vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute inaccurate information reported on my credit file by Equifax regarding my account with XXXX, a revolving credit card account. Upon reviewing my credit reports from TransUnion, Experian, and Equifax, I have identified a significant discrepancy that is adversely affecting my credit profile. 

Account Details : Creditor Name : XXXX Account Type : Revolving Credit Card Credit Limit : {$4500.00} Balance : {$2100.00} Account Status : Open and in Good Standing Last Reported Date : [ XX/XX/XXXX ] Disputed Information : Equifax has reported late payments for the following months : XX/XX/XXXX : XXXX  days late XX/XX/XXXX : On Time/OK This reporting is inaccurate and conflicts with the data provided by both TransUnion and Experian, which show consistent OK payment status for these months. I have made all payments on time for this account, and there is no valid reason for Equifax to reflect these delinquencies. 

Supporting Evidence : Credit reports from TransUnion and Experian showing OK payment status for XX/XX/XXXX report for Equifax XX/XX/XXXX shows " OK '' while Transunion and Experian shows " XXXX  days late '' which is inaccurate. 

Credit report Account summary indicating the account is open and in good standing. 

No history of missed or late payments on this account.

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: MD

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kikoff Inc.
State: WA

Complaint narrative:
this account is currently closed and is described to be a profit and loss write off. 
I never recieved anything monetary from this company and was being charged to pay off a amount that was never in my possession. this shouldn't be on my credit it is affecting my score and I would like it to be removed off my credit profile

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Chime Financial Inc
State: GA

Complaint narrative:
I bank with Chime Banking and on XX/XX/year> at XXXX pm somone hacked my bank account and spent XXXX on XXXX from XXXX, XXXX. i disputed the charge XXXX  times and sent them proof of it not coming out of my XXXX account and also the police report i filed with them. They wont give me the money back that someone stole. i have talked to the bank XXXX  times each time they reopen the dispute and say they are sending me the papers on why the last dispute was rejected.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, I am writing to report fraudulent inquiries that appeared on my credit reports. I had no knowledge of these inquiries and did not authorize them. These hard inquiries were made without my consent and must be removed immediately under the Fair Credit Reporting Act. 
The unauthorized inquiries are : XXXX XXXXXXXX XXXX  XXXX XX/XX/year> ( Equifax ) XXXX XXXX XX/XX/year> ( TransUnion ) XXXX XXXX XX/XX/year> ( Experian ) XXXX XXXXXXXX XXXX XXXXXX/XX/year> ( Experian ) I am a victim of identity fraud. Please investigate this matter, remove the above-listed inquiries from my credit file, and prevent further fraudulent activity associated with my personal information. 
Sincerely, XXXX XXXX

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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be 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 XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally address a serious matter of identity theft. I have recently discovered that my name and business information were fraudulently placed on the XXXX XXXX list. This is causing significant harm to me, as it has prevented me from securing payment processing services. 

I have been informed that JPMorgan Chase is the acquiring bank responsible for this listing. However, I have never held a business or merchant account with your institution. My only recent interaction with your company was a credit card application I submitted in XXXX, which I received through a pre-qualified mail offer sent to my home address. 

This situation is particularly concerning as my family has a long-standing relationship with your institution ; my mother is a loyal customer of your bank. The placement of my name on this list is severely impacting my ability to conduct business and is damaging my professional reputation. 

I have obtained a police report for identity theft to clear my business name. I am prepared to provide a copy of this official police report upon your request, which confirms that a third party used my personal and business information without my consent. 
As someone with a XXXX  XXXX  and XXXX, I rely on clear and direct communication to manage my personal and business affairs. Navigating this complex issue has been especially challenging for me, and I am hopeful that your team will work with me to resolve this with urgency. 

I kindly request that you review this matter immediately and provide me with the specific reason code for this listing. As I have not been a merchant with you and have documented evidence of identity theft, I believe my information should be removed from the XXXX  list as a matter of urgency. 

Thank you for your prompt attention to this critical issue. I look forward to your response and a swift resolution. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a long-standing Capital One Quicksilver  XXXX XXXX customer and completed XXXX shopping offers through the Capital One Offers portal between XX/XX/XXXX and XX/XX/XXXX. 

Each offer had specific terms that I carefully followed : XXXX clicked through the offer directly from the Capital One credit card portal -I completed the qualifying purchase in the same session -I used my Capital One card as required -I ensured no ad blockers, VPNs, or browser extensions interfered with tracking Despite fully complying with the terms, none of the XXXX offers were credited to my account. XXXX XXXX internal review period has now expired for XXXX of these offers, leaving me without any resolution. 

I contacted Capital One Customer Service and was transferred between several agents who did not know their protocol. Ultimately, I was able to talk to a supervisor and was told there was nothing they could do. I received no explanation for why the offers failed to track. I also respectfully requested a gesture of goodwill for the time and effort I spent trying to resolve this, but that request was denied as well. 

This experience is unacceptable. I completed all XXXX offers in good faith, yet Capital One has taken no action to investigate or correct what appears to be a systemic failure in their offer tracking technology. Their customer support process also failed to provide a fair or effective resolution path. 

I am requesting the XXXX  assistance in ensuring that Capital One : -Conducts a thorough investigation into why their system is not crediting offers -Fixes any technical issues in their offer tracking system -Improves their customer support escalation process for legitimate disputes -Credits the promised rewards for qualifying purchases I can provide confirmation codes, dates, and receipts for each of the XXXX offers. 

I am simply asking for fair treatment and the rewards that were promised under the terms of these offers. 

Thank you for your time and assistance.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 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: MI

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint & Request for Enforcement Violations of 15 U.S.C. 1681c-2 To Whom It May Concern, I am filing a complaint against Experian, Equifax, and TransUnion. Due to the data breaches at these agencies, my consumer files contain outdated addresses, unauthorized inquiries, and unverifiable negative accounts. 

Under 15 U.S.C. 1681c-2, I demanded these items be blocked and deleted. The bureaus continue reporting them, violating my rights under the FCRA. 

I request that the CFPB enforce compliance and ensure the removal of : All outdated addresses All unauthorized or unverifiable inquiries All unverifiable or negative accounts Enclosed are supporting documents and my Victim Determination Letter. 

Sincerely, XXXX XXXX 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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB XXXX XXXXXX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and verifiability of an account being reported on my credit file by XXXX XXXX XXXX XXXX XXXX The account is currently listed as a charged-off auto loan with a past due balance of {$610.00} and a charge-off amount of {$9000.00}. This account contains inaccurate and outdated reporting, including continued updates after the last payment activity in XXXX and an unverifiable ongoing balance. As such, I demand the immediate deletion of this account from my credit file in compliance with federal law. Legal Grounds for Deletion XXXX. FCRA 611 [ 15 U.S.C. 1681i ] Reinvestigation Required You are required to conduct a reasonable reinvestigation of the disputed information within XXXX  days. If you can not verify all elements of this account, it must be deleted. XXXX. FCRA 602 ( a ) [ 15 U.S.C. 1681 ( a ) ] Accuracy and Fairness Continued reporting of a charge-off account with no payment activity since XXXX, and with an inconsistent balance, is misleading and unfair. XXXX. FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Maximum Possible Accuracy This reporting violates your duty to ensure maximum possible accuracy of consumer report data. XXXX. FCRA 605 ( a ) ( 5 ) [ 15 U.S.C. 1681c ( a ) ( 5 ) ] Time Limits on Reporting This accounts Date of First Delinquency ( DOFD ) is listed as XX/XX/XXXX, meaning it must be removed no later than XX/XX/XXXX. Any attempt to re-age or inaccurately maintain the derogatory status would be a violation of federal law. My Demands Delete this account in full from my credit report if you can not provide documentation verifying : Original signed contract Full account and payment history Accurate balance and DOFD Notify me in writing of the results of your reinvestigation within XXXX calendar days. Provide an updated copy of my credit report reflecting any changes. If this account is not verifiable in full compliance with the Fair Credit Reporting Act, it must be permanently deleted. Continued inaccurate reporting will result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and may lead to further legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

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: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/year>, I updated my automatic payment settings for my XXXX XXXX XXXX XXXX XXXX XXXX  account to the Minimum Payment Due on the XXXX day of every month ( reference pdf Gmail - Your Autopay settings have been updated ). My XXXX XXXX XXXX, according to my statement letter dated XX/XX/year>, is {$160.00} and XXXX XXXX Date is XX/XX/year> ( reference pdf - XXXX ). On XX/XX/year> at XXXX XXXX, I received a letter from Synchrony indicating that my automatic payment was updated to {$9700.00} and to be posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I did not authorize nor make this selection and never agreed to any increase in my automatic payments. I turned off automatic payments and intend to manually pay the minimum balance due on XX/XX/XXXX instead of using automatic payments. At XXXXXXXX XXXX  I called Synchrony Bank 's customer service line at XXXX ( XXXX ) XXXX to inquire about this change. They claimed that the only change to my automatic payment settings occurred on XX/XX/XXXX, and confirmed that my minimum payment due is {$160.00}. They claimed they were not able to see any letter that has been sent to me or posted to my account, and that no change occurred to my automatic payment settings.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I received a refund from XXXX XXXX XXXXXXXX XXXX installments of {$900.00} a piece. I tried to get into my Cash App and Cash App told me that I had no longer had access to the the Cash App that I opened that I had money in that they would not release the funds back to the school or the bank. They would not release the funds to me. They would not release the funds and won't allow me into my account. Then, after about two weeks of getting that, they tried to tell me that I faulted on my account. So I can't get my money anyway. Cash app is XXXX XXXX XXXX XXXX  They steal your money.This is like the fifth time.They 've did this to me.And i'm sick of it.I need my XXXX XXXX XXXX  back XXXX XXXX and XXXXXXXX XXXX  back

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 information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This complaint is not submitted in error. Multiple items on my credit report are inaccurate, can not be verified as mine, and are causing measurable harm to my creditworthiness and personal well-being. These errors have created ongoing stress and financial hardship, and it is unacceptable that they remain on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: KY

Complaint narrative:
cash app refused to tell me why I couldn't link my chime card an I asked for a supervisor an was told no kept being told to use a different card that I do not have I had this card linked before to cash app when he told me no yes I got heated an I apologize for that I said it was the heat of the moment but being to told no when asking to speak to a supervisor an not telling me why got me upset

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: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am disputing inaccurate late payment notations that BMW Financial Services reported to the credit bureaus regarding my account # XXXX ( XXXX BMW XXXX ). 

These late payments ( XXXX, XXXX, XX/XX/XXXX ) are factually incorrect and occurred only because BMW Financial Services blocked my account and refused to accept my autopay payments. I never refused to pay, and I consistently maintained autopay for {$1200.00} per month. 

I contacted BMW immediately and was told they could not unblock my account unless I followed a separate process. I made it clear that I was ready to pay as usual. Later, in XX/XX/XXXX, BMW admitted their mistake and even contacted the credit bureaus, which temporarily restored my credit score. This proves that BMW acknowledged their responsibility.

Despite this, the three late payment notations remain on my credit reports. This inaccurate reporting has caused significant harm to my credit profile. 

I demand that BMW Financial Services permanently delete these late payment entries from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Credence Resource Management , LLC began contacting me in XX/XX/XXXX on behalf of XXXX XXXX for charges for internet service from XX/XX/XXXX. I informed them that I have no outstanding debt with XXXX XXXX because I never received any service. As Ive informed XXXX XXXX, they were unable to establish service at my residence. They sent a technician out but he was unable able to establish a connection. I returned the equipment to XXXX XXXX and verified with the representative that I had no service and that I wouldnt be charged. I informed XXXX of this and ask them to review the data usage on the account. The data usage would show that I did not have any internet service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Date : XX/XX/2025 To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Cease and Desist Account No. XXXX Balance {$3600.00} To Whom It XXXX Concern, Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding the above-referenced account. 

This prohibition applies to phone calls, letters, emails, text messages, and any other means of contact directed to me, my residence, workplace, or third parties. The only communication permitted by law after receipt of this notice is : XXXX. A single written notice confirming that you will cease all further contact ; or XXXX. Written notice of any specific legal action you intend to take. 

This letter is not an admission of liability for the alleged debt. I also request written validation of the account, including documentation showing the original signed agreement, the complete payment history, and proof of your authority to collect. 

Failure to comply with this request will be treated as a violation of the FDCPA. All violations will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York Attorney XXXX XXXX. 

Sincerely, XXXX XXXX XXXX ________________________ XXXX XXXX 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