vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-09-04 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX -Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX - Balance {$17000.00} Account Name : XXXX XXXX XXXX  # XXXX -Date Opened XX/XX/XXXX - Balance {$6200.00} Account Name : XXXX XXXX XXXX XXXX XXXX -Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX 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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
I have a business account with Revolut XXXX  since 2022. This was a free account that I used just a couple of times. I received a notice of overdraft. Upon checking the account, Revolut unilaterally decided to start charging a $ XXXX  monthly fee. This emptied the account and ran it into overdraft. 
Upon contacting the bank, they told me that they started charging for that account and that they sent me an email. I explained that I never saw an email and that I never agreed to a paid account. I asked that the account be closed asap, and the funds refunded. 
They refused. 
Eventually I was able to close the account, but they never refunded the fees that they abusively took from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts on my credit file. These accounts are all claiming to own the same debt with an outstanding balance. As you are aware, reporting the same debt under multiple furnishers is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

XXXX XXXX  XXXX XXXX Account Number : XXXX Account Balance : {$8500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$300.00} Open date : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$480.00} Open date : XX/XX/XXXX XXXX Account Number : XXXX Account Balance : {$440.00} Open Date : XX/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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts on my credit file. These accounts are all claiming to own the same debt with an outstanding balance. As you are aware, reporting the same debt under multiple furnishers is inaccurate, misleading, and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

XXXX XXXX  XXXX XXXX Account Number : XXXX Account Balance : {$8500.00} Open Date : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Account Balance : {$300.00} Open date : XXXX XXXX XXXX Account Number : XXXX Account Balance : {$480.00} Open date : XX/XX/XXXX XXXX Account Number : XXXX Account Balance : {$440.00} Open Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 2025-09-04 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:
To whom it XXXX concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I recently received a Best Buy Visa card in the mail and was very confused, as I NEVER applied for or requested this card. To clarify the matter, I contacted both Best Buy 's credit card department and Citibank. I was informed that my original store card had been closed and replaced with the XXXX card. I made it clear that I did not authorize or approve this change. 
They explained that a letter was supposedly mailed in XXXX notifying certain customers of this " upgrade '' to the XXXX card. However, I NEVER received such a letter. What I do find concerning is that I did receive the new XXXX card in the mail, but not the letter explaining the change. Additionally, my store card was closed without my consent, and this action has now negatively impacted my credit. 
Because of this, I now have a closed account on my credit report, which has lowered my score, and the issuance of the new XXXX card has created another negative impact. In effect, this has left me with multiple hits to my credit-an account closure, a new account opened, and the potential need to close yet another account if I don't wish to keep this XXXX. This situation feels like a no-win scenarion for me as the consumer. 
When I asked about solutions, I was offered none. I find this deeply troubling, as I am sure I am not the only customer affected this way. I respectfully ask for your help in looking into this matter to prevent other consumers from experiencing the same adverse effects. 
Respectfully submitted.

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 2025-09-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA XXXX To Whom It XXXX Concern, I am writing to formally dispute inaccurate, inconsistent, and/or incomplete information being reported on my Equifax credit XXXX. As you are aware, the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to maintain maximum possible accuracy of the information they report. I am also invoking my rights under the Uniform Commercial Code ( UCC ) regarding contractual obligations. 
The following accounts contain errors : XXXX. * * XXXX XXXX XXXX * * Equifax reports this account as Pays as agreed. However, TransUnion reports this account as 30 days late in XX/XX/XXXX. These reports can not both be accurate. XXXX. * * XXXX XXXX XXXX * * Equifax lists this account as a repossession. TransUnion lists it as a voluntary surrender. Repossession and voluntary surrender are materially different and can not both be correct. XXXX. 
* * XXXX XXXX XXXX * * This account is reported by Equifax as a charged-off account with a balance of {$13000.00}. However, it does not appear on my TransUnion report at all. This inconsistency requires correction or deletion. XXXX. * * XXXX XXXX * * Equifax reports this account as charged-off and active, while TransUnion shows XXXX as closed in XXXX. The account status is inconsistent. XXXX. * * XXXX XXXX Bank * * Equifax shows continuing charge-off activity into XXXX, while TransUnion shows XXXX account was closed XX/XX/XXXX. This is conflicting and misleading. XXXX. * * National Credit Adjusters ( XXXX ) * * Potential duplicate collection accounts are being reported across bureaus, which violates FCRA 607 ( b ).

These inconsistencies are damaging my creditworthiness and violate the accuracy provisions of the FCRA. I am requesting that Equifax conduct a full reinvestigation and either ( XXXX ) provide documented proof verifying the accuracy of the reporting from the original creditor/collector, or ( XXXX ) delete the inaccurate tradeline ( XXXX ) immediately. 
If verified, please provide the XXXX of XXXX ( MOV ) as required under FCRA 611 ( a ) ( 7 ). If you can not provide documented proof, the accounts must be removed. 
Please complete your investigation and provide me with a written response within 30 days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$420.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX & XXXX XXXX Account XXXX XXXX XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CarMax, Inc.
State: FL

Complaint narrative:
This is related to a previous complaint XXXX. Carmax overnighted a refund check to me for the correct amount. When I received the check I deposited it into my savings. To my surprise I received a notice that the check was returned unpaid because there was a stop payment placed on the check by Carmax. Obviously I was frustrated and when I called CARMAX finance the rep was apologetic and explained what happened and stated another check was being sent out. That was XXXX weeks ago. I called today to see where my check was and I was informed that the previous rep misspoke and that it can take a month to get to me. Just for context, I traded the car in question in on XX/XX/XXXX. So it has taken CARMAX 4 months to pay what they owe me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I discovered the presence of bankruptcy entries that should not appear on my credit file. After researching applicable consumer protection laws, I have determined that the reporting of these bankruptcies XXXX constitute a violation of my rights under the Fair Credit Reporting Act, specifically regarding the unauthorized disclosure of my personal information. These bankruptcy entries appear to be the result of identity theft, as I never filed for bankruptcy nor authorized anyone to do so on my behalf. The presence of these fraudulent entries has caused significant damage to my credit profile and has negatively impacted my ability to obtain credit, secure housing, and achieve my financial goals.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a fraudulent account appearing on my credit report. I did not authorize, open, or maintain this account. Its reporting is false, misleading, and harmful to my financial reputation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
recently had bill pay go through a day early leaving account low. contacted capital XXXX about this and was told to dispute it and it would take XXXX business days to resolve. 
also I was told to cancel bill pay in the app. Tried to do so. It states in app to cancel entire series of payment but only cancels the next upcoming payment. 

This has happened again today and still no resolution currently leaving me unable to pay my utility bill leaving my account with {$20.00} i stated to them that the transactions were showing pending and was told there is nothing that could be done and would have to wait for payment to process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: MD

Complaint narrative:
I opened a Netspend XXXX Account under a promotional offer that promised a {$200.00} bonus if I completed direct deposits of {$400.00} or more within 60 days of account opening. I have attached a copy of the promotional advertisement and the terms and conditions. 

I met all the requirements of the promotion, including completing the required direct deposit, but the {$200.00} bonus has not been credited to my account. According to the terms, the incentive should have been applied within XXXX business days after the qualifying direct deposit. 

I contacted XXXX regarding this issue but did not receive a resolution. I am requesting assistance to ensure that Netspend honors the promotion as advertised and credits the {$200.00} bonus to my account.

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 2025-09-04 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: MS

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 ( 1 ) 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