vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
As of XX/XX/year>, there was a transaction of {$1200.00}. 
Taken off my bank account. 
From budget rental, I returned a rental car back early as of XX/XX/year> i then was contacted by the rental company budget stating.I would receive a refund of XXXX dollars the fonts was processed immediately.I never received any moneys at all.I then contacted the bank.They told me they did not receive the monies.I filed a dispute with the bank about my funds.I also contacted budget rental.They then proceeded, had a conference call with each other.While I was on the line, there was numbers exchange far as fax numbers.Budget then proceeded to facts over the processing of my refund again in the amount of 526.00 dollars i then did not receive it at all.As of XX/XX/year> eye contacted budget rental again.Budget rental proceeded to send my funds again in the amount of XXXX i did not receive that at all then.As of XX/XX/year> there was a conference call with budget rental and capital.One, my bank words were exchanged.Fax number was exchanged from my bank to budget rental.They stated again XXXX business days.Your funds will be on your card.I didn't hear from nothing.I called later on in the day just to see that they receive any facts from budget rental.It 's been a whole month.I have not received my refund.No, one seems to know at capitalOne where my refund is

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-23 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: NV

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding multiple inaccuracies and discrepancies that have appeared on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I identified several issues that I am disputing, and I request a thorough investigation and correction of these errors. 
First, I have found that my name is inaccurately listed as XXXX XXXX XXXX, which is incorrect. This name does not reflect my true legal name, and I request that this incorrect name be removed or corrected to reflect my actual name. Additionally, I dispute several addresses listed on my credit file. The addresses 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 are not associated with me, or are outdated. If these addresses can not be verified or substantiated, I request that they be removed from my credit report. 
Furthermore, there are collection accounts listed that I dispute. The accounts from XXXX XXXX ( original creditor XXXX XXXX, balance : {$1800.00} ) and XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX, balance : {$570.00} ) are being reported on my credit file. I am requesting that these accounts be fully verified, including proper documentation proving the debt and its ownership. If these accounts can not be validated, I respectfully request that they be removed from my credit report. 
Additionally, I dispute a reported repossession from XXXX XXXX ( balance : {$110000.00} ). I request that this repossession be investigated, and that XXXX XXXX provide full documentation verifying the repossession, including the reason for repossession and the remaining balance. If this information can not be substantiated, I request that this repossession be removed from my credit report. 
Lastly, I have noticed several unauthorized hard inquiries on my credit report, specifically from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I dispute the validity of these inquiries and request that they be verified to ensure they were authorized by me. If they can not be verified as authorized, I request that these inquiries be removed from my credit report.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I am a victim of identity theft. I have disputed this account with this bureau in the past. And without proper investigation, they have auto validated the account in question being reported on my credit report. This negligence is and has caused me harm in multiple ways. Please see attached FTC report along with dispute letter and other documents.

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 2025-09-23 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report that I believe are inaccurate, duplicative, or unverifiable. There appear to be duplicate entries related to the same debts, including two accounts reported by the same debt collector under slightly different dates and original creditor names. Additionally, there are multiple listings from the same collection agency with identical account numbers and balances, which may result in misleading and unfair negative impact on my credit. I have also identified at least one account that I do not recognize and have never received any form of communication or debt validation regarding. Despite my efforts to resolve these issues directly with the credit bureaus and data furnishers, the information remains unresolved and continues to report inaccurately. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverified information, and I am requesting the CFPBs assistance in ensuring a proper reinvestigation is conducted. I ask that any account that can not be verified with complete and accurate documentation be removed, and that any duplicates be corrected to reflect a single, accurate entry. I am also requesting that these disputed accounts be properly labeled during the investigation process. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX XXXX  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 2025-09-23 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: GA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report that I believe are inaccurate, duplicative, or unverifiable. There appear to be duplicate entries related to the same debts, including two accounts reported by the same debt collector under slightly different dates and original creditor names. Additionally, there are multiple listings from the same collection agency with identical account numbers and balances, which may result in misleading and unfair negative impact on my credit. I have also identified at least one account that I do not recognize and have never received any form of communication or debt validation regarding. Despite my efforts to resolve these issues directly with the credit bureaus and data furnishers, the information remains unresolved and continues to report inaccurately. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unverified information, and I am requesting the CFPBs assistance in ensuring a proper reinvestigation is conducted. I ask that any account that can not be verified with complete and accurate documentation be removed, and that any duplicates be corrected to reflect a single, accurate entry. I am also requesting that these disputed accounts be properly labeled during the investigation process. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$730.00} Date Opened : XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$950.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$730.00} Date Opened : XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I financed a bundled package which included a ( flight + hotel ). 

Only the flight processed, but Uplift is still charging me for the full loan. 

I am being billed for a service ( hotel ) that was never delivered. 

Attempts to resolve with XXXX, XXXX, and Uplift have failed. 

I want the loan corrected or canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: FL

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-23 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: FL

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 IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I was told when signing up for this card that when the 24 months promotion period was over, I would start accruing interest from then on out - I didnt know that this was a deferent interest. 
When I called them, they said we sent you statements that stated everything. Was away from my residence for a couple of months due to some personal difficulties so I didnt have access to my mail and I knew I was enrolled in auto payment so I wasnt worried about it, sine XXXX thought I understood the terms. 
On XX/XX/XXXX promotion expired retroactive interest charges applied in excess of original purchase balance. Disclosures were unclear, and payments were being made. I feel like I am being taken advantage of and this feels predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: AL

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/2022 Balance : {$0.00} Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/2022 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I submitted a complaint to Bank of America whom I held a business checking account with for over 10 years. The complaint was about XXXX which caused my business to lose a large sum of money nearly {$10000.00} in total. I was told by my Business Banking Manager that my account would not be affected if I file claims for product never received yet paid in full. Unfortunately, this wasn't the case. This is the second complaint, the first complaint was dismissed entirely. Bank of America did nothing accept deny and no explanation what so ever. My entire business was affected. I had to lay off employees. As a result of Bank of America closing my business account and freezing my funds, I could not keep my business open. I have not been able to pay my business related expenses. This is unlawful not to mention nefarious. CFPB despite asking BoF to contact me, they did not. I was left hung out to dry with no help whats so ever.

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 monetary relief
Consumer complaint received 2025-09-23 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: AR

Complaint narrative:
I am sending as a consumer who has carefully reviewed my credit report and identified inaccurate reporting that is harming my financial standing. Under the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e ( b ) and 1681i, I have the right to dispute inaccurate information and to have disputed accounts reinvestigated to ensure maximum possible accuracy. The information I am disputing is detailed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} These reporting errors are severely damaging my creditworthiness by painting a false picture of me as a consumer who does not pay obligations on time. In reality, I have always managed my accounts responsibly, paid my balances as agreed, and maintained a strong record of on-time payments. 
Because these false late payments lower my credit score and negatively affect my ability to obtain credit, they must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint because the XXXX major credit bureaus have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in connection with my disputes of inaccurate, outdated, and unverifiable information on my credit file. 

I recently obtained my credit report from XXXX and found numerous errors. Since then, I have submitted a formal dispute with proper documentation, but the bureaus have not corrected or deleted the inaccurate data, nor have they provided a full and proper method of verification. 

Disputed Information Includes Incorrect previous addresses ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX, XXXX, MI XXXX ). 

Incorrect employers ( XXXX XXXXXXXX XXXX ). 

An unauthorized inquiry from XXXX XXXX ( XX/XX/year> ). 

Multiple collections, charge-offs, and late payments from creditors such as 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 

These items are being reported inaccurately and/or can not be verified as required by law. 

FCRA Violations by the XXXX 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification, including documentation relied upon.

15 U.S.C. 1681g : Failure to provide full file disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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 a victim of identity theft. I have disputed this account with this bureau in the past. And without proper investigation, they have auto validated the account in question being reported on my credit report. This negligence is and has caused me harm in multiple ways. Please see attached FTC report along with dispute letter and other documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received an email on XX/XX/year>, stating that I had an inquiry on my credit. When I checked my XXXX  account, I noticed that this new inquiry was for a Capital One credit card. I called Capital One and requested an investigation into this matter, as I had not applied for the credit card. I do not know for how much they opened this credit card.

Company response to consumer: Closed with non-monetary relief