vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am filing a follow up complaint regarding inaccurate and unverifiable information on my credit report, including collections, late-closed accounts, inquiries, and incorrect addresses. These errors are harming my creditworthiness and misrepresenting my financial history.XXXX XXXX XXXX XXXX XXXX Date of Last Activity : XX/XX/XXXX, Balance Owed : {$270.00} This account is inaccurately reported and does not reflect my actual payment history.XXXX XXXX XXXX XXXX XXXX XXXX  Date of Last Activity : XX/XX/XXXX, Balance Owed : {$0.00} This account is inaccurately reported as late-closed. 
XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX These addresses are incorrect and do not reflect my actual residence history. 
Inquiries Included in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 inquiries were either unauthorized or inaccurately reported.

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 2025-09-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Block, Inc.
State: GA

Complaint narrative:
Hello on XX/XX/XXXX I was unable to use my card cash app locked my card for no reason and its going on XXXX  months I am still unable to withdraw the remaining balance off my card which is {$380.00} dollars cash app has giving me the run around and has yet to unfreeze my account so I cant withdraw the remaining balance off they have closed my account for false reasons and still after XXXX  months later my issue is not resolved and I still cant get my money off the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I received an email alert about a purchase on my Capital One credit card that I did not make. When I checked the app, I saw there had already been a prior charge from the same merchant. I immediately reported the transactions as fraud, opened a claim with Capital One, and received temporary credits. 

In XX/XX/year>, the same two amounts ( {$170.00} and {$110.00} ) appeared again on my account. When I called Capital One, I was told that the merchant processed the transactions later and that my dispute was denied because the payments supposedly went through XXXX XXXX. 

I have never authorized these transactions, I do not know this merchant ( XXXX XXXX XXXX XXXX XXXX XXXX ), and the phone number provided for the merchant does not work. I also can not locate a physical store for this merchant. Online research shows multiple reports from other consumers describing the same merchant as fraudulent. 

I requested from Capital One the proof of authorization they relied on ( XXXX XXXX device token, device information, merchant details, etc. ), but this information was not provided. Supervisors confirmed that the case could not be reopened even though I disputed the charges promptly in XXXX. 

Timeline : XX/XX/year> Reported fraud to Capital One and received temporary credits. 

XX/XX/year> Same two charges reappeared and posted to my account. 

XX/XX/year> Capital One denied my dispute, claiming XXXX XXXX authorization. 

Total disputed amount : {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding multiple inaccuracies and inconsistencies being reported on my credit file. This submission is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which entitles consumers to the reporting of only accurate, complete, and verifiable credit information.

XXXX XXXX  Account Number XXXX Late 30 days XXXX Open date XX/XX/XXXX XXXX XXXX Account Number XXXX  Balance : XXXX XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX late 120 days XXXX to XX/XX/XXXX - Open date XXXX XXXX, XXXX not reported in Experian XXXX XXXX Account Number XXXXBalance : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} Last Activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Last activity XX/XX/XXXXXXXX XXXX XXXX  Per FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individual consumers. Additionally, under FCRA 1681i ( a ), when a consumer disputes information on their credit report, a timely and reasonable reinvestigation must be conducted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I am submitting this formal complaint and dispute regarding multiple inaccuracies and inconsistencies being reported on my credit file. This submission is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which entitles consumers to the reporting of only accurate, complete, and verifiable credit information.

XXXX XXXX  Account Number XXXX Late 30 days XXXX Open date XX/XX/XXXX XXXX XXXX Account Number XXXX  Balance : XXXX XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX late 120 days XXXX to XX/XX/XXXX - Open date XXXX XXXX, XXXX not reported in Experian XXXX XXXX Account Number XXXXBalance : XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} Last Activity XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} Last activity XX/XX/XXXXXXXX XXXX XXXX  Per FCRA 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning individual consumers. Additionally, under FCRA 1681i ( a ), when a consumer disputes information on their credit report, a timely and reasonable reinvestigation must be conducted.

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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
This is a formal complaint against BANK OF AMERICA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the XXXX XXXX XXXX, the furnisher failed to : XXXX a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 
BANK OF AMERICA 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 2025-09-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXDOFED XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Ref to complaint XXXX I do not have 60 days to wait before these people cancel this protection I am supposed to receive.. There should be some consumer protection against the problems created by this company. They have a long list of problems they have created for the American public including thousands of complaints, loss of lawsuits, gaining an XXXX  rating at the XXXX. etc. It is my credit that is at risk with potentially numerous other problems and dragging their feet on this issue can't be allowed.

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 2025-09-24 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: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX, I purchased digital goods and services from XXXX XXXX through my WSFS Bank account . These purchases were valid and authorized. However, in XXXX  my XXXX account was permanently banned, and all access to the digital goods I paid for was revoked. I no longer have access to the merchandise and services I purchased. 

I filed a dispute with WSFS Bank ( Reference ID : XXXX ) for services not rendered/merchandise not received, since I paid but did not receive ongoing access to what I purchased. Instead of processing my dispute correctly, WSFS miscategorized it as a billing error or fraud claim. They denied my dispute on that basis, stating only that the merchants general Terms of Service gave them the right to ban accounts. 

I specifically requested documentation that WSFS relied upon in making its decision. WSFS only provided my own submitted evidence and XXXX  publicly available Terms of Use. They have not provided transaction-specific documentation from the merchant showing that the services I paid for were delivered or available to me. 

Meanwhile, my other bank XXXX XXXX  XXXX XXXX ) processed the same type of dispute correctly under services not rendered. XXXX  applied temporary credits while their investigation is ongoing, and a few credits have already been made permanent. This demonstrates WSFS is mishandling my dispute category and not following proper billing rights protections. 

I am requesting that WSFS recategorize my dispute under services not rendered/merchandise not received, conduct a proper investigation, and provide the documentation actually used to deny my claim.

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 2025-09-24 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: AL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute and request an investigation into inaccurate and potentially outdated information being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} Late 30 days XXXX, XXXX, late 60 days XX/XX/XXXX, XX/XX/XXXX, late 90 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$3400.00} tied up XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2500.00} tied up XXXXXXXX XXXX  XXXX XXXX XXXX  Balance : {$2800.00} tied up XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days XX/XX/XXXX, XX/XX/XXXX late 60 days XX/XX/XXXX Under the FCRA, credit furnishers and credit reporting agencies are required to ensure maximum possible accuracy of the information reported ( Section 1681e ( b ) ) and to investigate disputes in a timely manner ( Section 1681i ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: SC

Complaint narrative:
I am writing to formally dispute and request an investigation into inaccurate and potentially outdated information being reported on my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$10000.00} Late 30 days XXXX, XXXX, late 60 days XX/XX/XXXX, XX/XX/XXXX, late 90 days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : {$3400.00} tied up XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2500.00} tied up XXXXXXXX XXXX  XXXX XXXX XXXX  Balance : {$2800.00} tied up XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Late 30 days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} late 30 days XX/XX/XXXX, XX/XX/XXXX late 60 days XX/XX/XXXX Under the FCRA, credit furnishers and credit reporting agencies are required to ensure maximum possible accuracy of the information reported ( Section 1681e ( b ) ) and to investigate disputes in a timely manner ( Section 1681i ).

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 2025-09-24 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate late payment reporting by XXXX XXXX Credit Card. 

In XX/XX/year>, my payment source was compromised due to fraud. I was assured by representatives of the company that my automatic payments would continue without interruption. Relying on that information, I later discovered that two payments had not processed and late payment marks had been reported. 

I contacted the XXXX XXXX Credit Card by phone on three separate occasions and by email multiple times. Sent in circles. On my most recent call, a representative confirmed that my account was marked with the fraud notation, that supporting details had been added, and that I should file a dispute so the late marks would be removed. Despite this, the company has not removed the negative marks. 

I respectfully request that the CFPB review this matter and XXXX XXXX Credit Card remove the late payment notations from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding multiple inaccuracies and unverifiable information reported on my credit file. First, my name is listed incorrectly as " XXXX XXXX, '' which needs to be corrected. Additionally, I dispute the accuracy and completeness of the following charge-off accounts : XXXX XX/XX/XXXX( Acct ending in XXXX ) with a reported balance of {$13000.00} and last activity on XX/XX/XXXXXX/XX/XXXXXXXX XXXX Acct ending in XXXX ) with a balance of {$24000.00} and last activity on XX/XX/XXXX ; and XXXX XXXX XXXX Acct ending in XXXX ), which shows a balance of {$42000.00}, multiple XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and a repossession status. This account also reflects inconsistent balances across bureaus and has already been removed from Equifax, suggesting inaccuracy. I also dispute new collection accounts, including XXXX ( Acct ending in XXXX ) for {$1200.00} ; XXXX XXXXXX/XX/XXXX ( Acct ending in XXXX ) for {$5000.00}, last activity XX/XX/XXXX ; a MEDICAL account ( Acct ending in XXXX ) for {$1100.00} ; and XXXX XXXX ( Acct ending in XXXX ) for {$630.00}. These accounts XXXX be inaccurate, incomplete, or unverified. Lastly, I dispute XXXX unauthorized or questionable hard inquiries from XX/XX/XXXXon XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I request a full investigation of each item listed, correction or removal of any unverifiable information, and written confirmation of the results as required by the FCRA within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
I am filing this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding multiple inaccuracies and unverifiable information reported on my credit file. First, my name is listed incorrectly as " XXXX XXXX, '' which needs to be corrected. Additionally, I dispute the accuracy and completeness of the following charge-off accounts : XXXX XX/XX/XXXX( Acct ending in XXXX ) with a reported balance of {$13000.00} and last activity on XX/XX/XXXXXX/XX/XXXXXXXX XXXX Acct ending in XXXX ) with a balance of {$24000.00} and last activity on XX/XX/XXXX ; and XXXX XXXX XXXX Acct ending in XXXX ), which shows a balance of {$42000.00}, multiple XXXX late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and a repossession status. This account also reflects inconsistent balances across bureaus and has already been removed from Equifax, suggesting inaccuracy. I also dispute new collection accounts, including XXXX ( Acct ending in XXXX ) for {$1200.00} ; XXXX XXXXXX/XX/XXXX ( Acct ending in XXXX ) for {$5000.00}, last activity XX/XX/XXXX ; a MEDICAL account ( Acct ending in XXXX ) for {$1100.00} ; and XXXX XXXX ( Acct ending in XXXX ) for {$630.00}. These accounts XXXX be inaccurate, incomplete, or unverified. Lastly, I dispute XXXX unauthorized or questionable hard inquiries from XX/XX/XXXXon XX/XX/XXXX, and XXXX XXXX XXXX on XX/XX/XXXX. I request a full investigation of each item listed, correction or removal of any unverifiable information, and written confirmation of the results as required by the FCRA within 30 days.

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 2025-09-24 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: MD

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

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