vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  ) I have called this bank several times and gave them my information. I let them know these accounts were fraud and that they need to be removed. The address where the card was sent and where the account was being paid from do not belong to me. XXXX XXXXXXXX investigated and found this to be true. I would like this account removed. 

XXXX XXXX ( XXXX ) This account is not mine. This account is tied to a commercial account which I am not the owner. I have no knowlegde of this address. When looking it up, I find that this is a church and I have no knowledge why my personal infromaiton would be used for their commerical account. I have no knowledge of this account and would like it removed. 

XXXXXXXX XXXX XXXX XXXX XXXX  ) When I called XXXX XXXX XXXX XXXX of XXXX ; they had an issue locating this account with my real true ideneity information. we discussed this account. They investgiated and found this account to be removed and fraud. They agreed to remove this account I would like the call investigated. I have since received a letter telling me they are going to garnish my wages for an account they agreed to remove. I'd like the phone transcrips pulled for this account and its history and its calls.

Company response to consumer: Closed with non-monetary relief
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 — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have attached proof of dates, balances, and inaccurate payment history. The date of first delinquency is inaccurate, and the last active and last payment are also inaccurate. Payment status is not accurate. They reopened my closed account from 2020, then started reporting derogatory payments when this account was settled through XXXX XXXX XXXX. My credit score dropped XXXX points in one day. The account needs to be removed. XXXX XXXX XXXX will not write me a letter for evidence saying that when the account was settled a few years ago, they forgot to update my account to the credit bureau. So, the past few years, it's been hitting my credit score, and I thought that it was settled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-26 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-26 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

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 2025-09-26 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: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: PA

Complaint narrative:
I received an email from XXXX XXXX that said " congrats on getting some lender matches for your {$1000.00} loan request. Now is time for you to compair your options and pick the lender that's right for you '' I got all the way through the process just to have it be denied. Opploans was the company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
company reduced credit line with out a notice., even when I am on time on my payments and having low balance pending.

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 2025-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion 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 XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$320.00} 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, as proof from the XXXX 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 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 2025-09-26 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: KS

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

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 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: NY

Complaint narrative:
I came across a fake advertisement on XXXX for a jewelry store called XXXX XXXX XXXX. The ad falsely claimed that the owners husband had passed away and that the business was closing, so all items were on sale. 

I purchased two items from this website totaling {$71.00}. Afterward, I conducted research and reviewed the comments on the page, which revealed that the business was a scam. 

I attempted to lock my Cash App card to prevent the payment, but the transaction had already gone through. I also tried to cancel the order directly on the website, but there was no option to do so. 

I never received a confirmation email or tracking number for my order. 

I contacted the business via email to request a refund but never received a response. 

I have reached out to Cash App support at least four times to dispute this charge and provided ample proof of the fraudulent activity. Each time, my dispute was denied. When I requested the documents used to make their decision, there was no clear reasoning other than stating my claim did not correspond with the dispute option I selected. 

Additionally, Cash App does not provide a clear option for disputing fraudulent or scam transactions initiated by the customer, which makes it extremely difficult to resolve situations like this.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian 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 XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} 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 XXXX 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 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 2025-09-26 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: MO

Complaint narrative:
Made a purchase at XXXX XXXX after activating a capital one offer on my XXXX credit card for 484 % cash back. Purchase was made on XX/XX/XXXX for XXXX and posted to my credit card on XX/XX/XXXX. Capital one offers is a offer program cap 1 provides for credir card holders, where they can earn extra cashback with certain merchants. I received email confirmation my 484 % cashback was on the way, but when it posted I only received XXXX extra cash back. I called cap1 and spoke to their exclusive product services department, the people who handle these offers. I was placed and hold multiple times and transferred to a supervisor eventually. I was told by then the offer that day was for 3 % extra and that's what they showed. This is incorrect as the offer that day was for 484 % back on a purchase, not 3 %. I received email confirmation from cap1 showing it was 484 % not 3 %. I tried to explain this but the supervisor hung up on me. Cap 1 is attempting to not honor their advertised offers. Attached are screenshot of the posted transaction, the incorrect cashback awarded, as well as the email confirming the correct cashback amount i should have received and an email i received today showing the incorrect cashback credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On XX/XX/25, 2 charges were made from a motel for {$240.00} and {$370.00}. Then on XX/XX/25 a charge for {$270.00} I stayed at this hotel 1 night and it had bed bugs so I left after a day. They continued to charge me although I left. I put in a dispute with my bank immediately. They issued me a credit for those amounts. Now over a month later they have charged those amounts to me again putting my account in the negative. I called and asked why and what additional info I could give them. They did not have an answer. I am a XXXX senior citizen. That amount is almost half of my total monthly XXXX income and they refuse to give it back 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 2025-09-26 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: GA

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 XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$850.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} 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, 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 2025-09-26 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: NV

Complaint narrative:
XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX This account was previously deleted from my TransUnion report after a dispute, as it was deemed inaccurate and unverifiable. Recently, TransUnion reinserted the account, now reporting it as Closed / Charged Off with a balance of approximately {$19000.00}. XXXX also reports the account with conflicting details, while XXXX  has deleted it entirely. 
This reinsertion violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) because : TransUnion did not provide the required written notice within five business days of reinsertion.

TransUnion has not provided the certification of accuracy allegedly received from XXXX XXXX. 
The account remains deleted from XXXX  but reappeared on TransUnion and XXXX, showing the information is inconsistent and unverifiable. 
Additional inaccuracies : Balance vs. Status Conflict : Reported as closed/charged-off yet still showing a {$19000.00} balance. 
Re-Aging : Dates updated into XXXX despite the account originating in XXXX, unlawfully extending its life. 
Payment History Inconsistency : TransUnion shows None Reported while XXXX  lists continuous CO entries. 
Dispute Status Conflict : XXXX  lists Account information disputed by consumer under the FCRA, while TransUnion lists Account not disputed. 
Account Classification Conflict : TransUnion lists Finance, personal / Installment, while XXXX  lists Auto Loan / Auto Financing. XXXX is an auto finance lender, not a personal finance company. 

XXXX BANK ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX TransUnion and XXXX continue to report two late payments ( XXXX XXXX XXXX days, XXXX XXXX XXXX days ), even after three previously reported lates were deleted as inaccurate. 
Inaccuracies include : Selective Deletions : Three lates were removed, but two remain without justification, showing inconsistency. 
Improper Late Payment Sequences : The two lates appear as isolated delinquencies surrounded by OK statuses. A true 30-day late requires a full billing cycle of delinquency.

Conflicting Status Language : TransUnion lists Pays as agreed, while XXXX  reports Current, was past due 30 days two times. These can not both be true. 
Missing Past-Due Amounts : Both bureaus list the {$27.00} scheduled payment but no actual past-due balance, leaving the lates unverifiable. 
Dispute Status Conflict : XXXX  notes previously in dispute resolved reported by subscriber, while TransUnion lists Account not disputed.

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