vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, There is a late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-03 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: GA

Complaint narrative:
The landmark financial services stated that I refinanced this vehicle, I never refinanced this vehicle. I was told that only thing that I have to do due to you get to a point where me transitioning through jobs that I could defer my payments until I had time to make my payment, I paid landmark financial over {$10000.00} .. they have not yet got the fool inaccurate account balance for this vehicle.I never refinanced this vehicle whatsoever. This was a problematic vehicle, i paid over {$8000.00} to keep this vehicle running, which I notified XXXXXXXX XXXX XXXX of this as well period and they said they would cut off my payments for a month. Not stating that they will be trying to restart my payments like I had just made a loan for the purchase of this vehicle.

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 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This credit inquiry was made without my knowledge or consent, which is a violation of my rights under 15 U.S.C. 1681. I did not authorize any credit application of this transaction with XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Im writing to formally raise a concern regarding how my payments have been allocated after taking a cash advance on my Capital One credit card. Despite consistently making payments since the advance, none of those payments have been applied toward the cash advance balancewhich carries a higher interest charge. 

According to Capital Ones own terms and conditions, when XXXX balances exist on the same account with different APRs, the minimum payment is applied to the lower APR balance, and any amount above that is applied to the higher APR balance. In my case, both my regular purchases and the cash advance carry the same APR, which has resulted in XXXX payment allocation to the cash advance. 

Nowhere in my statements, disclosures, or on the Capital One website does it indicate that the entire purchase balance must be paid off before any portion of a payment is applied to the cash advance balance. This has created a frustrating cycle where, despite paying down both the original purchase balance and the cash advance amount, the cash advance balance remains untouchedstrictly due to continued card usage. 

Ive reached out multiple times requesting documentation or clear policy language that supports this payment allocation method. Each time, Ive been told simply that its part of the process, with no formal disclosure or explanation provided. 

Im asking for the following : -A copy of a clear, written explanation or official documentation showing Capital Ones payment allocation policy when XXXX balances have the same APR that was disclosed to me when I was released credit -A review and adjustment of my payment allocations if Capital One has failed to clearly disclose this practice to the consumer I appreciate your attention to this matter and expect a prompt and transparent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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 kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I stayed at the XXXX XXXX XXXX on XXXX for a XXXXXXXX XXXX XXXX. I never attended the restaurant or bar however I was charged at checkout over {$200.00}. When I rescheduled out to XXXXXXXX XXXX I was told me room was charged for restaurant and bar activity. I told them I never went to either and they said there must be a glitch or someone charged the XXXX XXXX. I asked them to look at the cameras. After no resolve I reached out to my bank to file a claim. The claim was denied because the hotel provided a sales draft for restarsunt and bar. My signature would not match and I was never there. XXXX the XXXX told me that I can not get a refund because they have a receipt. I was told that I would get a call or email from the XXXX XXXX XXXX which I never did. I will file a formal complaint with XXXX and reach out to the president of XXXX XXXX if this does not get resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

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 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 non-monetary relief
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, the annual fee for my Wells Fargo Autograph Journey posted. I immediately canceled the card within a few days. Wells Fargo did not remove the annual fee despite their policy that canceling within 60 days of annual fee post results in an annual fee refund. I reached out to Wells Fargo support ( case # XXXX ) and the reps informed me that they did not have permission in the system to refund the annual fee, escalating to " executive '' support that I too have not yet heard from. In the meantime, Wells Fargo deducted {$95.00} from my bank account, an annual fee which I should not have been charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint.

The following items do not belong to me and were the result of fraudulent activity and identity theft : 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 These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my Experian FICO credit report. I never authorized these parties to access my credit report, nor did I apply for credit or services from them.

I am demanding that these fraudulent items be permanently removed in accordance with FCRA 605B. Experian is required to block this information from appearing on my report within 4 business days of this notice, and failure to do so is a direct violation of federal consumer protection laws.

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 2025-07-03 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: DC

Complaint narrative:
my rights was violated as a consumer under 15usc1681b and need to be blocked and remove from my credit report. XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXXXXXX account number date open XXXX XXXX XXXX XXXX  account number XXXX date open XXXX XXXX  XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX XXXX account number XXXX date open XXXX XXXX XXXX account number XXXX date open XXXX XXXX account XXXX date open 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 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App falsely claims my account is verified, but still blocks me from receiving payments. I have not exceeded any limits and recently updated my bank info. Support confirms Im blocked but refuses to escalate or explain why. Ive received canned responses with no resolution. 

Details : I was only asked to upload a photo IDno SSN, DOB, or full namewhich means Im clearly not fully verified. Ive asked to complete verification but Cash App reps say theres nothing they can do and refuse to unlock my account. This is unacceptable. I need my account restrictions lifted or to be allowed to fully verify now. Im requesting regulatory review of this shady behavior and lack of transparency.

Desired Resolution : Allow me to fully verify with SSN/DOB Remove receive/send block Explanation of account status Escalation to competent staff if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Reported serious and escalating complaints regarding wells fargo and their misguided and misleading practices to the CFPB on multiple occasions, with the complaint being forwarded to wells fargo, and no further action or investigation taking place. I'm requesting a resolution to all claims.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-03 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: IL

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately, There is a late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I have attached a copy of my report to this complaint on the following dates XX/XX/year>. I am requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Had a loan with mariner finance It was sold to another company ( capital one ) without my knowledge. The amount capital one has and the amount mariner finance has doesnt match what I owe and they differ from each other. I requested a debt validation letter from both companies without any communication returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is against XXXX  for noncompliance with FCRA 1681g ( a ). I submitted all necessary documentation to verify my identity on XX/XX/year>, but XXXX  has failed to produce my full consumer report. This delay restricts my ability to inspect, verify, or dispute any data they may be furnishing. I demand that Teletrack comply with the FCRA and immediately send my complete disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: PA

Complaint narrative:
I am writing to formally dispute an inaccurate late payment entry that currently appears on my credit report. My records indicate that the payment was made on time and should not have been reported as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Legal Notice of Lawsuit If the disputed item is not corrected or removed promptly, I will be forced to take legal action, including but not limited to filing a lawsuit for : Willful or Negligent Violation of the Fair Credit Reporting Act under 15 U.S.C. 1681n and 1681o.

Failure to Conduct a Reasonable Investigation after a dispute under 15 U.S.C. 1681s-2 ( b ).

Failure to Update or Correct Information as required under 15 U.S.C. 1681s-2 ( a ).

Please be advised that I expect a resolution to this matter within 30 days of receipt of this letter. If the information remains unchanged or no action is taken, I will consider this an act of willful noncompliance and proceed with legal action.

Company response to consumer: Closed with explanation