vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 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: MI

Complaint narrative:
I am filing this complaint to report data breach and subsequent misuse of my personal information. My personal and/or financial information was compromised due to inadequate data security practices by the responsible entity. As a result, my information was accessed and used without my authorization. 

Following the breach, unauthorized activity occurred involving my personal data, including fraudulent transactions and/or account misuse. I did not give consent for my information to be accessed, shared, or used in this manner. 

This incident has caused financial loss, disruption of my accounts, time loss, emotional distress, and required corrective actions to secure my identity. I believe the responsible party failed to implement reasonable safeguards to protect sensitive consumer data and failed to prevent unauthorized access. 

I am requesting that the Federal Trade Commission document this incident, investigate the data security practices involved, and take appropriate enforcement action to prevent further harm to consumers.

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 2025-12-14 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: MI

Complaint narrative:
I am filing this complaint to report data breach and subsequent misuse of my personal information. My personal and/or financial information was compromised due to inadequate data security practices by the responsible entity. As a result, my information was accessed and used without my authorization. 

Following the breach, unauthorized activity occurred involving my personal data, including fraudulent transactions and/or account misuse. I did not give consent for my information to be accessed, shared, or used in this manner. 

This incident has caused financial loss, disruption of my accounts, time loss, emotional distress, and required corrective actions to secure my identity. I believe the responsible party failed to implement reasonable safeguards to protect sensitive consumer data and failed to prevent unauthorized access. 

I am requesting that the Federal Trade Commission document this incident, investigate the data security practices involved, and take appropriate enforcement action to prevent further harm to consumers.

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 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to dispute the closure of my Capital One credit card account and the subsequent assessment of residual interest fees. I have been a diligent customer who frequently utilized the available credit limit and paid the balance in full multiple times per billing cycle to maintain a good standing.

Despite my history of full payments, Capital One abruptly closed my account without prior warning. Following this closure, they have assessed a 'trailing interest ' fee of roughly {$11.00}. I believe this practice is unfair. I paid my statement balances in full as they were presented to me. The sudden closure of the account prevented me from managing or viewing this 'hidden ' interest accumulation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
ask for information the account and never heard back on it .. this looks like someone used my information..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: MI

Complaint narrative:
Experian is reporting a XXXX  XXXX bankruptcy and related public record information that does not belong to me. I disputed this bankruptcy and the associated accounts as inaccurate and not mine. 

During its reinvestigation, Experian removed multiple accounts that had been incorrectly associated with the bankruptcy, including a mortgage and an auto loan. This confirms that those accounts were not mine and were misattributed to my credit file. 

Despite determining that the accounts were not mine and deleting them, Experian continues to report the bankruptcy public record itself. The remaining bankruptcy entry is therefore inaccurate, unsupported, and the result of a mixed or misattributed credit file. 

Experian is required under the Fair Credit Reporting Act ( 15 U.S.C. 607 ( b ) and 611 ) to ensure maximum possible accuracy and to delete information that can not be verified as belonging to the consumer. Since the accounts tied to this bankruptcy were removed as not mine, Experian can not lawfully continue reporting a bankruptcy that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by XXXX  XXXX XXXX XXXX XXXX and Capital One concerning a charged-off credit card account. 

The account is reported as charged off and closed as of XX/XX/year>, yet XXXX  continues to report a revolving balance of {$910.00} along with ongoing monthly delinquency history, which is being used in credit utilization calculations. A charged-off, closed account should not be treated as an active revolving tradeline or contribute to utilization. 

I previously disputed this issue with XXXX, specifically requesting correction of the improper balance and utilization reporting. XXXX  verified the account without correcting the error and without conducting a reasonable investigation. This suggests reliance on automated verification rather than a substantive review. 

This reporting is misleading and inaccurate and violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation after dispute Because the account is charged off and closed, it should not report as a revolving account or inflate utilization metrics. If accurate reporting can not be verified, the account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: MO

Complaint narrative:
I've been using cash app for some time now, and this isn't rhe first time I've had issues with the app. They closed my account due to fraudulent activities going on, but that's not true at all, and they wouldn't tell me what the activities were. I send and receive money from family, friends, and my online casino games and that's it. The amounts that I'm getting is not even over {$80.00} at a time, so I don't understand why they closed my account, but don't want to tell me what the fraudulent activities are. It's not making any sense to me, at all. Then my balance was only {$0.00}, but now somehow my new balance is- {$160.00}, that's wrong and I know it. They've done something to my account and now I'm suffering for it, it's not adding up to me, but when I asked they wouldn't tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Urgent Request for Deletion of Inaccurate Information from Criminal Background Consumer Report Dear TransUnion Compliance Department, I am writing to formally dispute and demand the immediate deletion of inaccurate information on my TransUnion criminal background consumer report ( Report # : XXXX ) under my rights granted by the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Upon review of my report, I have identified multiple entries that incorrectly associate me, XXXX XXXX, with individuals named : XXXX XXXX XXXX XXXX XXXX XXXX These entries, including alleged criminal, public records, and sanction listings in XXXX XXXX FL and other jurisdictions, are entirely false and misleading. I have always maintained a clean record. The presence of these inaccuracies damages my reputation and can adversely impact my employment, housing, and other lawful activities. 

Action Requested : Conduct a full reinvestigation of the disputed information. 

Immediately delete all inaccurate or unverifiable records associated with my name from my TransUnion criminal background consumer report. 

Provide written confirmation once the corrections have been completed. 

I have enclosed copies of government-issued identification and proof of residence to verify my identity and differentiate me from the individuals erroneously associated with my record. 
Please be aware that failure to comply with the FCRA may result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action.

I expect a written response within 30 days, as mandated by federal law, confirming the deletion of these inaccuracies from my TransUnion criminal background consumer report. 

Sincerely, 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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: WI

Complaint narrative:
ON XX/XX/XXXX XXXX TEMPORARY CHARGES THAT ARE ALWAYS REFUNDED AT ONCE UPON CANCELLATION OF A RIDE ARE NOT BEING REFUNDED ; THIS DEPLETED MY BALANCE. 

ON XX/XX/XXXX DISCOVER INFORMED ME THAT THESE TRANSACTIONS, TEMPORARY HOLDS THAT DEPLETED THE BALANCE IN MY ACCOUNT, WOULD BE REVERSED BY XX/XX/XXXX. THIS IS 8 DAYS AFTER MY BALANCE WAS WITHHELD. 

TODAY, XX/XX/XXXX DISCOVER HAS NOT REFUNDED THE TEMPORARY HOLDS THUS IT HAS KEPT ME MORE THAN XXXX WERK WITHOUT ACCESS TO MY MONEY. 

THIS IS NOT THE FIRST TIME THAT DISCOVER PUTS ME IN A DIFFICULT SUTUATION - SEE XXXX XXXX BACK IN XXXX OF XXXX DISCOVER REFUSED TO SEND A REPLACEMENT CARD TO MY ADDRESS ON FILE FORCING ME THROUGH ORDEALS WITHOUT ACCESS TO THE MONEY IN MY ACCOUNT. THIS SITUATION LASTED FOR MONTHS - SEE CFPB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: TN

Complaint narrative:
I am filing this complaint regarding Equifaxs failure to ensure maximum possible accuracy and to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ) after I formally disputed late-payment information reported for a XXXX XXXX XXXX XXXX secured credit-line tradeline. 

On XX/XX/XXXX, I submitted a written dispute to Equifax concerning the XXXX XXXX XXXX XXXX secured credit line account ending XXXX. The account is reported as paid and closed with a XXXX balance, yet Equifax reports that the account was 3059 days past due at closure and includes a 30-day late-payment code in XXXX. In my dispute, I challenged the accuracy and verifiability of this late-payment notation, particularly given that the account functioned as a secured line of credit and includes narrative codes indicating principal deferred/interest payment only. 

Despite this notice, the 30-day late-payment notation remains on my Equifax credit report without documentation demonstrating that any required payment was actually more than 30 days past due under the controlling credit-line agreement. The Equifax file does not clearly reconcile the reported late-payment code with the applicable due dates, any principal-deferral or interest-only arrangements, or the actual payment-posting records. Reporting a delinquency without accounting for deferral terms or modified payment obligations is misleading and does not clearly reflect the accounts true performance. 

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their credit file. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy. Upon notice of a dispute, the furnisher, XXXX XXXX XXXX XXXX, is also obligated under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete information that can not be verified. 

The continued reporting of a 30-day late-payment code on a paid and closed secured credit linewithout documentation showing that a required payment was actually delinquentindicates that the disputed information has not been properly verified and does not meet the FCRAs accuracy requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
All companies have been contacted and reported with no resolution XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Opened : XX/XX/XXXX Balance : {$990.00} Midland credit management The bank of Missouri Opened : XX/XX/XXXX Balance : {$650.00} Midland credit management XXXX bank Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$510.00} Closed accounts XXXX XXXX Opened : XX/XX/XXXX Balance : {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$16000.00} XXXX  XXXX Opened : XXXX XXXX Balance : {$220.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
All companies have been contacted and reported with no resolution XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 
Opened : XX/XX/XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} Closed accounts XXXX XXXX Opened : XX/XX/XXXX Balance : {$780.00} XXXXXXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : {$16000.00} XXXX  XXXX Opened : XXXX XXXX Balance : {$220.00XXXX XXXX Ad astra recovery se XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dates that letters were sent out XX/XX/year> XXXX XXXX {$570.00} XXXX {$400.00} XXXX {$800.00} XXXX {$350.00}, {$500.00}, {$450.00} XXXX XXXX XXXX {$22000.00} XXXX & XXXX XXXX {$540.00} XXXX XXXX & XXXX {$1000.00} XXXX XXXX XXXX  {$740.00} XXXX {$1100.00} LVNV Funding LLC {$580.00} XXXX {$550.00}, {$710.00} XXXX XXXX XXXX {$830.00} These companies are violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer reports recently. 
I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation i have listed, they can either pay me directly or delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Recuvery LLC
State: TX

Complaint narrative:
Constant calls and text, XXXX + times a day, several days in a row. When specifically told to stop calling and texting XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
A fair resolution would be for Experian to immediately conduct a complete and reasonable reinvestigation of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX tradeline in full compliance with the Fair Credit Reporting Act. 

This reinvestigation should require XXXX XXXX  XXXX to provide complete documentation sufficient to verify the accuracy of the reported late-payment notations, including all billing statements for the months reported as XXXX or 60 days late, the contractual due dates and applicable grace periods for each billing cycle, and a full record of payments received showing the dates, amounts, and how each payment was applied. 

XXXX  must determine whether any payment was, in fact, more than XXXX or 60 days past due under the cardholder agreement and applicable federal billing rules. If XXXX XXXX  XXXX can not substantiate the reported late-payment codes with complete and accurate documentation, those late-payment notations must be deleted and the account history corrected to reflect accurate payment performance for the affected months. 

I am also requesting written confirmation of the results of the reinvestigation, an updated copy of my XXXX  credit report, and a description of the procedures used to investigate this dispute, including the sources and entities relied upon, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
Account was closed a few years back, tired to find out why or what the reason was for. Cash app failed to provide information, further more they claim I broke a violation but refused to provide any information on the notions. Its literally been nothing but discrimination against a person with XXXX. Im learning everyday, but I did not do any thing to get my account closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NJ

Complaint narrative:
AFFIDAVIT State of New Jersey County of XXXX I, [ XXXX XXXX ], being duly sworn, hereby declare and affirm as follows : Personal Information Full Legal Name : XXXX XXXX XXXX of Birth : XX/XX/year> Social Security Number ( last XXXX digits only ) : XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX Previous Address ( if applicable ) : XXXX Street, City, State, ZIP ] Purpose of This Affidavit This affidavit is made for the purpose of disputing inaccurate, incomplete, and/or unverified information appearing on my consumer credit reports maintained by the following consumer reporting agencies : Equifax Information Services LLC Experian Information Solutions , Inc .

TransUnion LLC Statement of Facts I have reviewed my credit reports from the above-listed consumer reporting agencies and have identified certain items that I believe are inaccurate, incomplete, obsolete, and/or not verifiable. 

* * Disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
under the Fair Credit Credit Reporting Act 611 ( a ) ( 1 ) ( A ) I am requesting a full reinvestigation of these accounts, the information being reported must be accurate, complete and verifiable, I have contacted the original creditor they have not provided any documentation, including my 1099c for all charge offs, my original signed contract proof of assignment, itemized history validation showing the amount is correct, without these the information can not be verified as required under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 5 ), the creditor is reporting a charge-off but they never issued a 1099-c,, which is required when a lender cancels or forgives a debt {$600.00} or more ( XXXX XXXX XXXX XXXX a creditor can not simultaneously claim a debt was charged off ( a loss ), fail to report the cancellation event to the IRSis required and still. claim the debt as valid and collectable. this inconsistency means the information is not reported in a clear, accurate and consistent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX for inaccurate credit reporting, failure to properly validate an alleged debt, and failure to conduct a reasonable investigation after disputes. 

The account reported by XXXX XXXX XXXX contains inaccurate and inconsistent information, including conflicting account status, reporting dates, and signs of re-aging. I have disputed this account previously, yet it continues to be reported negatively without documentation showing that a proper investigation was conducted. 

XXXX XXXX XXXX has failed to provide adequate validation of the alleged debt, including the original creditor documentation or evidence that the debt is accurate and legally owed. 

This conduct violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that this account be fully investigated and removed from my credit report if it can not be verified as accurate and complete.

Company response to consumer: Closed with non-monetary relief