vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX ( XXXX ), which has reported a debt/account that does not belong to me. Their actions appear to violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) : Key Legal Violations : 1.FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX has reported information that they know or should know is inaccurate. This account is not mine, making the reporting a clear violation. 
2.FCRA 623 ( a ) ( 2 ) After disputing this debt, XXXX XXXX has failed to investigate and correct or delete the inaccurate information. Continuing to report this incorrect data is a violation. 
3.FCRA 623 ( a ) ( XXXX ) XXXX XXXX has not flagged the account as in dispute while investigating, as required by law. 
4.FCRA 605 If the charge-off has been re-aged or incorrectly reported to extend the reporting period, it violates the statutory time limits for negative information. 
5.Unauthorized disclosure By selling or passing my personal information tied to a false debt to a third-party debt buyer, XXXX XXXX has potentially committed unlawful dissemination of inaccurate consumer information. 

Impact : My credit report now contains inaccurate information. 
This has negatively affected my credit score and my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I had seen a XXXX XXXX XXXX car being sold on XXXX XXXX  for {$800.00} on XX/XX/XXXX. I contacted the seller on messenger about my interest in purchasing the vehicle. We agreed to meet in person and create a contract on the sale of the vehicle. The contract stated I would pay a {$200.00} deposit on XX/XX/XXXX and then I'd pay the remaining balance of {$600.00} on XX/XX/XXXX. Upon full payment on XX/XX/XXXX In return the seller would give me the car, car title, and keys on XX/XX/XXXX. Upon creation of the contract We took pictures of each others IDs and the title and exchanged phone numbers. I paid the {$200.00} deposit to the seller as agreed on XX/XX/XXXX and we went our separate ways. On XX/XX/XXXX I notified the seller I was ready to pay the remaining balance as agreed in the contract, the seller told me to send over the payment and they'd have the car delivered as we agreed in the contract. I sent the {$600.00} on XX/XX/XXXX. The seller also then informed me with the {$200.00} deposit I made that they had fixed the XXXX XXXX  that was needed for the car to run as should, and asked if I could split the price with them which would be {$100.00}, I agreed and sent {$100.00} extra on XX/XX/XXXX. After receiving {$900.00} in total from me the seller became very unresponsive and when they did respond kept giving different times the car would be delivered on XX/XX/XXXX, which the seller never followed through with as contracted. I called over XXXX times and sent over XXXX text messages asking for a refund since the terms of the contract weren't met and the seller completely ghosted me. I immediately disputed the charges with cash app since I did not receive the product I paid for from the seller, but I've been getting the runaround from the company even though I have all the proof that the seller never held their end of the contract of sale. Ive reported the seller to the police and XXXX since I have their identification card, contract, and all of our correspondence in messenger and text messages. As of XX/XX/XXXX, Cashapp has denied my dispute for the {$600.00} I paid on XX/XX/XXXX for the car i didnt receive, but they have accepted the dispute for the {$200.00} deposit I made on XX/XX/XXXX, for the same car i didnt receive. They are claiming they have no proof that I was scammed out the {$600.00}, but It doesn't make sense if I'm being refunded the {$200.00} deposit for the same car I never got from the seller. I have all the proof the seller ghosted me after I made the final {$600.00} payment for the car. Just as I had the proof I made the intial {$200.00} deposit for the car. If they are able to refund the {$200.00}, im not seeing why they are denying the {$600.00} dispute when this all ties together as the car was {$800.00} in total. I paid and didnt receive the car the seller ghosted me after the final {$600.00} payment nit following the contract we made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I disputed payment history for my XXXX  account. As I got this account current in XX/XX/year>. XXXX still reported incorrectly late/past due to all XXXX bureaus I disputed with all XXXX  credit bureaus and contacted " XXXX. 
Experian refuse to provide me verification and documentation show a willful non compliance with FCRA 1681 n and 1681 They just show heres a copy of my credit report which is not proof. 

I provided them proof with a letter by XXXX saying my account Stus was updated to current on XX/XX/year> They did not update this to credit bureaus as Im still shown late for 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 2025-09-25 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: VA

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for 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 or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey Financial called me and I returned there call trying to make payment. I called back around 5 times customer service keeps be rude to and very unprofessional. I keep getting transferred around and unable to make a payment online.

I filed a Small Lawsuit against Monterey Financial because they are not allowing me to make a payment online and customer service keeps refusing to take my.I should not be responsible for debt and punishment with negative credit reporting if I can not make a payment with customer service.Small claim lawsuit filed to forgive debt on my XXXX XXXX account due them refusing my payment when I call in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
The amount is {$590.00} dollars that the company Central Portfolio Control, which continues calling me day and night, indicates that I own for a supposed medical visit to I don't know where, can not be correct since I have never been without medical insurance. And I never received any email or mail about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

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 four 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  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 US 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
for several months I've been trying to get capital one to stop reporting erroneous information from my credit file. I've spoken with XXXX XXXX and they said that I've to submit a dispute so they can report it with the credit bureaus. I've done this however my file has not been updated.

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 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi was going to the Chase atm in a chase brance at XX/XX/XXXX XXXX to deposit my XXXX and I made XXXX transactions and this machine takes up to XXXX deposit per transaction first was bunch of XXXX dollar bills which processed XXXX and second was bunch of XXXX dollar bills which also got processed XXXX, and the last transaction when I deposit I counted XXXX and deposit this money it popped up whether if I want to deposit this or deposit more which I put in the rest of the money in but I forgot there is a limit for the machine that you cant exceed XXXX per transaction and I think I did which the machine went wrong and gave me a receipt and I called them XXXX mins after i settled everything on the car frustrating, and they told me to wait till the investigation team come finds out I been waiting one month and I keep checking the status on them they just told me to wait every time and finally is the day before the claim expires I call them they told me XXXX is what they found only there was no missing money and they cant do anything but I know this isnt true because I clearly remember the details when I deposit my money is definitely more than XXXX maybe XXXX  more there is no way just XXXX and they told me they cant do anything with it thats why Im trying to file a claim at here to help me please understand me and help me thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CCS Financial Services, Inc.
State: CT

Complaint narrative:
On about XX/XX/year> account from Credit Collection Service appeared on my credit report I'm unaware of this account I believe the Collection agency violated the law I never lived at the address that they have on filed which resulted in my information going to collection without me knowing about it. No Validation Notice with specific information about the debt was send to me. Which is unfair practice with Fair Debt Collection Practice Act. I disputed the account with XXXX XXXX XXXX  and they deleted it off my credit report immediately due to incorrect address and other factors

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

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

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

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
A collection account from XXXX XXXX XXXX  for {$890.00} appeared on my TransUnion report on XX/XX/year>. I have no knowledge of this debt. It appears to be connected to the recent XXXX data breach and is the result of identity theft. 

I disputed the account with Dispute ID XXXX This inaccurate account is harming my credit and has also appeared on my other reports.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I applied for the Capital One Savor card in XX/XX/year> through Capital Ones website. The application page clearly advertised a sign-up bonus ( welcome offer ) as part of the product. This promotional offer was the decisive reason I applied I was approved, received the card, and met the spending requirement within the specified timeframe. Despite this, no sign-up bonus was credited to my account. 

When I contacted Capital One, I was first told by customer service that the bonus can take time to appear. Later, I was told that I had applied for a different version of the Savor card ( Savor Rewards for good credit ) that does not include a bonus. At no point during the application process or in my approval email was I informed that there were multiple versions of the card with materially different terms. The page where I clicked Apply explicitly displayed the welcome offer. 

I escalated the issue to a more senior representative, who maintained that I applied for the no-bonus version. This explanation does not make sense given what was advertised on the page where I applied. I was never notified during the application process that I was being approved for a product that excluded the advertised promotional terms. 

I believe this constitutes misleading advertising and a failure to deliver on advertised promotional terms. I am requesting that Capital One honor the welcome bonus that was clearly advertised at the time I applied, or otherwise address this deceptive presentation of multiple Savor card products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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