vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: DISCOVER BANK
State: NY

Complaint narrative:
My Discover debit card expires on XX/XX/year>. A replacement card was issued and mailed on XX/XX/XXXX, but it was sent to an old address where I no longer reside. I repeatedly contacted Discover through the secure bank portal requesting that the card be reissued to my correct address. However, I was told that because my account is in a negative standing, a new card would not be sent until after my next payday when the account is current. 

This has created a serious issue. Discover requires me to wait to receive my debit card even though overdraft protection and opt-in services are features that are specifically provided for situations when funds are temporarily unavailable. By restricting my account access and preventing me from receiving my replacement card, Discover has effectively blocked me from using the very services that were advertised to support customers during such times. 

I have never encountered this type of treatment with any other financial institution. Even one of your customer service representatives acknowledged my concerns and stated they would escalate my feedback to their supervisor or CEO.

I am formally requesting that Discover : 1. Reissue and mail my debit card to my correct, updated address immediately.

2. Provide clarification as to why my account access was restricted despite overdraft/opt-in protections.

3. Review this policy so that other customers are not unfairly denied access to essential banking services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
gm financial leased a XXXX XXXXXXXX and they did not get the paystub to us on time as it was returned an error of address as they we only get mail through a XXXX XXXX XXXXXXXX XXXX we called and on XXXX spoke with XXXX ( XXXXXXXX XXXX XXXX ). on that day we made an agreement thinking that the XXXX was our payment fpr XXXX and XXXX did not disclose it was be taken for XX/XX/2025 rears, and we made a agreement with her to pay XXXX XXXX extra on top of our XXXX making the total XXXX for XXXX months. XXXX did not disclose it would affect the credit score as a late payment, being we made arrangement to catch up from their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CapitalOne closed a credit card of mine years ago. I used the card for many years without any issues, but one day they decided to just close it and never gave an explanation. When I called they refused to tell me why. Years later I was at XXXX XXXX and was offered 10 % cash back with their credit card, so I applied as it would be around {$500.00} cash back for my large purchase. I wasnt aware it was capital one, and capital one approved my account. About 1-2 weeks later CapitalOne closed my account without any reason, they also forfeited all of my cash back rewards as a result. I did nothing wrong. I called and asked why my account was closed and they told me I couldnt know even if I got a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I have paid my Apple Card off and the balance states it is XXXX however under my credit report it still states balance is XXXX I need this removed it has been almost a month since it has been paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I WENT ON XX/XX/XXXX TO XXXX XXXX XXXX XXXX  AT XXXXXXXX XXXX  I DID NOT BUY GAS, I WENT INSIDE TO BUY SOMETHING ELSE, AND SINCE I DIDNT HAVE ENOUGH MONEY I TOLD THE CASHIER TO CANCEL THE TRANSACTION, AND SHE DID IT RIGHT AWAY. AND TILL THIS DAY I HAVENT RECEIVED MY MONEY BACK, I CONTAC CASH APP AND THEY SAID THAT THE MERCHANT PUT A HOLD ON MY TRANSACTION, SOMETHING THAT IS NOT TRUE, TOTALLY FALSE, I went in three occasions to the merchant XXXX XXXX XXXX XXXX, and the manager said that they dont hold any money from Customer that when they canceled the transaction money should be back in your account within a few minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXXXXXX Consumer Date of Birth : XX/XX/XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sold my XXXXXXXX XXXX XXXX to XXXX, who paid off my Ally Financial loan in full. Despite receiving the payoff, Ally displaced the payment, created a false balance, and reported a late payment to all three credit bureaus. 

I sent Ally a certified dispute package with proof of the XXXX payoff before any alleged delinquency. Ally therefore had actual knowledge the account was satisfied. After my disputes, both XXXX  and XXXX  removed the late, and on XXXX XXXX XXXX XXXX  also updated the account to Current. 

However, on XX/XX/XXXXXXXX XXXX XXXX Ally reinserted the same false delinquency on XXXX, showing the account as late with a false balance of {$780.00}. This is unlawful reinsertion under the Fair Credit Reporting Act ( FCRA ). 

Ally has also contradicted itself in communications : at times calling the XX/XX/XXXX due date 2 months late, other times 30 days late, and most recently emailing me that it was 42 days late. These shifting explanations prove Ally does not maintain accurate records and is knowingly furnishing false data. 

This false late payment is actively harming me during a VA home loan closing. Allys actions are reckless, unlawful, and have put me at risk of losing my home purchase.

In addition, XXXX, XXXX, and XXXX  failed to ensure maximum possible accuracy under the FCRA by allowing Allys false delinquency to appear or reappear on my credit reports without proper notice or investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: CO

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report. I did not authorize these inquiries, and they were made without my permission. Under the Fair Credit Reporting Act ( FCRA ), a credit inquiry requires explicit consent. Since I did not provide such consent, I request that you investigate this matter and remove these unauthorized inquiries from my credit file immediately. 
The following inquiries were not authorized and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am a victim of identity theft, as documented in my FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXX ), which is enclosed for your review. 
Please confirm in writing that these inquiries have been permanently removed from my credit report.

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 2025-09-07 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:
To Whom It May Concern I am submitting this formal complaint under the Fair Credit Reporting Act regarding multiple inaccurate addresses, late payments, charge offs, and collections appearing on my credit report. These entries are unverifiable, misleading, and violate federal law. I request immediate reinvestigation and permanent deletion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Address Issue Duplicate and improper reporting Law FCRA 607 ( b ) applies Story This is a duplicate listing of the same incorrect address, creating misleading redundancy on my credit file. Duplicate reporting exaggerates negative information and must be removed XXXX  XXXX Open Date XX/XX/XXXXXXXX  Balance {$3700.00} Late Payment Issue Unverified late payment Law FCRA 623 applies Story XXXX  reports a late payment without providing signed agreements, billing statements, or proof of notice. Reporting unverifiable late payments misrepresents my credit history and violates federal law. This item must be deleted XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX High Balance {$19000.00} Collection Issue Unverified collection Law FCRA 607 ( b ) applies Story XXXX XXXX XXXX reports a collection without providing verification of ownership, contract, or balance. Reporting unverifiable collections violates federal law and must be removed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX  High Balance {$3000.00} Collection Issue Improper collection reporting Law FCRA 611 applies Story XXXX XXXX XXXX reports a collection without providing assignment documents, contracts, or balance validation. Reporting unverifiable collections misrepresents my credit profile and violates federal law. This account must be deleted Final Statement Under FCRA 607 ( b ), 611, and 623 all addresses, late payments, charge offs, and collections listed above are inaccurate, unverifiable, and harmful. The credit bureaus are legally obligated to reinvestigate and delete any unverifiable or misleading data. Continued reporting without proper verification constitutes willful noncompliance and violation of consumer protection laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: AR

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report under FCRA 611 ( 15 U.S.C. 1681i ). I provided supporting documentation proving the information was incorrect, yet the credit bureau failed to conduct a reasonable reinvestigation within the XXXX statutory period. Instead, the disputed information remains on my report without any meaningful changes or explanation. This is a direct violation of my right to a timely and thorough reinvestigation. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

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 2025-09-07 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: TX

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Hi CFPB, I am submitting this complaint regarding XXXX XXXX. For an extended period of time, I have been unable to access my credit report through their platform. Every time I attempt to log in or verify my identity, XXXX XXXX sends a code to my phone but when I enter the code, it always shows as invalid. 

This has been happening repeatedly, and despite trying multiple times over a long period, I still can not access my credit report. This is extremely frustrating and has prevented me from reviewing important information about my credit. As a consumer, I should have straightforward access to my credit information, but XXXX XXXX has made this process unnecessarily difficult.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV FUNDING LLC. OPENED A COLLECTIONS ACCOUNT XX/XX/XXXXXXXX  AND REOPENED THE COLLECTIONS ACCOUNT XX/XX/XXXXXXXX XXXX XXXX 
I DID NOT OPEN THIS ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
Here is where XXXX goes nuts due to the Flood Insurance they add to my account. Look at the first PDF file. On that page under Payments/Fees second paragraph. You will see where my payment goes from XXXX to {$1100.00} for the month of XXXX, then in XXXX payments goes down to {$960.00} but again they haven't adjusted the payment back to {$750.00}. 

The next PDF file is the history of loan starting XX/XX/XXXX thru XX/XX/XXXX. You can see by the payments that I am up to date. NOT be hide! 

And finally adjust the XXXX and XX/XX/XXXXXXXX  payments back to {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: GA

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report. I did not authorize these inquiries, and they were made without my permission. Under the Fair Credit Reporting Act ( FCRA ), a credit inquiry requires explicit consent. Since I did not provide such consent, I request that you investigate this matter and remove these unauthorized inquiries from my credit file immediately. 
The following inquiries were not authorized and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I am a victim of identity theft, as documented in my FTC Identity Theft Report ( Report Number : XXXX, dated XX/XX/XXXX ), which is enclosed for your review. 
Please confirm in writing that these inquiries have been permanently removed from my credit report.

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 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am no longer an authorized user on this account. This account should not be appearing on my credit report.

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by XXXX XXXX and TransUnion. 

The account in question ( XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX ) was opened on XX/XX/XXXX, with the last payment on XX/XX/XXXX, and closed on XX/XX/XXXX. 

Despite this, TransUnion is reporting recent activity as of XX/XX/XXXX, showing the account as a charge-off with a {$320.00} balance. This is illegal re-aging of the account, which misrepresents the status of the debt and violates the Fair Credit Reporting Act ( FCRA ). 

I request that TransUnion correct this reporting immediately or delete the account entirely. 

Attached are supporting documents including my credit report showing the original account closure and last payment dates compared to the recent re-aged 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 non-monetary relief