Date of First Delinquency, which is required to determine the accurate reporting period. Reporting a collection without a DOFD is incomplete and misleading.

2. Inaccurate and Improper Re-aging The account shows recent reporting and status dates ( XX/XX/XXXX ) despite being assigned to collections in XXXX. Updating the status date without disclosing the true DOFD unlawfully re-ages the account. 
3. Failure to Provide Verification of the Debt I disputed this account and requested validation. The collection agency has not provided competent evidence that : I owe this debt The amount is accurate They have authority to collect The debt was legally assigned 4. Continued Reporting During an Active Dispute The account is marked as disputed, yet inaccurate and incomplete information continues to be furnished without proper investigation.

5. Incomplete and Misleading Reporting The credit report lacks essential information, including the date of last payment and DOFD, making the tradeline unverifiable.

Laws and Regulations Violated Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Duty to correct and update inaccurate information 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after dispute 15 U.S.C. 1681c ( a ) ( 4 ) : Improper re-aging of a collection account 15 U.S.C. 1681e ( b ) : Failure to maintain maximum possible accuracy Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e : False, deceptive, or misleading representations 15 U.S.C. 1692e ( 2 ) ( A ) : Misrepresentation of the character or amount of the debt 15 U.S.C. 1692g ( b ) : Failure to cease collection and provide validation after dispute Harm Caused The inaccurate reporting of this collection account has caused damage to my credit profile, lowered my credit score, and negatively affected my ability to obtain credit at fair terms.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: OH

Complaint narrative:
Company : XXXX Account Number : XXXXXXXX XXXX XXXX  I am filing this complaint because XXXX continues to report a collection account to XXXX, XXXX, and XXXX  without providing proper validation, despite this being my third written dispute. 

Summary of the Issue I have repeatedly requested full validation of this alleged debt. XXXX has not provided documentation required under the FDCPA or FCRA, yet continues to report the account. Ongoing reporting without validation is unlawful. 

Inaccurate and Inconsistent Credit Reporting XXXX is reporting conflicting and inaccurate information across the credit bureaus, including : Dispute Status XXXX and XXXX  report the account as not disputed XXXX  reports the account as disputed Original Creditor Name Reported differently on each bureau ( variations of XXXX XXXXXXXX XXXX XXXXXXXX, including an incomplete name on XXXX  ) Account Dates Different dates for account opening, last activity, and date reported across all three bureaus Account Status and Remarks Conflicting remarks such as disputed, not disputed, collection/chargeoff, and subject has not satisfied debt These inconsistencies show the information being furnished is not accurate, complete, or reliable, in violation of the FCRA. 

Failure to Provide Required Validation XXXX has never provided : A signed contract or service agreement Billing statements or itemized charges Proof the debt belongs to me Proof of assignment or ownership Documentation showing legal authority to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Bank Name : Sofi Bank Account type : [ Checking/Savings ] Issue Type : Unauthorized Transfer/Fraud ( Caller ID Spoofing ) Description : On [ XX/XX/year> ], I was targeted by a sophisticated phone scam. The callers spoofed SoFis official number, repeatedly called me, and kept me on the line while attempting to transfer funds from my account to an account under the name XXXX XXXX. Part of my school refund was stolen, which I planned to use for textbooks next semester. I had to block the scam number due to repeated harassment. 

I immediately filed a fraud claim with SoFi, which was denied, and I submitted an appeal on [ date ]. When I called today to check, I was told it would take two business days to get a response. 

I have attached evidence, including : Screenshots of text messages containing fake verification codes sent by scammers Proof of caller ID spoofing ( scammer number showing as SoFi ) Call log showing the real SoFi number appearing as unknown This was deliberate fraud, not a mistake on my part. The denial and delay have caused immediate financial hardship, as I need access to my account for bills and essential living expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: SC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: CO

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 2025-12-16 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: CO

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 2025-12-16 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: MS

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 2025-12-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to dispute inaccurate information regarding the following accounts on my credit reports with Experian. I am requesting that these accounts be reviewed and corrected per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late Payment Accounts : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiries XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
On XX/XX/year> at around XXXX XXXX, my phone and my wallet with all my personal information including my credit cards and ID got stolen. I did already file a police report but charges have been getting made to my cards since the incident. I immediately called capital one to let them know and have it resolved. I can't get access to the charges that have been made, and request further information to dispute the fraudulent charges. They are very adamant on me giving them my ID for authorization, along with my phone number for a code which I don't have access to any of that. I asked if providing my case number with the police can grant me access but they still are refusing. This is already a stressful issue as it is, and it's frustrating having to go through these loop holes just to make sure my credit card doesn't run up anymore, and my credit stops getting messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Credit Grantor : XXXX XXXX XXXX  XXXX Credit Bureau : TransUnion Account Opened : XX/XX/XXXX Reported Balance : {$6900.00} Coverage Period : XX/XX/XXXX XX/XX/XXXX The tradeline for XXXX XXXX XXXX  XXXX was opened on XX/XX/XXXX with a reported balance of {$6900.00} covering the period XX/XX/XXXX XX/XX/XXXX. I was unemployed from XX/XX/XXXX due to COVID-19, as my company laid everyone off and there was no work. I notified the apartment complex in XX/XX/XXXX of my financial hardship and applied for rental assistance in XX/XX/XXXX, but I was placed on a waitlist, and the application was not processed in time. I was XXXX in XX/XX/XXXX. Despite these circumstances, the apartment complex reported a balance on my TransUnion credit report for rent during the months of the federally protected eviction moratorium. 

I requested verification and correction of the account from XXXX XXXX XXXX XXXXXXXX, but it remains inaccurately reported. The reported balance does not reflect the legal protections in place at the time. I am requesting that this tradeline be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Credit Grantor : XXXX XXXX XXXX  XXXX Credit Bureau : TransUnion Account Opened : XX/XX/XXXX Reported Balance : {$6900.00} Coverage Period : XX/XX/XXXX XX/XX/XXXX The tradeline for XXXX XXXX XXXX  XXXX was opened on XX/XX/XXXX with a reported balance of {$6900.00} covering the period XX/XX/XXXX XX/XX/XXXX. I was unemployed from XX/XX/XXXX due to COVID-19, as my company laid everyone off and there was no work. I notified the apartment complex in XX/XX/XXXX of my financial hardship and applied for rental assistance in XX/XX/XXXX, but I was placed on a waitlist, and the application was not processed in time. I was XXXX in XX/XX/XXXX. Despite these circumstances, the apartment complex reported a balance on my TransUnion credit report for rent during the months of the federally protected eviction moratorium. 

I requested verification and correction of the account from XXXX XXXX XXXX XXXXXXXX, but it remains inaccurately reported. The reported balance does not reflect the legal protections in place at the time. I am requesting that this tradeline be deleted.

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I used XXXX for years. They changed their name. I could not access the site. I tried numerous times to access, without success. I was charged for 4 months without access. I disputed the charges with Capital One. To the best of my ability, I kept emails and screen shots to show my attempts and presented all to Capital One. One of my complaints with Capital One is that on my hard copy bill, often and in this case, Capital One suggests that I contact the company but the phone number and/or email is not in service. Capital One 's response is that it is not their responsibility to supply accurate contact information. I fiercely dispute this as irresponsible to Customers. The outcome, to date, is that Capital One has told me I haven't fulfilled their requirements to close the case in my benefit. I have asked if Capital One has asked XXXX to show any access of their site by me during the 4 months. No answer from XXXX. Furthermore, I wrote to their Customer Service, Executive Offices via Registered Mail with NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: MI

Complaint narrative:
This account is not mine and has been wrongfully added to my credit report with misleading and incorrect information.

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app randomly deactivated my account for violating their terms of service. They have yet to tell me why. Just saying I violated. So my account is now blocked. I am unable to pay bills. I have money I owe them. And was in the process of doing so. But now Ive had to change all that. So I no longer will be having money sent to that account nor will I be paying them the money I owe until the account is back open. I only used THEIR company cash app. So of coarse it looks like I was doing suspicious activity. Thats the only account I was using financially. There was a lot of transactions being made. I was sending and receiving money. Nothing I have done has been suspicious or fraudulent. Or against the law. Im needing that account to be back open and available or I and them will not be receiving any payments. This has never been an issue for me ever before. They should ask questions to the person of the account before disabling someones account randomly.

Company response to consumer: Closed with explanation