vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: Experian Information Solutions 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.

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 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 2025-10-09 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: MD

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I had damage on my roof. Called XXXX XXXX XXXX XXXX which informed me I HAD NO INSURANCE SINCE XX/XX/year>. 
My bank RUSHMORE SERVICING showed on my account as paid. 
Theyve collected escrow the whole year. 
Now not only I have no insurance but I will need to fix my roof before I can even get insurance. 
Im on a fixed income. 
If XXXX forbid we get hit by another storm I can lose it all. 
Please help. 
I authorize XXXX XXXX XXXX to speak on this issue at if Im not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: AL

Complaint narrative:
I asked to revoke XXXX and all debits, single transaction and recurring, through email and chat. They repeatedly refuse to accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I made a purchase from an online vendor recently, where the only payment option was. Google Pay. I added my credit card and paid using Google Pay. There was not an option at the time to " delete '' or forget, or otherwise NOT store my credit card information. 

After the purchase was complete, I logged into my Google Pay account to try to delete the card. However, Google will not let me make changes to my XXXX account ( ie : delete a card ) due to a cyclical and ridiculous authentication process. I have my username, password, and associated phone number, and was able to log into the XXXX account with XXXX using those details. In order to make changes to my account after logging in, I'm required to use a google app ( XXXX, XXXX  or otherwise ) to authenticate. I do not use or have other XXXX apps. 

I have contacted customer service, which insists that there is no other way to authenticate my account in order to make changes to it. It feels exploitative that I should need other unwanted XXXX apps in order to remove the one that I don't want in the first place.

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 2025-10-09 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-09 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: MS

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a credit card with a prequalified credit card with a bonus of {$200.00} if I spent {$500.00} within XXXX days after start of account. My account was opened on XX/XX/year> and I have spent well over {$2000.00} in purchases and when I called Capital One bank to inquire when I could expect to receive my bonus they informed me that I did not qualify for the bonus. I explained to the banker I was speaking with that I was mailed their offer and she tried to explain to me that I did qualify for the credit card but not the bonus. I again told her that my mailer and when I opened my account online it had a promotion number which was applied to my application. At that time I requested a original copy of my offer and she informed me that she put the information into her system and I could expect my requested information in the mail within XXXX business days. The very next day I received an e-mail which stated my case was looked into and I did not qualify for the bonus and that my case was closed. I have had many other card offers from various banks and never until now have had any issue 's receiving the bonuses and I want to state again that they were the one 's who sent me offer and I would not have applied for their card if there was not an offer being given. This is complete bait and switch and nothing less.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-09 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: TX

Complaint narrative:
I pulled a copy of my credit report and noticed some accounts that don't meet the Requirements of being reported and violating 15 U.S. Code 1681e ( b ) because they are not reporting at maximum possible accuracy. These accounts are highly injurious and hurting my ability to obtain credit. I am suffering from emotional distress and want to be able to use my credit. Please see the attached letter for specific details.

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 2025-10-09 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: AL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I opened a checking and savings account because of a promotion promising {$300.00} if a direct deposit of {$500.00} or more is made to the account within 60 days of opening. A direct deposit of {$990.00} was received in the checking account about 3 days later. I moved that money to the savings account and maintained a balance of at least {$100.00} in the savings account until now. The company closed the checking account without permission or notification after 7 days of {$0.00} balance even though the connected savings account had a {$100.00} balance ; they falsely claimed this is standard among other banks as well. They acknowledged the direct deposit was received, but refused to grant the {$300.00} bonus because they closed the checking account. I contacted support and they confirmed they would not do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My name is XXXX XXXX. I daughter died in XX/XX/XXXX per XXXX XXXX XXXX XXXX between the hours of XXXX. We contacted her roommate so we could come get her property. She told me and my granddaughter the the police had taken everything because it was a crime scene. We contacted XXXX Police the told us they didnt take anything from the house that belonged to my daughters for the next XXXX  days we constantly call the lady, her name is XXXX XXXX and they were living at XXXX XXXX XXXX XXXX XXXX  XXXX When we finally had the police to order her to give us her property she had cleaned out her bank account kept all her expensive purses and luggage and name brand sneakers. She did not return my daughters phone or XXXX XXXX and we transferred her number and info into an old phone she had and thats when we discovered she had cleaned her bank account out and her XXXX XXXX account out. The times she did all this was the same day my daughter was pronounced deceased She took all her money at XXXX and after XXXX XXXX after she was taken to the morgue. We need proceeded to file with the XXXX police who have sent a subpoena to Chime Bank for her bank records. I asked the Detective could we go ahead and file a fraud report with Chime and he said sure do what you need to do. So yesterday XX/XX/year> I filed a dispute of the fraudulent charges they took the report but they need asked for any proof of death or times are anything coordinated evidence. As I said this report was put in on XX/XX/year> as l am thinking that Chime is a good bank we were sent an email the exact same evening stating the claim was denied and closed. How is it possible for them to open and close the case with any documentation from us. I dont want to hold this lady accountable and return the funds to my grand children who are her beneficiaries. Please help me so I can get some closure for my grandchildren, because if she can do this to us we can do this again. She work from home with computers she has to be stopped, please. 
Thank You, we really need your intervention. 
XXXX XXXX XXXX XXXX XXXX XXXX  My daughters info is : XXXX XXXX XXXX XXXX Banking : Chime Bank XXXX XXXX XX/XX/year> File at morgue : XXXX XXXX XXXX XXXX on the case XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Multiple accounts are being reported in my name without my authorization or knowledge. I did not open, authorize, or manage these accounts, and their presence on my credit report is inaccurate and unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OH

Complaint narrative:
No amounts were taken my account shut down for no reason and the company is failing to tell me what the issue is an they closed my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this formal dispute regarding the continued reporting of late payments on my credit file related to an account opened on XX/XX/year>, with a balance of {$500.00}. 
According to the information currently reflected on my credit report, this account is marked as having the following late payment history : 30 days late 2 times 60 days late 1 time 90 days late 1 time Despite these negative entries, the account is simultaneously marked as being in good standing. I have made multiple good faith attempts to have these late payment notations corrected or removed with the furnisher and the credit reporting agencies, but they continue to inaccurately reflect a derogatory payment history.

Under 15 U.S.C. 1666b of the Fair Credit Billing Act ( FCBA ), a creditor may not treat a payment as late unless : The creditor has provided a statement for that billing period at least 21 days before the payment due date, and The consumer failed to make the required minimum payment by that due date.

To this day, I have not received any verifiable evidence from the data furnisher or credit bureau proving that the late payments in question were reported in compliance with the above statutory requirements. If the creditor failed to adhere strictly to these notice timelines and can not provide documented proof, the reporting of these late payments violates federal law and must be promptly removed.

Furthermore, continued reporting of these derogatory marks despite multiple dispute attempts may constitute willful noncompliance under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to investigate and remove unverifiable or inaccurate information in a timely manner.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and ensure that these potentially unlawful and harmful late payment entries are removed from my credit file. The inaccurate reporting is not only misleading but continues to cause me financial and reputational harm.

Please find attached supporting documentation regarding my prior disputes and the account details. I am requesting full deletion of the late payment notations from my credit report in accordance with federal law.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiries are not authorized. Please remove it from my credit report immediately XXXX XXXX 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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I just got a letter saying Pre legal notice for non-payment of debt.

Company response to consumer: Closed with non-monetary relief