vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: NV

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: NM

Complaint narrative:
I attempted to report a case of suspected fraud on my account, but the bank capital one has not been responsive or supportive. I would greatly appreciate your help in figuring out the correct steps to take next.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
This is a follow-up complaint on complaint # XXXX. 

On XX/XX/year>, I made a follow-call to Mazda Financial Services ( XXXX ) to inquire into why the payment made by my insurance on XX/XX/XXXX in the amount of {$33000.00} still hadn't been applied to my account. I was once again given the runaround and told that the payment was " still in process '' ; however, when I called on XX/XX/year> and spoke with another representative, I was told that the hold up was because XXXX was waiting on a refund from my extended warranty in the amount of {$1700.00} to be sent to them before they would process the insurance payment. I reminded them that when I contacted them to report the total loss, I acknowledged that there would be a gap between my insurance payout and the balance on the loan, which I would pay as soon as they received the insurance payout. I never agreed to wait until they received the extended warranty refund, which they had in fact told me would take up to XX/XX/XXXX days. I requested the balance to cover the difference to pay off the loan, which the representative stated was {$2300.00} and I promptly paid while still on the phone with XXXX. I was told that a message would be sent up to the total loss department to apply the insurance payment to payoff the loan to XXXX out the balance and that I would promptly receive the extended warranty refund as soon as it was received ; however, when I logged into my XXXX app on XX/XX/XXXX, I noticed the payment had still not been applied. I called XXXX back and was once again told they were waiting on the refund of my extended warranty, despite the fact that I had already paid the remaining balance off the previous day. I was advised that they would reach out to total loss department to resolve the issue. Later that day, I noticed that the insurance payment was applied and my account showed as a XXXX balance. 

On XX/XX/year>, I just happened to log into my XXXX app and noticed that XXXX had received the refund payment on XX/XX/year>, but I still had not received the check. Subsequently on XX/XX/year>, I called to inquire into the status of the refund check, at which time I was advised that a check for {$1500.00} had been mailed to me on XX/XX/year>. I inquired as to why they applied {$130.00} towards my " remaining balance '' despite having told me that the {$2300.00} I had paid on XX/XX/XXXX would be sufficient to pay off the loan after insurance payment was applied. In essence, XXXX purposely ignored my request to be notified of the remaining balance after my insurance payment was received, delaying the application of insurance funds and resulting in an additional {$130.00} ( XX/XX/XXXX days ) in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Company : Wells Fargo Merchant : XXXX XXXX XXXX, XXXX Issue Type : Credit/Debit card dispute -- Billing error/ Unauthorized charge Complaint details : Authorized charge on XX/XX/year> for {$100.00} for registration and two swim classes. 

Unauthorized charges on XX/XX/year> for {$140.00} and on XX/XX/year> for {$170.00}. My child did not attend these sessions, and i did not authorize recurring billing. 

Actions taken by me : 1. I contacted the merchant and spoke with a manager to dispute the charges ; they acknowledged the billing error and offered " tokens '' instead of a refund, I rejected this offer. 

2. I filed a dispute with my bank and was issued a temporary credit but later reversed it, stating no fraud was found and when i requested for it to be reopened i was advised that XXXX only allows one dispute per transaction and that i needed to speak with the merchant. 

3. I contacted the merchant once again and spoke with XXXX ( New promoted manager ) and she acknowledged the error also and again was offered tokens for free sessions. When i declined she stated that the merchant initiated a refund and it was denied by the bank. The merchant was also able to confirm that my child had only attended 3 swim classes, 1 was a free trial and the other 2 were the ones i paid {$100.00} for. The merchant also claimed i signed an electronic agreement for auto-billing, i confirmed that the IP address that the merchant submitted as proof of my electronic signature does not belong to me and also questioned when did the " waivers '' come about as i have never been aware of such. Again, i did not authorize automated billing if so my child would have attended all of the classes and not just 2.

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 2025-09-29 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-29 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: DISCOVER BANK
State: FL

Complaint narrative:
I took over handling of our finances at the beginning of XXXX. My husband previously was not checking the billing statements and therefore did not see a monthly charge of {$47.00} from a company, JUST ANSWER EXPERTS. These charges went back to XXXX and total {$590.00}. I called Discover credit card company to report this matter and they started a dispute. I was never told to stop using the credit card and therefore continued using it. I was given a temporary credit of {$590.00} while they investigated the dispute. A couple of months later, the charges were back on my credit card statement. I again called Discover and was then forwarded to the fraud department where they initiated a case of fraud, told me to not use the credit card, and that they would send out two new credit cards to myself and to my husband. I did as we were told. Again, a temporary credit was issued and a month or so later the charges were back on our statement. When I called about this, I was told the reason they did not find in our favor was because we continued to use the credit card after we reported the incident. We were never told to stop using the credit card when it was in the dispute phase. I then instructed them to start a second investigation and was just notified that again they have not found in our favor and the charges of {$590.00} will remain on our credit card statement. We never authorized this company to deduct {$47.00} each and every month, and we never entered any subscription with this company. We never heard of this company. It is fraudulent and Discover credit card company is not standing by their customer. We are being punished because of a mistake by them, not telling us to stop using the card when it was in the dispute phase. We refuse to accept this and refuse to pay the {$590.00} which is now on our statement. This is concerning our previous Discover card ending in XXXX. I ask that you please help with this matter and get Discover credit card to credit us the {$590.00} charges which we never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 was a victim of identity theft. There are inquiries on my Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX BANK - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-09-29 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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 you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$260.00}

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 2025-09-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am submitting this complaint regarding Chime Bank and their ongoing promotional offer. 

On XX/XX/year>, I signed up with Chime through their official website. At the time of account opening, Chime advertised a {$350.00} new account bonus for customers who opened an account and set up direct deposit. The terms clearly stated that the bonus would be paid within XXXX business days after receiving the first qualifying deposit. 

On XX/XX/year>, I received my first direct deposit of {$1000.00} into my Chime account, which more than satisfied the stated requirements. However, as of todays date, I have not received the {$350.00} bonus. 

I have called Chimes customer service numerous times. Each time, representatives stated they did not know why the bonus was not applied, even though I clearly met the requirements. I have also had escalation tickets opened, only to have them closed without anyone contacting me or resolving the issue. On more than one occasion, representatives have hung up on me during calls, including a supervisor who hung up on me when I asked for further assistance. 

This is unacceptable. The promotion is still being advertised on Chimes website today, which means it is active and available to new customers. I switched my payroll deposits to Chime in good faith based on this promotion. At this point, it appears to be false and misleading advertising. 

I am requesting the CFPB to review Chimes practices regarding this promotion and to assist me in receiving the {$350.00} bonus that I rightfully qualified for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I disputed this account acct # XXXX $ XXXXwith Portfolio Recovery Associates ( PRA ) and requested proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I asked PRA to provide : A signed contract/agreement with my signature ; A complete accounting from the original creditor ; Proof of assignment/chain of custody showing PRA owns this debt ; Verification of the balance ; and Documentation establishing PRAs right to collect.

Instead of providing validation, PRA responded with form letters that do not include the requested proof. Despite this, PRA continues to report the account to XXXX  ( and possibly other credit bureaus ) as verified and updates the trade line monthly. 

This is a violation of FCRA 623 ( duty of furnishers to report accurately ) and FDCPA 809 ( failure to validate before collection ). The reporting is inaccurate, incomplete, and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation