vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA FSB Inaccurate Late Payment Reporting USAA is reporting multiple late payments for XXXX on my active credit card account. These late payments are not accurate and can not be verified, yet the credit bureaus continue to report them. 

I requested verification from the bureaus under the Fair Credit Reporting Act ( FCRA 1681i ), which requires creditors to provide documentation proving the accuracy of each late payment entry. USAA has failed to provide any documentation showing : actual due dates the dates my payments were received proof of delinquency notifications billing records or statements Despite the lack of verification, the bureaus are continuing to report these late payments, which violates FCRA requirements for accurate, verified, and complete reporting. 

I am requesting CFPB assistance in requiring USAA and the credit bureaus to provide full verification or delete all inaccurate late payments from my credit files. 
Harm Caused These inaccurate negative marks are severely damaging my credit score, affecting my ability to obtain housing and essential services. I am simply requesting fair, accurate credit reporting as required by federal law.

Requested Resolution : Remove all unverifiable late payments reported by USAA. 
Remove the XXXX XXXX  charge-off if they can not provide complete, accurate verification. 
Ensure all credit bureaus update my files accordingly. 

Thank you for your assistance.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX  XXXX XXXX INQUIRIES : XXXX  - XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Every time I disputed the inaccurate account from XXXX XXXX XXXX XXXX this account came back validated without proper verification. 

Your response consisted of automated verified as accurate language with XXXX supporting documentation, which violates : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) obligation to conduct a reasonable reinvestigation 1681i ( a ) ( 2 ) ( A ) duty to forward all relevant information to the furnisher 1681i ( a ) ( 4 ) to review and consider all submitted evidence 1681i ( a ) ( 6 ) ( B ) ( iii ) to provide method of verification, upon request Instead, you relied on e-OSCAR automated parroting, which courts have repeatedly held is insufficient.

2. Continued Reporting After Failure to Properly Investigate = Willful FCRA Violation Because you are already aware you were sued, your continued refusal to : obtain original contract-level documents, validate chain of title or assignment, address the specific evidence provided, and correct or delete unverifiable information, constitutes willful noncompliance under 15 U.S.C. 1681n, and negligent noncompliance under 1681o.

3. DEMAND FOR ACTION ( Final Opportunity Before Additional Legal Remedies ) You are hereby given one more opportunity to avoid further litigation.

Within 15 days of receipt of this notice, provide : 1. A complete method of verification identifying : the individual who verified the account, the documents reviewed, the date/time of the investigation, and the verification process used.

2. Full documentation from the furnisher, including : original application/lease/contract, itemized charges, assignment contract or chain of title ( if applicable ), and any records used to verify the acc
ount.

3. Deletion of the account if verification can not be produced in full.

Failure to comply will result in expanded legal claims, including additional statutory damages, punitive damages, attorneys fees, and injunctive relief.

4. Cease Verified Without Change Automated Responses You are on formal notice that continued use of automated responses without an actual investigation is bad-faith conduct and will be submitted as evidence of willful violation.

5. Notice of Intent to Pursue Additional Damages If you fail to comply with this demand, I will proceed with : filing supplemental federal claims for ongoing violations, submitting state AG complaints, pursuing additional claims of willful noncompliance, and seeking sanctions for continued inaccurate reporting after litigation notice. 




Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing this complaint because I requested assistance from SoFi Bank regarding a missing ACH direct deposit that was sent in error to an incorrect account number. SoFi confirmed no deposit was received but declined to provide documentation or verification necessary to resolve the issue with the sender ( XXXX  XXXX XXXX XXXX XXXX XXXX ). 
A deposit for {$960.00} was scheduled on XX/XX/year> by the XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. The deposit was mistakenly sent using an incorrect account number : Incorrect account number provided : XXXX ( missing final digit ). 

I contacted SoFi to confirm whether : The incorrect account number exists in their system A deposit was attempted on XX/XX/year> Any ACH return was generated SoFi verbally confirmed there was no deposit attempt recorded and no evidence the funds ever reached SoFi systems.

Although SoFi confirmed the deposit did not reach my account, they have : Declined to provide written documentation confirming no ACH attempt was received Declined to verify whether the incorrect account number exists or is active Stated only the sender must " investigate further, '' without providing the records needed to complete that investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage feloniously has falsified financial records stating I applied for an administrative forbearance to XX/XX/year>- when in fact I have a document stating the total opposite that I had disaster forbearance. This document is attached for the Bureau. This financial crime perpetrated by Aidvantage has greatly hurt me and has shown Aidvantage engages in felony perjury to unjustly enrich themselves by willful fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Sunbit, Inc.
State: TX

Complaint narrative:
I noticed that Sunbit is reporting a charge-off on my credit report for the amount of {$920.00}. This information is inaccurate and does not match my records.I never own this account and its fraud. I contacted the company requesting verification and supporting documentation regarding this debt. I also requested that they correct or remove any inaccurate information they are reporting to the credit bureaus. The company has [ failed to respond/ responded but did not provide documentation/ continued reporting inaccurate information ] despite my request. To date, the company has not provided evidence that the reported charge-off is valid, accurate, or belongs to me. Because the information being reported is incorrect and is negatively affecting my credit, I am requesting that the company investigate this matter and remove the inaccurate charge-off from all credit bureaus. I am also requesting written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
Chime sent me a banking card without my consent. Not to mention, they got my name wrong on the card. When I called to cancel the account and card, they refused to cancel anything. When I ask why they sent me a card without me signing up for one, they refuse to explain that too. I highly suspect that they contribute to identity fraud as they are forcing me to bank with them with information that I never gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX for {$65.00} from XXXX XXXX  that I did not authorize. I was giving my money back from capital one for temporary credit. And now on XX/XX/XXXX I was recharged for the same amount shown as purchase adjustment. I as never contacted for any proof regarding my case. I was told my the company itself to contact my bank as they can not do anything about an unauthorized charged. I would like to reooe the dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.

Complaint narrative:
I am writing to file a complaint regarding Square 's unlawful withholding of {$1800.00} in merchant funds that belonged to my company, XXXX XXXX XXXX. 

Our Square account was deactivated on XX/XX/year>. On the same day, we received a notification from Square stating that the funds in our account balance would be held for 90 days and would be released to our linked bank account within two business days after XX/XX/year> ( which fell on or about XX/XX/year> ). 

However, as of XX/XX/year>, the full amount of {$1800.00} has not been released. Square has failed to honor its own clearly stated commitment regarding the fund release date.

Since the promised release date passed, we have contacted Square 's customer service multiple times ( on or around XX/XX/XXXX, and again in early XX/XX/year> ) to inquire about the delayed funds. In response, we only received generic template replies from their support team ( XXXX, XXXX ). These responses consistently stated that " no decision has been made on the funds yet, '' and that we must wait indefinitely for an internal team to contact us, without providing any valid reason for the further hold or a concrete timeline for resolution. Square 's customer service also explicitly stated that " there are no further steps we can offer at this time and we do not have a time frame to provide. '' Square 's actions constitute a breach of its own stated terms by withholding funds beyond the explicitly communicated 90-day period without justification. This practice is unfair and has caused significant financial inconvenience to our business.

We expect Square , Inc ( Block Inc ) to immediately release the entire {$1800.00} in accordance with its initial commitment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I placed an order through XXXX for physical goods totaling {$670.00}. This was a normal merchandise purchase. However, Capital One incorrectly classified this transaction as a cash advance and charged a {$20.00} cash advance fee, along with immediate interest accrual. 

I contacted Capital One to determine why a retail purchase was treated as a cash advance. Capital One informed me that this transaction was coded under XXXX XXXX, which is a XXXX  merchant category code used for cryptocurrency, money transfers, casino chips, stored-value reloads, and other cash-equivalent instruments. 

XXXX sells physical goods and does not use XXXX XXXX, nor is it permitted to process retail merchandise under that code. XXXX ( the payment processor for this transaction ) also does not change the merchants XXXX when passing transactions to issuers. Therefore, the misclassification originated with Capital One. 

Classifying a merchandise purchase as XXXX XXXX violates XXXX  XXXX XXXX, which require merchants and issuers to accurately represent transaction types and apply fees consistent with the correct XXXX. XXXX uses standard retail XXXX  ( e.g., XXXX, XXXX ), not XXXX codes. Applying XXXX XXXX to a retail purchase is inconsistent with XXXX  definitions and industry standards. 

More importantly, this resulted in an improper finance charge. Under Regulation Z ( Truth in Lending Act ), finance charges must be applied only to the type of transaction the cardholder actually performed. Charging a cash advance fee and immediate interest on a normal purchase violates this requirement because the transaction did not fall within the cards disclosed cash advance categories.

I attempted to resolve this issue by contacting all involved partiesCapital One ( issuer ), XXXX ( processor ), and XXXX ( merchant ). Capital One claimed the merchant caused the issue. XXXX stated they simply passed the merchants XXXX through. The merchant confirmed the transaction was a normal purchase. Ultimately, Capital One admitted the transaction was coded as XXXX XXXX, confirming the misclassification was on their end. 

This appears to be a pattern of behavior specifically affecting purchases on XXXX when paid through XXXX using a Capital One XXXX card. As a result, I was charged improper fees and interest. 

Thank you for your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
Hello, my name is XXXX XXXX XXXX who resides at XXXX XXXX XXXX # XXXX XXXX NY XXXX and I have personally typed this complaint to bring to your attention unauthorized negative accounts on my credit report. I will make sure they are included below. These have kept my score low and as a result I am unable to grow and improve my life as a soon to be mom because of credit denials in order to take care of my family. These accounts are false and misleading and have been created without my approval or signature. I do not recognize or approve of either. I have tried my best to resolve this with the credit agencies ( TRANSUNION, EXPERIAN ) but they refuse to help. I need these investigated and removed

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 2025-11-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I noticed that Toyota Motor TOYOTA MTR - XXXXXXXX XXXX XXXX XXXX XXXX is reporting a charge-off on my credit report for the amount of {$0.00}. This information is inaccurate and does not match my records. I contacted the company requesting verification and supporting documentation regarding this debt. I also requested that they correct or remove any inaccurate information they are reporting to the credit bureaus. The company has [ failed to respond/ responded but did not provide documentation/ continued reporting inaccurate information ] despite my request. To date, the company has not provided evidence that the reported charge-off is valid, accurate, or belongs to me. Because the information being reported is incorrect and is negatively affecting my credit, I am requesting that the company investigate this matter and remove the inaccurate charge-off from all credit bureaus. I am also requesting written confirmation once the correction has been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
The account listed is inaccurate and should not be reported under my name.

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 2025-11-20 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian, Equifax, and TransUnion contain multiple inaccurate, inconsistent, and unverified items that are damaging my creditworthiness and violating my rights under the FCRA, including 611, 623 ( a ) ( 2 ), 623 ( b ), 604 ( a ), and 605 ( a ). Experian is reporting incorrect addresses, including XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX, GA XXXX, along with an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/year> that I never approved, which raises concerns regarding permissible purpose under 604 ( a ). Equifax is listing addresses I have never lived XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX, GA XXXX also reporting accounts from Farmers XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that show conflicting dates of last activity, outdated information, and potentially inaccurate DOFDs in violation of 623 ( a ) ( 5 ) and 605 ( a ). TransUnion is reporting incorrect addresses such as 532 XXXX XXXX, GA XXXX and XXXX Florida XXXX, GA XXXX, as well as a collection account from PROF DEBT for the original creditor XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) with inconsistent dates, unclear balance validation, and potential violations under FDCPA 807, 808, and 809 due to lack of proper validation and misleading reporting. These errors across all three bureaus have created a false financial profile that misrepresents my identity and obligations, and despite my disputes, the information continues to appear without proper verification, violating their obligations to ensure accuracy under 607 ( b ). I am requesting the CFPB to review these discrepancies and hold Experian, Equifax, TransUnion, and the involved furnishers accountable for failing to delete inaccurate information as required under federal law.

Company response to consumer: Closed with non-monetary relief