vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
I am writing to formally dispute certain information that appears on my credit report, which I believe is the result of a data breach and possible identity theft. Under 15 U.S.C. 1681c-2, I am requesting that you investigate and block the information that is related to the data breach. This information may have been fraudulently reported as part of a data breach in which my personal information was compromised. As I have not authorized any of these accounts or transactions, I am requesting that the items in question be blocked and removed from my credit file per the provisions of 15 U.S.C. 1681c-2. I respectfully request that you investigate this matter promptly and block the disputed information from my credit report. I understand that under the FCRA, you are required to complete your investigation and respond to me within 30 days. 

PLEASE REMOVE ALL FRAUDLENT ITEMS FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint because Capital One Auto Finance is reporting inaccurate, contradictory, incomplete, and misleading information on my credit report for my auto loan ending in XXXX. These errors violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting standards. 

XXXX. The reported account status is contradictory and inaccurate My credit report shows : Status : Pays account as agreed BUT XXXX late payments reported : 30 days late February 2023 30 days late August 2023 30 days late October 2023 30 days late XX/XX/year> A loan with multiple late payments can not legally be coded as Pays account as agreed. 
This is misleading and violates : FCRA 607 ( b ) maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) can not furnish inaccurate or misleading information XXXX XXXX guidelines status must reflect payment history This incorrect status harms my XXXX XXXX and misrepresents my payment behavior. 

2. The late payment pattern is inconsistent and indicates servicing errors The payment history shows random isolated 30-day lates with no escalation pattern. 

Auto loans must follow a chronological sequence if delinquent : 30 60 90 120 charge-off/repossession Capital One reported XXXX unrelated XXXX lates with : No XXXX late No XXXX late No continuity This is not how auto loan delinquency works and indicates : Possible payment posting delays Internal processing errors Misapplied payments Billing cycle inconsistencies This makes the furnished data unreliable and unverifiable under FCRA 623.

3. Capital One may have violated Regulation Z ( Truth in Lending Act ) If a payment was : received by the due date but posted late, returned incorrectly, processed after cutoff without notice, credited to the wrong billing cycle, then the late payment reporting is illegal.

Because Capital One did not notify me of any billing disputes or errors, these lates appear to result from servicer error not true delinquency.

4. Balance reporting is inaccurate Capital One reports : 13 % paid off BUT The actual percentage ( based on the balance and original amount ) does not match their reporting. 

Even small inaccuracies violate : FCRA 607 ( b ) must be maximum possible accuracy Inaccurate calculation affects credit scoring models.

5. Consumer harm Because of these inaccuracies, I have suffered : Lower credit scores Difficulty obtaining auto refinancing Denial of credit offers Increased interest rates Long-term credit damage Capital Ones incorrect reporting directly harms my financial stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: KS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-12-26 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: KS

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XXXX XXXX XXXXXXXX my daughter sent me {$240.00} dollars by way of cashapp.I never received this money though my account said that the transaction was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-26 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. A XXXX XXXX  account ending in XXXX is reporting on my consumer credit file even though I did not open, authorize, or benefit from this account. I have no knowledge of this account and did not apply for it or sign any agreement. 

I submitted an Identity Theft Report through XXXX online dispute center and requested that Equifax block and remove the fraudulent tradeline and all related information. This is an identity theft matter requiring a block under the Fair Credit Reporting Act, 15 U.S.C. 1681c-2 ( FCRA Section 605B ), not a routine billing dispute. The reporting of this account is inaccurate and is the result of fraud. 

Equifax must promptly block the reporting of information that resulted from identity theft after receiving a valid identity theft report and appropriate identification. If Equifax believes any statutory exception applies, I request a written explanation identifying the basis and the specific information relied upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Care Credit posing as XXXX XXXX had threatened me with legal action for an excessive amount that is not owed. The legal mitigation team will not give me the account info and asks that I provide it to them. I have documentation showing where I have paid two separate care credit or synchrony bank accounts with them via settlements but they continue to threaten legal action for an amount that was not originally even borrowed by myself. The legal mitigation departments claim its for XXXX XXXX that I had. I had XXXX XXXX years ago and it had been paid off ever since.

Todays call advised the original amount owed was over {$8000.00} + legal fees of {$3500.00} bringing my total owed to well over {$12000.00}.

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 2025-12-26 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
My husband gave me an American Express gift card for XXXX last year. I scannes it into my XXXX wallet. XXXX wallet added it. It only shows a barcode in XXXX wallet. I can't use it in stores, online, or with tap to pay. 

I've searched for a way to resolve the problem on line and nothing has worked. I contacted Americam Express and they said it would work in stores if the clerk scanned it, but it has never worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE AND DO NOT REFLECT MY ACTUAL PAYMENT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I submit this complaint to report systemic violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX Against Women Act ( XXXX ) involving the following data brokers and consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I am a participant in a XXXX / XXXX at XXXX program, which legally requires the confidentiality of my residential address and identifying information. Despite this protection, the above entities have retained, used, and disseminated unauthorized addresses and identifying data, which were relied upon in credit-related reporting and inquiries within the past 18 months. 

Authorized Identifying Information EXACT AND EXCLUSIVE Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX Date of Birth : XXXX No other spelling, formatting, date, or variation is authorized to appear. 

Information That Must Be REMOVED AND NOT REINSERTED All prior and alternate residential addresses Any address not designated as my Safe at Home address Any derivative or linked data generated from those addresses Any credit inquiries initiated using unauthorized address data Any name or DOB variations not listed above Legal Authority 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy 15 U.S.C. 1681i ( a ) Obligation to delete inaccurate or unverifiable information 15 U.S.C. 1681b ( f ) No permissible purpose for access using unauthorized data 34 U.S.C. 12291 ( b ) ( 2 ) ( B ) Prohibition on disclosure of survivor location information Requested CFPB Action Require each named entity to permanently delete and suppress all unauthorized data Require written confirmation of non-redisclosure to any third party Enforce compliance with XXXX confidentiality protections Monitor corrective action to prevent reinsertion or re-reporting This complaint is submitted to protect my safety, privacy, and federally protected rights. 



Respectfully, 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 2025-12-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a XXXX XXXX Bank of America credit card in XXXX ( ending in XXXX ), for my trip that I was booking for XXXX XXXX. At the time, Bank of America was offering a XXXX bonus offer, and a {$100.00} statement credit if you spent {$1000.00} on your new card. I was approved for the card instantly, and they offered an immediate " temporary '' card number for me to be able to book my trip same day, which I took advantage of, and spent well over the {$1000.00} requirement. Bank of America then apparently never had a mechanism to alert their system that the spend occurred, if it was done on the temporary card, despite them approving it immediately. I believed I had been awarded the XXXX points, but when I logged in to book my new trip, I discovered they had never posted, and going back to my statement from XXXX, Bank of America never applied the {$100.00} credit. This is essentially fraudulent marketing. They contractually promised an award for completing spend. I spent the funds, the charges were applied to my XXXX account with a XXXX XXXX XXXX  interest rate, yet Bank of America never fulfilled the promotion end of the deal. If they are doing this with all temporary card numbers given, this is systemic fraud, and needs to be looked into immediately by the CFPB

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor ( XXXX has violated my rights. Under 15USC1681 Section 602 states I have the right to privacy. 15USC1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions. Under 15USC1666 B, a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

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 2025-12-26 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: PA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief