vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
To Whom It May Concern, Subject : Formal Dispute of Inaccurate Late Payment Reporting Capital One Credit Card Account Name : Capital One Account Type : Credit Card Account Number ( Last XXXX Digits ) : XXXX I am writing to dispute a late payment that has been reported on my Capital One credit card account. According to my credit report, a payment was marked as late for the month of [ XXXX XXXX and XXXX XXXX, XX/XX/year> ]. However, I am including documented proof and receipts showing that this payment was made on time and processed within the billing cycle due date. 

Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), credit reporting agencies and furnishers of information ( in this case, Capital One ) are required to report accurate and verifiable information. Reporting a late payment that was actually paid on time is a direct violation of this federal law.

Furthermore, under Section 611 of the FCRA, I have the legal right to dispute any information I believe is inaccurate, and the credit reporting agency is obligated to investigate the matter and remove or correct any errors found. 

What Happened : I made my payment to Capital One on time and have included a copy of the payment confirmation/receipt showing the date, time, and amount. This supports that the late payment mark is incorrect. 

What I Am Requesting : I respectfully request that the credit bureaus and Capital One : Immediately remove the incorrect late payment notation from my credit report. 

Update the account status to reflect Pays as agreed or Current for the affected month.

Provide written confirmation once the correction has been made.

This inaccurate late payment is negatively affecting my credit profile and does not reflect my true payment history or financial responsibility.

Please investigate and correct this issue in accordance with the FCRA and notify me of the results of the investigation.

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding a closed credit card account that is still being reported on my XXXX credit file with an incorrect status and balance. The account was closed on XX/XX/year>, with a balance of {$340.00}, which exceeds the original limit of {$300.00}. This balance and status are inaccurate and misleading.

Furthermore, the account appears to have been re-aged and reported as recently delinquent, which violates the Fair Credit Reporting Act ( FCRA ), specifically Section 623, as the account is no longer open and should not reflect ongoing derogatory activity. 

I sent a certified dispute letter to XXXX XXXX on XX/XX/year>, requesting the full removal of this account from all credit bureaus. I have not received a proper response, nor have they validated the reporting. The continued presence of this negative and inaccurate item is damaging my credit and causing serious harm to my financial standing. 

I respectfully request that the CFPB require XXXX XXXX to delete this account entirely and notify all credit reporting agencies of the correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CashRepublic Holdings, Inc.
State: TX

Complaint narrative:
I am submitting a follow-up to CFPB Case # XXXX regarding my personal installment loan with Omni Financial ( Acct XXXX XXXX ). 

Omnis response confirmed that my loan was paid in full on XX/XX/XXXX, and I appreciate that acknowledgment. However, they are refusing to remove negative payment history that resulted from early delays and issues related to military allotment setup, which I attempted to use as my authorized payment method.

Under Omnis own agreement, they require the borrower to initiate allotment setup, but they offer no assistance or integration with military pay systems ( myPay ). This created a delay in processing, which led to early payment problems outside of my direct control.

I made a good-faith effort to correct the situation and ultimately made large lump-sum payments, fully paying off the loan early. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  currently working to qualify for a VA XXXX loan, and the negative marks stemming from XXXX are severely harming my credit despite my responsible repayment and early payoff. 

I am requesting that : 1. Omni re-review the early payment issues and consider whether they stemmed from allotment processing delays not caused by me, and 2. That they consider removing or updating those delinquencies as a goodwill adjustment or accurate context correction under their discretion as a furnisher of data to the credit bureaus.

I believe the companys rigid application of FCRA ignores the fairness principles intended to protect borrowers particularly veterans who make strong efforts to repay debt responsibly. I hope Omni will take a more compassionate and complete view of my credit profile, especially given my early payoff, continued credit protection plan payments with other creditors, and efforts to correct reporting.

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 2025-08-06 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:
These requests appeared suddenly and might not be compliant. Inspect the documentation immediately.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCP Holdings, L.P.
State: FL

Complaint narrative:
Received an alert that an installment loan was placed on my account today for Total Loan. Loan was for {$2000.00}. I did not take out this loan and dont know who this is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NJ

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

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 2025-08-06 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
Summary of Complaint I am filing this complaint against XXXX XXXX XXXX for violations of the Electronic Fund Transfer Act ( EFTA ) and deceptive business practices in connection with their " XXXX '' service and ACH withdrawal policies. 

Despite my repeated efforts to revoke authorization for a scheduled ACH debit under my rights as a consumer, XXXX, XXXX refused to honor my request, claiming the transaction was not eligible for cancellation due to their internal classification as a " one-time '' transfer. This is in direct conflict with EFTA 205.10 ( c ), which gives consumers the right to revoke preauthorized transfers at any time. 

Furthermore, their Terms of Service impose misleading and coercive restrictions on cancellation, including requiring XXXX business days ' notice and refusing to process revocations when there is an outstanding balance effectively nullifying a consumer 's right to revoke. 

Timeline of Events XX/XX/year> : I authorized a single-use transfer of {$150.00} via XXXX XXXX XXXX XXXXXXXX '' advance feature. 

XX/XX/year> : A withdrawal of {$110.00} was initiated by XXXX without my consent or notice. 

XX/XX/year> : A second withdrawal occurred for {$160.00} without a new authorization. 

XX/XX/year> : I attempted to revoke XXXX authorization through their app and customer service. 

XXXX denied my revocation request, citing a policy that they do not allow cancellation if an XXXX balance exists. 

Support emails explicitly state that " we can't complete this request '' and " we are unable to issue a refund. '' XXXX agents also falsely paraphrased my words in communications with my bank ( XXXX ), misrepresenting what I said during the dispute process. 

Key Legal Concerns Violation of EFTA ( Reg E, 12 CFR 1005.10 ( c ) ) : Consumers have the right to revoke authorization for recurring electronic transfers. XXXX refusal based on their internal categorization undermines this federal right. 

Misleading Terms of Service : XXXXXXXX XXXX  XXXX impose arbitrary conditions on revoking authorization, including requiring XXXX business days notice and denying revocation entirely if a balance exists. These restrictions are not compliant with federal regulation. 

Unfair & Deceptive Practices : XXXX intentionally blurs the distinction between " recurring '' and " one-time '' transfers to block revocations, enforce unauthorized payments, and bypass consumer protections. 

Denial of Refund & Coerced Payment : Despite disputing the transaction with my bank, I was instructed by XXXX that no refund would be issued and the charge would remain. This feels coercive and exploitative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I drove up to a drive of ATM at Bank of America in XXXX XXXX on XX/XX/year> deposited {$1700.00} cash into the ATM to which the ATM crashed midway through the transaction and instead of process {$1300.00} and need me to enter the remaining amount because it couldnt count it and then it printed out a slip that gave me a phone number that read XXXX which I called yesterday. The lady told me that I was calling the wrong department and I was on hold for 45 minutes for no reason to which I Hung up the phone and called back today XX/XX/XXXX and the lady/manager that I spoke to today told me that the information that I received on Saturday from the other manager was false and that it would not be in my account reflective of Tuesday, XX/XX/XXXX that instead it would take up to XX/XX/XXXX pending the Research for the funds to my hit my account. I have rent/bills to pay and Ive been waiting since XX/XX/XXXX for my {$1700.00} to hit my account XXXX It still has not as of XX/XX/XXXX. I have rent bills that are all gon na be late fees and my credit report and credit score is going to drop because of this, causing multiple financial hardships and issues for me all because of an ATM crashing, which was not my fault

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 2025-08-06 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: MI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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