vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and misleading reporting by Capital One Spark Business Credit Card on my personal credit report. 

In XX/XX/year>, Capital One reported my account as 30 days past due, which is completely inaccurate. I have carefully reviewed my account statements, and the facts are as follows : My XX/XX/year> statement reflects no past due balance. 

My XX/XX/year> statement also shows no past due balance. 

The XX/XX/year> statement reflects a past due amount, but all balancesincluding any past duewere paid before the due date, and the account was never 30 days past due at any point. 

Capital One has not furnished any statements to substantiate the claim that my account was past due by 30 days during XXXX, XXXX, or XXXX. 

Additionally, my credit report indicates that the account was closed in XX/XX/year>, but this is inaccurate as well. The account was actually closed by Capital One on XX/XX/year> due to suspected suspicious activity, not due to delinquency or consumer action. This discrepancy further demonstrates a pattern of inconsistent and erroneous reporting on my personal credit file. 

I have made repeated efforts to resolve this directly with Capital One. Each time, I am told to contact the credit bureaus. Conversely, the bureaus tell me that only Capital One can authorize removal of the inaccurate information. I have even spoken with a representative at XXXX who confirmed that unless a formal complaint is submitted to the CFPB, Capital One is unlikely to cooperate or correct these discrepancies. 

This situation is causing severe financial harm by negatively impacting my creditworthiness, despite my having fulfilled all payment obligations in a timely manner. 

I respectfully request that the CFPB investigate this matter and require Capital One to : Remove the inaccurate 30-day late remark, Correct the account closure date to reflect the actual closure in XX/XX/year>, Ensure my credit report is updated to reflect the accurate history and status of the account. 

Thank you for your time and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I hope this letter finds you well. I am writing to formally request the removal of several unknown items from my credit report. After reviewing my credit report, I noticed multiple entries that I do not recognize and did not authorize. These entries are causing me significant concern and have impacted my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Debt validation claim According to 15 USC 1692 I asked for the following 4 things : 1 Send me a full list of the payment history on the account. 2 I want to see the original signature. That
I agreed to on the contract.

3 Have there been any insurance claims find on the debt!

4 I want to see the Chain of Title to collect on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing this complaint regarding a personal loan originally serviced by Ally Lending ( now transitioned to Synchrony Bank ), for which I was promised a promotional interest-free period if the loan was paid in full within the designated timeframe. 
To meet this requirement, I set up automatic payments of $ 120/month. When I called Ally Lending to confirm the recurring payment amount, a bank representative verbally advised me to set the amount at {$120.00} and never mentioned that this would leave a {$9.00} balance unpaid by the end of the promotional period. This conversation occurred over the phone, so unfortunately I do not have a written record but I followed their instructions in good faith. 
By XX/XX/XXXX, I had paid {$2800.00} through autopay. I was never informed that my balance was {$9.00} short of the full repayment amount. Ally failed to notify me of this minor shortfall via email, phone, or account alerts. They inconsistently sent auto-payment reminders, sometimes skipping emails altogether, which caused confusion and made it difficult to track my balance despite making every payment on time. 
Then in XX/XX/XXXX, during what I now know was the final month of the promotional period, my loan was transferred from Ally Lending to Synchrony Bank. This ownership change further obscured the status of my loan and added another layer of confusion, ultimately preventing me from discovering and resolving the remaining balance before the promotional deadline. 
After the transfer, I learned that interest had been applied retroactively because of this {$9.00} shortfall. When I contacted customer service, they told me it was solely my responsibility to ensure the full balance was paid, regardless of the fact that I followed their payment guidance, used autopay, and never received clear notice of the underpayment or the promotional deadline. 
I believe Ally Lending acted in bad faith and did not reasonably inform me about my account status or the consequences of such a minor discrepancy. This {$9.00} should not have triggered full interest charges, especially given that I relied on their payment guidance and received no timely or clear communication.

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 2025-04-18 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$430.00} XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$730.00} XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX Balance : {$860.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Date Opened:XXXX Balance : {$430.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00}

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 non-monetary relief
Consumer complaint received 2025-04-18 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: CA

Complaint narrative:
My loan was discharged by the Federal Student Aid due to fraud by XXXX XXXX. Currently my balance is {$6500.00}. But they are still showing the full amount of {$56000.00} on Experian. I have disputed twice. But it remains the same on my report. I have several documents showing the amounts discharged, balances, the law suit filed against the school, and them saying they will report this to credit reporting agencies. However, Experian is saying that this what the Federal Student Aid is telling them. I would like to submit my documentation. I want my balance on my credit report to reflect what I currently owe. I do not owe {$56000.00} and my balance should be the {$6500.00}.

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 2025-04-18 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: CT

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. 

XXXX - XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-04-18 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 



And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Experian credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 



And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
My transunion account score drop by XXXX points on XX/XX/XXXX. When I asked why the customer service rep had not information of why. When I look at my report it said a XXXX was remove and cause the drop in credit score. When I asked how can removing a negative account cause the credit score to drop, They didn't know why

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 2025-04-18 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: NY

Complaint narrative:
I am filing a complaint against Equifax for their failure to properly investigate and resolve disputes regarding inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Below are the details of my issue : Initial Dispute : On XX/XX/year>, I mailed a dispute letter to Equifax via XXXX XXXX mail ( tracking number XXXX ). The letter requested an investigation into inaccurate information reported on my credit file, specifically regarding the account with XXXX XXXX ( Account Number : XXXX ). This account is reporting derogatory remarks that are incorrect. I requested that Equifax remove these derogatory remarks, update the account to reflect positive reporting as per FCRA guidelines, and delete any incorrect personal information listed on my credit report. I included all necessary documentation to verify my identity, including a copy of my drivers license, Social Security card, and proof of address, as required. 
Equifaxs Response : On XX/XX/year>, Equifax responded, stating, " We have received your request concerning inaccurate information on your credit file. Because the information you provided as proof of your identity does not match the information we currently have on your credit file, we ask that you send us a copy of XXXX different items- XXXX from each of the listed. '' I was disappointed by this response, as the requested identity verification documents were already included in my initial dispute letter. 
Second Dispute Attempt : To comply with their request, I mailed another dispute letter on XX/XX/year>, again including the requested documents : a copy of my drivers license, Social Security card, and proof of address. I reiterated my request for Equifax to investigate and correct the inaccurate XXXX XXXX account information and remove any incorrect personal information from my credit report. 
Equifaxs Failure to Respond : As of XX/XX/year>, Equifax has not provided any response to my XX/XX/year>, dispute letter. This exceeds the XXXX investigation period mandated by the FCRA ( XXXX XXXX. XXXX ), during which Equifax is required to investigate and respond to consumer disputes. Their failure to act constitutes negligence and a violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I got an email back saying my account will remain closed after review, but they didnt provide the reason why it was closed. I was suspected gambling, but there were no transactions on my account. The company will not let me access my funds, purchase stocks, or send money. Their support is not providing me with information or letting me back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently review my TransUnion Credit report and notice several inquiries that wasnt authorized. According to FCRA 604 - [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( I ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ). In accordance with the written instructions of the consumer to whom it relates.

( 3 ). To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer. 

XXXX XXXX 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 18 U.S. Code 1028A - Aggravated identity theft U.S. Code Notes prev | next ( a ) Offenses.

( 1 ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2025-04-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to express serious concern regarding my XXXX account associated with the email XXXX. My account was deactivated, and the balance of {$12000.00} has been held for over 180 days. 

On XX/XX/year>, I received an email from XXXX stating that the funds would be released within 2 days. However, as of today, more than 30 days have passed, and the funds are still shown as Suspended in my XXXX dashboard. 

There are no open disputes or chargebacks on the account, and I have fully cooperated with all previous review processes. I respectfully request that XXXX release my funds as soon as possible, as this delay is causing significant hardship. 

Please review my account and provide a clear update regarding the status of the balance. 

Sincerely,

Company response to consumer: Closed with explanation