vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Capital One, I am writing to respectfully request a goodwill adjustment regarding several late payments that were reported on my account ending in XXXX during a period of financial hardship. 
Background of Circumstances At the time, I was going through significant personal and financial difficulties, which unfortunately caused me to fall behind on my obligations. These hardships were temporary and do not reflect my current financial responsibility. 
Since then, I have turned my situation around. I am now in a stable financial position, have consistently paid on time, and have taken proactive steps such as setting up automatic payments to ensure there are no issues moving forward.

Why I Am Requesting Help I understand that creditors are obligated to report accurate information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). While I do not dispute the accuracy of the late payment history, I am asking for your consideration of a goodwill adjustment.

Capital One has discretion to remove negative entries when a customer has demonstrated improved financial discipline. As a loyal cardholder, I value our relationship and am requesting that discretion be applied in my case.

Late Payment Dates Based on my account statements, the late payments were recorded in the following billing cycles : - XX/XX/XXXX ( due XX/XX/XXXX ) - XX/XX/XXXX ( due XX/XX/XXXX ) - XX/XX/XXXX ( due XX/XX/XXXX ) - XX/XX/XXXX ( due XX/XX/XXXX ) - XX/XX/XXXX ( due XX/XX/XXXX ) - XX/XX/XXXX ( due XXXX XXXX, XXXX ) Current Status Improved Financial Shape As of my most recent statement, I have no revolving balance and am maintaining payments in full and on time. This demonstrates my recovery and commitment to never repeating the past issues. I am in strong financial standing and fully committed to keeping my account in excellent condition. 
Goodwill Request I respectfully request, as a one-time goodwill adjustment, that you remove the above late payment notations from my credit reports. Doing so would help me continue rebuilding my credit health and reinforce the trust I have placed in Capital One as my financial partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The way the review describes my financial views is deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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 do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-09-19 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: TX

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have an annual income of over {$200000.00}, no existing debt other than my mortgage, for which I have nearly 50 % equity, and a credit card that I pay in full every month. I also have an XXXX XXXX XXXX. I was given a {$500.00} credit line, which is the only reason I can see this happening, because I am XXXXXXXX XXXX, and they racially discriminated against me. Citibank only issued {$500.00}, and when I asked, this was their response " We are not credit-trained experts and can not advise on this. You would have to speak directly with the credit bureau agency to truly understand that. We are not a credit agency and can not advise on those specifics. ''

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 2025-09-18 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: VA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached 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 2025-09-19 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: TX

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE EQUIFAX DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that credit. Here is the item I am asking you to verify as accurate : EQUIFAX [ Acct : XXXX ] [ Acct # XXXXXXXX XXXX XXXX XXXX XXXX ] [ Acct : XXXX XXXX ] [ Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX [ Acct : XXXX XXXX XXXX XXXX  ] [ Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct : XXXX XXXX ] [ Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year>, a company by the name XXXX XXXX order took {$310.00} from my account without my authorization. 

I requested information from Bank of America, but they are refusing to tell me who gained access to my 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 explanation
Consumer complaint received 2025-09-19 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: TX

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 2025-09-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT XXXX  INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I XXXX BE FORCED TO TAKE FURTHER ACTION.

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 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp does not add money sent to my account from investments or XXXX XXXX to my cash app account which they're supposed to Cashapp don't add my earnings to my account even settlements that have been sent to my account has not been added and Cashapp refuse to add my money i want a reason why these stinky XXXX businesses are trying to XXXX me around on my money i have the same problems with XXXX banking and square no matter how many times I complain about it it doesn't get me anywhere I have complain to this company as well something needs to change im starting to think everyone is in on it getting my money to be quiet and let this go along

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
I am a victim XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 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 2025-09-19 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-09-19 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-09-19 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: TX

Complaint narrative:
Inaccurate information credit report on account that been XXXX  and XXXX. Requested validation of sign contract, balance, payment history. XXXX letter to report negative remarks on my 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 explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
Inaccurate information credit report on account that been closed and paid. Requested validation of sign contract, balance, payment history. XXXX letter to report negative remarks on my 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 explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
Inaccurate information credit report on account that been XXXX  and XXXX. Requested validation of sign contract, balance, payment history. XXXX letter to report negative remarks on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: LEXISNEXIS
State: TX

Complaint narrative:
I am requesting that all unauthorized credit inquiries listed under my name in both XXXX  and XXXX XXXX XXXX be removed immediately. These inquiries are preventing me from opening a checking account. I did not authorize these banks or institutions to run my credit, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I been having an issue with Capital One Bank for my XXXX account ending in XXXX, the account has been either XXXXXXXXXXXX  by them and Ive been trying to fix this with them theyre not releasing the funds on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
This complaint is about a Credit Card XXXX XXXX Synchrony XXXX  ), This bank has REFUSED TO REVERSE XXXX Fraudulent Charges showing up on my account with them. I have repeatedly notified them, that the following charges are EXPLICITLY FRAUDULENT XXXX - XXXX  - XXXX  / Fraud Charge {$25.00} / Date - XX/XX/year> XXXX - XXXX XXXX XXXX / Fraud Charge {$17.00} / Date - XX/XX/year> Total Amount of these XXXX Fraudulent Charges - {$43.00} I have refused to pay for the above-mentioned fraudulent charges. 

Furthermore, I have diligently notified Synchrony XXXX ( XXXX  times already ) that a - I DID-NOT make these charges. 
b - I DID-NOT receive any merchandise, related to these XXXX charges c - No one else used my credit card to make these purchases. They are XXXX. 

Synchrony XXXX  has ALL THE RECORDS. Synchrony XXXX  has NOT YET SENT TO ME, The " ACTUAL DELIVERY RECEIPT SIGNATURE '' that I have requested from them, 7 times already. 

The ONLY RESPONSE I have received from Synchrony XXXX  is- The following Statement : - Synchrony XXXX  CAN NOT APPROVE THIS FRAUD CLAIM, because - THE XXXX  SAYS THEY SHIPPED THIS MERCHANDISE for {$43.00} That is All .. Synchrony XXXX  has repeatedly notified me about. This is NOT RIGHT. I have spoken with XXXX different FRAUD INVESTIGATORS of Synchrony XXXX  and .. every single one of them has said ONLY XXXX SINGLE STATEMENT to me.. which is.. The XXXX  says THEY SHIPPED IT. Nothing about Proof of Delivery Signature? 

IMPORTANT : - These XXXX charges are EXPLICIT FRAUD. I did NOT make them. I have NOT RECEIVED any merchandise from this XXXX  XXXX. I have NEVER MADE ANY PURCHASES with this XXXX XXXX. Again and again, over XXXX past XXXX months, I have repeatedly requested Synchrony XXXX  for assistance in DELETING THESE XXXX FRAUDULENT CHARGES. Every single time, all Synchrony XXXX  has notified me with is.. The XXXX XXXX this. Claim Denied. 

I need help. I CAN NOT BE FORCED TO PAY for merchandise I never received. 
No Proof-of-Delivery Signature document has been reserched or issued by Synchrony XXXX, as XXXX XXXX - XX/XX/year>. PLEASE HELP RESOLVE THIS FRAUD. 

Thank you for your time and assistance. 

XXXX XXXX / XX/XX/year> 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 2025-09-19 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: NY

Complaint narrative:
Request for Reinvestigation of Inaccurate XXXX Late Payment Account Name : XXXX Account Number : XXXX I am writing to request a reinvestigation of an error on my credit file regarding the above-referenced account. The account shows a XXXX late payment for XX/XX/year>, even though the account is XXXX and XXXX I previously disputed this information, but Experian did not correct the inaccuracy. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of information. Because this account is XXXX  and XXXX, the XX/XX/year> XXXX late mark is incorrect and should be removed. 
Please conduct a thorough reinvestigation and delete or correct the inaccurate late payment. Provide me with written confirmation of the results, as required by XXXX XXXX. XXXX ( a ) ( 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 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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