vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am disputing the inaccurate late payment and delinquent status currently being reported on my accounts. These reports are incorrect, as my payment history and original agreements do not support them. I request that the status be changed to Paid as Agreed and that all delinquency notations be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing this complaint because the Department of EducationXXXX XXXX XXXX completely inaccurate late-payment information on my student loans across all three credit bureaus. My credit report shows that my last payment was made in XX/XX/XXXX, and then from XX/XX/XXXX through XX/XX/XXXX you reported XXXX every single month. Then out of nowhere in XX/XX/XXXX you reported a XXXX late to Equifax and XXXX even though you never reported a XXXX late, XXXX late, XXXX late, or any consistent payment history at all. After that, XXXX and XX/XX/XXXX go right back to XXXX, and then in XX/XX/XXXX the account suddenly goes back to paid on time. This makes no sense, and it is factually impossible. You can not claim a 120-day late when you reported no data for seven months straight, provided no payment ledger showing the delinquency, and reported me paid on time both before and after the alleged late period. 
This violates multiple sections of the FCRA because you are not maintaining maximum possible accuracy under 607 ( b ), you failed to properly reinvestigate my dispute under 611 ( a ) ( 1 ) ( A ), and you are reporting information you knowor should knowis inaccurate under 623 ( a ) ( 1 ) ( A ). You also failed to conduct a reasonable investigation under 623 ( b ) because a proper investigation requires an actual payment ledger, communication logs, forbearance or deferment history, and the required 30/60/90-day notices before a 120-day late can even be reported. None of that has been provided. Instead, the same inaccurate data keeps getting confirmed despite the timeline being impossible. I am requesting that these inaccurate late payments be deleted and corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Service International Corp
State: TX

Complaint narrative:
collection agency reported that I had not made a payment, even though I made a payment last month and have proof of the receipt. This inaccurate reporting negatively affects my credit. 

Additionally, the agency attempted to call me to collect a payment even though I never gave permission for them to contact me by phone. I did not agree to any phone communication, and their call was unsolicited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Kikoff Inc.
State: DC

Complaint narrative:
They are reporting a and multiple late payments. I was incarcerated during the time the account was allegedly opened. They have not provided any validation. This violates FCRA 602, 607, and 623. I am requesting the CFPB to compel deletion of this account and all related reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
They are reporting a and multiple late payments. I was incarcerated during the time the account was allegedly opened. They have not provided any validation. This violates FCRA 602, 607, and 623. I am requesting the CFPB to compel deletion of this account and all related reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: MA

Complaint narrative:
I am reporting unauthorized use of my personal information that resulted in accounts and activity I did not create or approve.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX my sister ( XXXX XXXX ) sent me {$150.00} from her PNC checking account via XXXX. She sent to my phone number at my XXXX account attached to my XXXX checking account. I received a text saying she sent the money .. but the money never made it to my account. I contacted XXXX... they said they have no record of the transaction & they can't help me. My sister filed a claim with her PNC BANK which was denied because they said it was sent. I have a copy of both our bank statements for that time which only shows the money coming out of her account & never going into mine. I contacted the PNC mgr ( XXXX ) at the local branch where my sister lives & banks and explained the situation. She said she would look into it & get back to me but never has. No one will help me get my {$150.00} XXXX XXXX PNC acct # XXXX Routing # XXXX This happened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV Funding sent an email with all of my personal information including account details, creditor information, and account balances to an unauthorized third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX XXXX. Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ) .. Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX....

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 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: IL

Complaint narrative:
I was contacted by DCM services in XXXX Minnesota on XX/XX/year>, I was told that my brother passed away on XX/XX/XXXX and that I was the next of kin responsible for any financial debt. This caused me and my family great emotional stress to the point that I was hospitalized due to shortness of breath. I was asked numerous personal questions in which I didn't reveal. I felt that this was deceptive and a ploy to get personnel information out of me. I'm asking that you please contact this company or any further actions you can render because I feel they may have broken the law. Sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
Formal Complaint Letter Denial of Service by USAA XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX XXXX Date : XX/XX/year> To Whom It May Concern, I am submitting this complaint regarding USAA Banks improper denial of service and refusal to allow me to open or maintain an account based on what I believe to be incorrect, unverified, or mishandled information in their internal records. 

I attempted to open banking services with USAA. I was informed by the representative that my application was denied due to a fraudulent account previously opened in my name. I explained that : I did not open the alleged fraudulent account. 
USAA provided no documentation, verification, or evidence of the alleged account. 
I was not given any opportunity to dispute or correct the information. 
I was not informed of any rights under FCRA ( Fair Credit Reporting Act ) or ECOA ( Equal Credit Opportunity Act ). 
USAA failed to advise me of any steps to clear my identity or resolve the matter, effectively denying me service without due process. 

This constitutes a denial of service without proper investigation, failure to provide required adverse action notices, and may represent misuse of consumer reports or internal records in violation of federal guidelines.

I am requesting the following : 1. A complete explanation for the denial of service, in writing.

2. All records, notes, and internal reports USAA relied upon in making this determination.

3. Confirmation whether USAA used any consumer reporting agencies ( XXXX, XXXX XXXX XXXX, etc. ) and, if so, the exact information provided. 
4. The opportunity to dispute and correct any inaccurate or fraudulent records associated with my identity.

5. A formal review of my eligibility for USAA membership and banking services once the incorrect information is resolved. 
USAAs refusal to provide service without allowing me to dispute or clear fraudulent activity is both unfair and harmful. I am requesting immediate attention and a written response within 15 business days. 

Thank you for your prompt cooperation

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 2025-11-14 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: 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered several accounts and hard inquiries on my credit report that I did not open, authorize, or recognize. These accounts appear to be tied to identity theft, and my personal information was used without my consent. I also recently learned about a major data breach involving millions of consumers, which makes me even more concerned that my information may have been compromised. When I attempted to address this, the reporting agency continued showing inaccurate information on my file instead of properly blocking or removing it. These errors are harming my credit, causing stress, and putting me at further risk of financial harm.

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 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  XXXX. ACCOUNT : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
ive been waiting 5 months for Capital One to do their investigation and still no answer!!! they tell me the investigation is still on going but dont tell me any issues they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MN

Complaint narrative:
Called n they looked at my account n then try to fix it but dont know if they did or not n said they will issues me my money back but I never got anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I discovered XXXX hard credit inquiries from OneMain Financial on my credit reports dated XX/XX/XXXX and XX/XX/XXXX. I never applied for any loan, credit product, or service with OneMain Financial on or around those dates, nor did I authorize OneMain Financial to pull my credit. I am not aware of any reason why this company would be accessing my credit file. Because I did not request credit from them, these inquiries appear to be unauthorized. This raises serious concerns that someone may be using my personal information without my consent. I am filing this complaint because these inquiries were conducted without my permission and have negatively affected my credit profile. I am requesting that this matter be investigated as possible unauthorized activity or identity misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi there, Im really hoping that you can help me. I have had a Capital One credit card for just over XXXX  years now. I have tried requesting a credit line increase for the past XXXX years as my existing credit line is only {$750.00}. I have always been on top of my finances and have never made a late payment in my life. I follow all the credit bureau guidelines on maintaining a healthy credit score.

One of the key rules is credit card utilization which I always keep below 10 %, this means that for my Capital One card I have a utilization limit of {$75.00}.

I have several other cards with limits ranging from {$4000.00} - {$28000.00} all of which are in very good standing and have never had any late payments ever. 
Today XX/XX/year> at XXXX. I called Capital One to find out why they declined my credit increase request yet again. The representative told me that they dont know why and that I should try again in XXXX months. 
I have been doing this for over XXXX years now, so today I requested to speak with a supervisor. Unfortunately, I did not catch the name of the supervisor but she simply told me that there was nothing she or any person at Capital One could do for me. 
I remained firm but polite and insisted that there has to be something that can be done by someone at Capital One. They were after all the ones that sent me the letter of decline stating that my account is not eligible right now. I asked her what that meant and she did not know. I offered to provide any documentation necessary to prove that I have always paid every bill on time and that all my accounts are in good standing. 
I explained that my credit score is in the XXXX and they simply can not continue to refuse a credit line increase without providing me a reason and explaining to me what I have to do in order to qualify for a credit line increase. She got frustrated with me and put the phone down on me. Extremely rude behavior for a supervisor. 
To summarize. 
What happened : I have been requesting a credit line increase for XXXX  years but denied. 
What a fair resolve would be : I just want them to tell me definitively what I need to do in order to be approved for a credit line increase or simply approve the credit increase. 
What I have done : Applied for a credit increase every XXXX  months as advised by their reps and maintained all my accounts without a single late payment ever. 

I sincerely hope that you are able to advise me on what I can do about this. 

Thanking you kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
unauthorized charges totaling {$950.00} were made on my Bank of America card for purchases in a game called XXXX. 
I did not make or approve these purchases. When I asked the person whose game account was used, they said their account was hacked. 
I contacted XXXX and received an email from them confirming the account was compromised and advising me to contact my bank. 
I reported the fraud to Bank of America, and they gave me a temporary credit of {$950.00} but later said I was responsible for {$670.00} because some charges were too old.

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