vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I had a Credit Karma Money XXXX XXXX XXXX account that was compromised after my personal accounts were hacked earlier this year. Credit Karma and XXXXXXXX XXXX approved my disputes for the fraudulent transactions on the account and confirmed that I would be receiving a refund totaling {$5500.00}. 

When I spoke with a Credit Karma representative in XX/XX/year>, I made it very clear that my linked external bank account had also been hacked. I specifically requested that the refund not be sent via ACH transfer to that account. The representative confirmed that the funds would be issued by mailed check instead. 

Despite that confirmation, the refund of {$5500.00} was sent via ACH transfer to the compromised bank account, not as a check, and I therefore never received the money. 

Later, I was informed by Credit Karma that there was an additional refund of around {$90.00} being sent to me. However, that second refund check was mailed to my old address, even though I had already updated my mailing address and received confirmation that my updated information was on file. I never received that check either. 

I have repeatedly contacted Credit Karma Member Support and the Resolution Team to correct these errors and to request reissuance of the funds, but I have been unable to get a clear or timely resolution. The company has not reissued either refund and has provided conflicting or incomplete information each time Ive reached out. 

I am requesting that Credit Karma and XXXXXXXX XXXX immediately reissue the total funds owed to me by mailed check to my correct updated address, as originally agreed upon, and confirm in writing once this has been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: LA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-07 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: LA

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update XXXX records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-11-07 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I purchased furniture from XXXX XXXX in XXXX of 2025. Unbeknownst to me, they had a billing error on their end and did not charge me the full amount at that time. It has now been fourth months, and they just charged my debit account for the remainder of the amount without my authorization. When I purchased from them in XXXX, I did not give them continual permission to charge my account or set up any kind of payment plan. It was a one-time authorization. If they had sent me a bill for the remaining amount, I would be happy to pay anything I owe. However, I believe it is illegal for them to charge my card months later without any kind of authorization and goes against the Fair Credit Billing Act. I expressed these concerns, and they stated it is their business practice to charge without permission if they feel they are owed the money. They offered no help or apology for my concerns with my account being compromised by their illegal practices.

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 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My account is locked for too many incorrect password attempts. Ive tried all the phone numbers given to try and get a live person but I just get sent back to their phone bot and get stuck in a loop. I am applying for a mortgage and need access. Experian is preventing me from moving forward with my application.

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 2025-11-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Cease and Desist Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX XX/XX/year> NCB Management Services , Inc. 
XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist Account Number Beginning with XXXX To Whom It May Concern : I am writing to formally notify NCB Management Services , Inc. to cease and desist all communication with me regarding the above-referenced account. This notice is being issued under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please stop all forms of contact with me, including but not limited to phone calls, emails, letters, and any communication to my place of employment. The only written communication I will accept from NCB Management Services , Inc. is confirmation that you will cease further contact or notification of any specific legal action you may intend to pursue, as allowed by law.

Any further unauthorized contact from your office may be construed as harassment and a violation of federal law. If such violations occur, I will not hesitate to report them to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney Generals office, and any other appropriate regulatory agencies. 
Please confirm in writing that you have received this letter and that all communications will cease immediately. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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 submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

Account Name : XXXX, Account Number:XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Account Name : XXXX  XXXX XXXX, Account NumberXXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Account Name : XXXX, Account Number:XXXX * * * * * * * * * * Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX * * * * * * * * * * * Date Opened : XX/XX/XXXX 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  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have no association with this account, and the information shown is incorrect.

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 2025-11-07 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is inaccurately reporting information in reference to XXXX accounts identified as XXXX. One account has a balance of {$240.00} and the other a balance of {$790.00}. It is unlawful to report a charged off account with a balance. Both accounts have been charged off and report multiple chargeoffs for consecutive months which is unlawful and misleading. Furthermore, you have failed to provide Form 1099-C ( Cancellation of Debt ), which is required by the Internal Revenue Service when a debt is canceled or forgiven. In accordance with FCRA the information reporting on these accounts is a violation of my rights as follows : 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 1681S2A7 states that the furnisher is required to provide accurate information and correct or update information when notified of disputes by consumers or credit reporting agencies. Yet, Capital One continues to unlawfully report the inaccurate information to the major credit bureaus. This is extremely concerning to me as a consumer as this unlawful violation has severely impacted my credit rating and overall financial health. Thus, I am disputing the inaccuracy of the above-referenced accounts pursuant to the FCRA 15 USC 1681i . These charge-off accounts are still reporting a balance although said balances are reported as written off. Nor do they reflect my payment history correctly. Furthermore, the major credit bureaus are currently reporting conflicting payment histories for this same account, which constitute a direct violation of the FRA 's requirement for maximum possible accuracy 15 USC 1681eb. The presence of contradictory information between major consumer reporting agencies confirms that the account information you have on file is patently unreliable and inaccurate. You must immediately inform the major credit bureaus of my dispute with this debt. I previously disputed these accounts however, the reinvestigation failed to resolve the discrepancies. Until you provide the above requested documentation validating the inaccurate information you must cease all collection activities, including credit reporting, as mandated by 15 USC 1692gb. As previously stated, your failure to issue form 1099C violates IRS Internal Revenue Code 6050p which affects my tax reporting obligations and impairs my ability to accurately report income

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
XXXX  compliance with regulations concerning the removal of disputed accounts.

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 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX  I had tried to pay a Illinois toll from a XXXX link from a text message and then yesterday I saw XXXX charges to my checking account I did not make. There where XXXX from XXXX about XXXX and XXXX and another big one from a XXXX rent about XXXX. I called pnc about it and they said I have let it clear the XXXX smaller XXXX cleared and we started a dispute but the larger one did not and I don't have enough funds in my accounts to make it clear. PNC is not willing to do anything until it clears

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A fraudulent charge of {$450.00} was charged to my Bank of America checking account through XXXX on XX/XX/XXXX. I reported this fraud first to Bank of America and and then XXXX on XX/XX/XXXX. 

I have made numerous phone calls to both companies and written letters. Bank of America states that I should have called XXXX first and XXXX states that they won't let me open a fraud case with them because I contacted Bank of America first. 

XXXX did release the IP address to BOA where the transaction originated from and it is not my IP address. 

At the time this happened my husband and I had been customers of BOA for 37 years. As far as XXXX is concerned, I used that company once in XXXX. 

Neither of the companies want to take responsibility. I feel they have violated the The Electronic Fund Transfer Act ( EFTA ), implemented through Regulation E.

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 2025-11-07 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: IL

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ),
15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-07 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXX XXXX data breaches, which exposed sensitive personal data to unauthorized parties. 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 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

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I made a purchase with XXXXXXXX XXXX XXXX XXXX XXXX XXXX for {$290.00}. On XX/XX/XXXX when the package was delivered the box was partially opened and the item was missing. Once I realized the item was missing I called XXXX and reported the incident and the created a dispute which the denied the very next day. I made 2 more disputes and they denied each one. I then called Capital One and explained what happened and I was reassured however the case goes with the merchant I would receive a refund no matter what. Few days later the charges were on my card again so I called capital one and ask why is the charge on my card again because I was reassured that this would be taken care of no matter what. They stated that the merchant denied the charge back and they need more information to get my money back. I gathered the information I had and uploaded it to their portal. Few days later I received a letter stating that I didnt submit sufficient information therefore my claim has been denied once again.

Company response to consumer: Closed with explanation