vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-18 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: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate reporting by XXXX on my credit report. The reporting of late payments on my account is false and has caused undue harm to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) Section 609 and Section 611, I have the right to dispute any information that is incomplete, inaccurate, or unverifiable. XXXX has failed to provide accurate information despite prior disputes and has not corrected or verified the reported late payments in accordance with federal law. This false reporting violates my rights under the FCRA and has a direct negative impact on my financial opportunities, including credit approval, interest rates, and insurance considerations. I request a thorough investigation and removal of inaccurate late payment records to restore my credit profile accurately. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> | Balance Owed : {$0.00} | Reported : Late Payment This account is being falsely reported with a late payment, which is completely inaccurate and unverifiable. According to FCRA 602 ( A ) and 607 ( B ), all information furnished must be reported with maximum accuracy. Reporting a late payment on a zero-balance account is a direct violation of those provisions and misrepresents my payment history. I have never received any verification or proof from the furnisher showing an actual delinquency. Under FCRA 611 ( a ) ( 5 ), if the item can not be verified through original signed records or proper documentation, it must be deleted. The continued reporting of this unverified late payment violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from knowingly reporting inaccurate data. I am demanding that you obtain proper documentation from the furnisher as required under FCRA 611 ( a ) ( 2 ) ( B ). If this can not be done, you must delete this account immediately and provide me with an updated credit report reflecting its removal. 

Immediate investigation by CFPB into the reporting of this account, removal or correction of all inaccurate late payment information, written confirmation of changes made, and an assurance that future reporting will comply fully with FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was told u was eligible to open account they took my info and opened me an acct but after I tried depositing my payroll check and woukd take the. But than woukdnt be Able to do nothing acct was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: NJ

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 non-monetary relief
Consumer complaint received 2025-10-18 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I purchased an item from XXXX XXXXXXXX XXXX XXXX on XXXX for {$310.00} ( Order ID XXXX ). The seller later admitted the item was out of stock and never shipped it. However, they used a XXXX  tracking number ( XXXX ) from another persons package in XXXX, GA, which has nothing to do with me or my address in XXXX, GA. 

I filed a dispute with my bank ( USAA Federal Savings Bank, Dispute ID XXXX ), but the bank closed it incorrectly, claiming the package was delivered based on that unrelated tracking number. If USAA had contacted FedEx or checked the delivery address, they would have seen it was not delivered to me. 

I provided XXXX proof of delivery, detailed tracking, and screenshots showing the seller confirmed the item was out of stock and never shipped. The tracking used clearly belongs to a different shipment. 

I am requesting that USAA re-open the dispute, verify the delivery address on the tracking, and refund the full amount of {$310.00}. 

I believe USAA failed to conduct a proper investigation under Regulation E, which requires a good-faith examination of all evidence. The bank accepted invalid tracking information from the seller without confirming that it matched my address or my order.

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 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Cook Law Office PLLC
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX county court informed me the cook law office had a debt for me that needed to be paid. The county clerk gave me their number to call and set up payment plans. On XX/XX/XXXX, i called at XXXX, XXXX, XXXX. They informed me to fill out information on their website. On XX/XX/XXXX at XXXX, i submitted new submission from debtor payment agreement form to request payment plan and told them i could pay the same day. 
On XX/XX/XXXX i received an email from XXXX XXXX at the cook law office stating Thank you for your submission for payments of {$50.00} which is not an acceptable payment offer. 
Once an account comes to our office the client requires a payment and a half which would be {$150.00} per month as the payment on your contract is {$100.00}. We could set up an arrangement for payments of {$150.00} per month We do have a set schedule of payment dates of the XXXX, the XXXX, theXXXXXXXX and the XXXX of every month. 

You advised on your submission of the payment date of XX/XX/XXXX which was yesterday. 
You provided your employment as XXXX XXXX XXXX which we were advised in XXXX that you were no longer employed. 
Please advise of how we are moving forward. 

Thank you XXXX I replied back on XX/XX/XXXX at XXXX stating Im not employeed anywhere, i babysit kids at my home. I am able to move forward with monthly payments, please let me know how to set up, we can do the XXXX of every month On XX/XX/XXXX at XXXX XXXX XXXX said I will have to contact your client regarding your request to make payments of {$50.00}. 

If there is an amount that's between {$50.00} a month and contract amount of {$150.00} please advised. 

Thank you XXXX I replied on XX/XX/XXXX stating i can do XXXX XXXX monthly XXXX XXXX wrote back on XX/XX/XXXX The payment on your contact is {$100.00} which is an acceptable amount. 

We have a set schedule of dates for payment, the XXXX, the XXXX, the XXXX and the XXXX Please advise how we are moving forward. 

Thank you XXXX I relied on XX/XX/XXXX stating on the XXXX of each month No response was ever received from them after confirming date and payment amount so i reached back out on XX/XX/XXXX asking how to set this up. And i never got a response from them now they are garnishing my wages without even telling me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$260.00} XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$7600.00} XXXX  XXXX  XXXX  # XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cash app has been discriminating against me since my old accounts were hacked in to by some body I dont know and when I reported it to cash app and submitted it to them they still didnt believe me and they have been discriminating against me and harassing me by believing that the other person was me and keeping me from getting financial assistance from the only people who are trying to financially support me they insist on using their own cash app accounts to send it to me but they cant because cash app doesnt let me have a account and refuses to get all my old accounts deleted and my personal info deleted. For over XXXX months cash app has cost me a lot of grand mal sezuires and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: FL

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 2025-10-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX XXXX county court informed me the XXXX XXXX XXXX had a debt for me that needed to be paid. The county clerk gave me their number to call and set up payment plans. On XX/XX/XXXX, i called at XXXX, XXXX, XXXX. They informed me to fill out information on their website. On XX/XX/XXXX at XXXX, i submitted new submission from debtor payment agreement form to request payment plan and told them i could pay the same day. 
On XX/XX/XXXX i received an email from XXXX XXXX at the cook law office stating Thank you for your submission for payments of {$50.00} which is not an acceptable payment offer. 
Once an account comes to our office the client requires a payment and a half which would be {$150.00} per month as the payment on your contract is {$100.00}. We could set up an arrangement for payments of {$150.00} per month We do have a set schedule of payment dates of the XXXX, the XXXX, theXXXX and the XXXX of every month. 

You advised on your submission of the payment date of XX/XX/XXXX which was yesterday. 
You provided your employment as XXXX XXXX XXXX which we were advised in XXXX that you were no longer employed. 
Please advise of how we are moving forward. 

Thank you XXXX I replied back on XX/XX/XXXX at XXXX stating Im not employeed anywhere, i babysit kids at my home. I am able to move forward with monthly payments, please let me know how to set up, we can do the XXXX of every month On XX/XX/XXXX at XXXX XXXX XXXX said I will have to contact your client regarding your request to make payments of {$50.00}. 

If there is an amount that's between {$50.00} a month and contract amount of {$150.00} please advised. 

Thank you XXXX I replied on XX/XX/XXXX stating i can do $ 100 monthly XXXX XXXX wrote back on XX/XX/XXXX The payment on your contact is {$100.00} which is an acceptable amount. 

We have a set schedule of dates for payment, the XXXX, the XXXX, the XXXX and the XXXX Please advise how we are moving forward. 

Thank you XXXX I relied on XX/XX/XXXX stating on the XXXX of each month No response was ever received from them after confirming date and payment amount so i reached back out on XX/XX/XXXX asking how to set this up. And i never got a response from them now they are garnishing my wages without even telling me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX * * * * Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}

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 2025-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/year> I was charged and overdraft fee XXXX times on the same day, they are only to charge XXXX overdraft fee per day, I had a pending paycheck coming and they still charged me, I would like my XXXX $ back

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 2025-10-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: ADP Inc.
State: AL

Complaint narrative:
XX/XX/year> I called Wisely customer support to see why my card was locked. They told me because I pressed no on a confirmation text they sent to me. They sent that text to an old phone number that I no longer have access to. So I then, spoke with someone to update all my account information that very same day. They took all my documents and said everything should be updated my the next XXXX business days, it was not. Ive been calling them for XXXX weeks about this matter and theyre saying they havent received anything from me but they can see where I called previously. It doesnt make sense. I sent my social security card, state id and a utility bill and they still are not sending me my requested card. I need my card to pay bills. Everything is on hold because of them. I cant access my old card because its locked by Wisely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : Wells Fargo Bank , N.A . 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Formal Rebuttal to Case No. XXXX Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) Dear XXXX XXXX, I am in receipt of your response dated [ insert date of their letter ] regarding my Consumer Financial Protection Bureau complaint ( Case No. XXXX ). After reviewing your correspondence, I must formally dispute your conclusion and draw your attention to your obligations under 15 U.S.C. 1681s-2 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681s-2 ( a ) ( 7 ) Duty to provide notice of negative information a financial institution that furnishes negative information to a consumer reporting agency regarding credit extended to a consumer is required to provide a clear and conspicuous written notice to the consumer no later than 30 days after reporting such negative information. 

Your letter makes reference to alleged delinquencies reported for XXXX and XX/XX/XXXX. However, I have no record of ever receiving any written notice from Wells Fargo within the 30-day window following your decision to furnish these negative payment reports. This failure to

comply with the notification requirement constitutes a violation of 1681s-2 ( a ) ( 7 ) ( A ).

Please note that : This provision exists to ensure that consumers are properly informed when negative information is being furnished about them, giving them a fair opportunity to address or dispute the matter before long-term credit damage occurs. 

Simply including a general disclosure within the loan agreement or referencing internal policy does not satisfy the statutory requirement for written notice after negative information is furnished. 

Therefore, I am requesting the following actions : Provide documented proof that Wells Fargo complied with 1681s-2 ( a ) ( 7 ) ( A ) * * by furnishing timely notice * * to me following the reporting of the XXXX and XX/XX/XXXX delinquencies ; or If no such proof exists, immediately remove or correct all negative information related to this account from all consumer reporting agencies under your duty to report accurate and verifiable information ( 1681s-2 ( a ) ( 1 ) ( A ) ).

Please provide a written response within 15 days of receipt of this letter, as this matter remains under formal dispute and review with the Consumer Financial Protection Bureau. 

Sincerely, 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 2025-10-18 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX * * * * Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-18 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: MD

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX * * * * Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9100.00}

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 non-monetary relief
Consumer complaint received 2025-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I recently paid down two of my credit card balances, which both reported to TransUnion showing significantly lower utilization. However, instead of increasing, my credit score dropped by XXXX points. A score decrease after lowering credit card balances appears inaccurate and inconsistent with standard scoring behavior.

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